23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting addresses, names and debts that either do not belong to me or are being inaccurately reported. I have tried to dispute many items listed on my report and they still remain! This has affected my score greatly and caused my interest rate on my vehicle to be terribly high, making the financial debt I owe almost 3 times what the vehicle is worth. I strongly believe that my ss # has been compromised as I am constantly being offered loans insurance and other scams or fraudulent offers through text or email. My bank has also contacted me several times over the past year for attempted withdrawals from foreign countries or city that I dont reside!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX Credit Bureaus are violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, the list of accounts below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX Account # : XXXX XXXX Account # : XXXX The above-mentioned accounts have all violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Had an insurance claim check sent due to hail damage, paid {$8000.00} out of pocket to get repairs done before snow. Confirmed with multiple reps we have all required paperwork, sent endorsed check, insurance estimate and proof of completion by contractor. Had the paperwork tracked, they received paperwork on XX/XX/18. Waited 10-15 days for processing for check to come in the mail. Finally grew impatient and called only to find out they left messages for insurance company to call them back to confirm damage. We contacted insurance company and they verified no contact with them had been attempted. Called XXXX XXXX  back to prove direct phone number of our adjuster to be told they will try again, call back in 3 days to allow more time to call again. Called again following week that they are missing paperwork and have not called insurance company. Approximately 7 calls later finally speak to someone who stated they only need me to verify type of damage and now we need supply list of additional work needing to be done. We get a supply list, email it to them on XX/XX/XXXX, call on XX/XX/XXXX to be told wait 2 more days to process. Called on XX/XX/XXXX to find out they didn't receive the email even verifying address was correct. Forwarded email directly to loss claim rep and still no response. This has been 45 days now with continued " processing '' with no resolution in sight. 
XX/XX/XXXX paperwork received, XX/XX/XXXX paperwork processed, XX/XX/XXXX letter sent more paperwork needed, XX/XX/XXXX postdate of letter, XX/XX/XXXX letter received. XX/XX/XXXX additional paperwork sent, XX/XX/XXXX nothing accomplished.
Product: Credit reporting or other personal consumer reports

This is not mine XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was looking at my credit report via the CHASE app and it indicates 11 delinquencies. 

I would like a break down of the 11 delinquencies as all my credit card payments are automatically paid via my bank account which is why I am unclear. 

Thank you, XXXX XXXX
Product: Debt collection

i am submitting this complaint against Experian for failing to comply with the FCRA specifically 15 usc 1681c-2 which mandates the blocking of information resulting from identity theft within 15 days upon receiving the proper documentation as requested. i am a victim of identity theft and despite submitting the necessary evidence Experian and has failed to block the information within the required timeframe.
Product: Debt collection

* XX/XX/XXXX. A levy was placed on my bank account. Account wiped clean * called debt collector provided by bank personnel, told debt collector this was not my debt and I mistakenly gave the debt collector my information to them ( it was the only way for them to talk to me ).

* since then I have been receiving phones calls, court papers trying to collect a debt that is not mine.

* debt collector has been called to try and dispute but they refuse to talk, unless they are receiving a payment. * XX/XX/XXXX another levy had been placed on my new bank account and the phone calls keep coming.
Product: Debt collection

CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ).

As the consumer, the natural person, natural creditor, administrator, and executor, I legally refuse to pay this alleged debt pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor.

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts.

3. Pursuant to 15 USC 1692C ( c ) ( 3 ), I demand you delete my account from all credit reporting aagencies. 

SEND ME A COPY OF MY CONSUMER REPORT UPON COMPLETION. 

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.
Product: Credit reporting or other personal consumer reports

My account with FRD MOTOR CR was never late! I have had exceptional payment history with FRD MOTOR CR and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FRD MOTOR CR Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of fraudulent account in my Experian credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Experian report. After uncovering this fraudulent account, I contacted the relevant bank, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. 

I am puzzled as to why Experian continues to report this fraudulent account, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into this matter and the immediate removal of this fraudulent accounts from my Experian credit report. The bank has confirmed the fraudulent nature of this account, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 Someone in XXXX, Florida opened an XXXX XXXX store credit card account in my name using my Social security number and cell phone number. I received a bill in the mail from the credit card company. I contacted Comenity Bank who is the creditor for this store credit card and the XXXX XXXX store where the card was applied for to report fraud on this account.
Product: Student loan

I switched to Mohela from XXXX, Mohela will not count my time with XXXX and therefore I was denied a PSLF request. So- instead of XXXX payments through XXXX, Mohela considers 2 qualifying payments because that is how long my consolidated loan has been with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( XXXX XXXX ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company XXXX XXXX to file a fraud/complaint. I tried calling XXXX XXXX and of course it is an automated voicemail with instructions on how to report fraud. I emailed the XXXX XXXX at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with Transunion when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXXyears old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also XXXX  with an XXXX  XXXX and XXXX XXXX I read at a XXXX XXXX XXXX often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX
Product: Mortgage

I have received multiple letters from Dovenmuehle Mortgage demanding additional monthly payments of {$470.00} above my regular mortgage payment. The latest letter dated XXXX XXXX 2016 is hostile in tone with " COLLECT A DEBT '' and " BANKRUPTCY " repeated in the first paragraph. 

The extra payment apparently is related to a mistaken belief that we have no flood insurance, despite the fact that we have provided a copy of our flood insurance declaration showing effective coverage paid through XX/XX/2016 and called Dovenmuehle on XX/XX/2016 and XX/XX/2016 ( spoke to XXXX ). 

Dovemueller has acknowledged by letter and during telephone calls that we have flood insurance in effect but they continue to demand extra escrow payment. Can you assist in stopping this harassment?
Product: Credit reporting or other personal consumer reports

There are all fraudulent inquires on my 3 bureaus Transunion, XXXX XXXX XXXX XXXX  reports that I did not authorize as shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to Inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Im a cash app customer in XXXX Mississippi. On XX/XX/19 a customer paid me by cash app in the amount of {$340.00}. Around XXXX my wife and I had dinner at a local restaurant and spent {$36.00}. This was my only purchase that day. The next morning I awoke to 5 complete different charges from 2 different merchants in a state far from my home that Ive never even visited. My card had not been stolen either as I still have it on me. All 5 transactions were made from gas stations in XXXX Tennessee. Four of the charges where from XXXX XXXX  XXXX  XXXX. This merchant ran 3 transactions of {$50.00} and 1 transaction of {$49.00} for a total amount of {$190.00}. It says gas above the name XXXX XXXX  on the cash app statement but no other information provided. The 5th transaction was from another gas station XXXX also in XXXX Tennessee for the amount of {$50.00}. This the only information I could see or come up with as I started to frantically search for the exact locations and phone numbers but was unsuccessful. I went through the steps of openin tickets of unauthorized transactions on each on and I searched for a customer service phone number for cash app and learned there isnt one. You have to email them and wait on a response. I have got only 2 response with the 1st response 5 hours later was one asking for a list of the names of merchants, the dates and time the transactions occurred and the exact amount of each one. And a reason why I was disputing the charges which was of course fraud/no knowledge. The second response after I emailed the info they told me to provide wasnt as hopeful as they informed me that I needed to contact the merchants and ask them for a refund myself and after they agree the refund initiation could take up to 10 days. Problem is that there is several XXXX  gas stations and several XXXX XXXX XXXX stations located in XXXX Tn and there is NO information provided to me on this app of any physical address or phone number which would help me locate these merchants. XXXX XXXX provides the service with Square cash aka cash app so why would they not be able to provide this information for me or track down where my money went and how someone was able to do such without my card or pin. I in trusted my money with cash app and never had a problem before until now. Please help me as I do not know what to do other than take a {$300.00} loss of my money.
Product: Credit card or prepaid card

Re. An Apple Credit Card via Goldman Sachs On XX/XX/21 I ordered a XXXX for {$3200.00} and a power adaptor for {$19.00} plus tax The website offered installment payments if I applied for an Apple Card, so I did. 
My receipt shows that my monthly installment would be {$290.00}. The Charges to my Apple Card Today portion of the receipt was {$300.00}. 

As I had a {$5500.00} credit line and opted *not* to purchase the laptop outright, I assumed I would have over {$5000.00} in credit available. 

I got a shipping notice today that said the computer would not be shipped until the end of XXXX or early XXXX. This was too long a wait as it is a business computer. So I canceled the order today, XX/XX/XXXX. 

When I looked at my statement today, it showed {$300.00}. However the available credit was {$1600.00}. A only the {$20.00} purchase was shown on my statement, however, not the explanation of what the other charges were. Now that Ive looked at the other numbers, it was clearly the first installment on a computer that had not yet shipped. 

***the actual problem *** The credit available was {$1600.00}. I had only spent {$20.00} on a physical product. They had withheld from available credit the entire price of the computer PLUS the first installment. So they are withholding XXXXmore* than I should have been charged on a computer that had not yet shipped, and thus had been canceled. My available credit should have been {$5100.00}. 

The reason I, or anyone else, chooses the installment plan is to have that credit available. I do not understand how a credit card company can withhold the entire purchase price plus additional funds. 

As a result, I do not have the credit I counted on to be able to purchase the computer I need for my new business. In addition, this could reflect poorly in terms of my credit score, as my debt to credit ratio is 30 % instead of 0.30 %. 

I appreciate any help or insight you can offer.
Product: Vehicle loan or lease

I got a XXXX XXXX XXXX in the year of XXXX. After getting the vehicle it started having engine issues. The engine went out 6 times and attempted to have repairs. They declared it a XXXX however I was going back and forth with the dealer and the auto loan lender. They were saying each other was responsible for the buying the loan back and the issue was never fixed. My mother whom we purchased the car for passed away and there was no reason to keep paying the loan on a car that she has never been able XXXX XXXX and that kept having issues where the motor had to be replaced twice. I never received a new car nor was the car bought back as promised by XXXX XXXX. Anytime we got close to a resolution the account was transferred to a new manager. Eventually we gave the car back as it was submitted as a voluntary surrender. I was given a pay off by XXXX XXXX where I paid for 5 months at $ 300 monthly. I am now being told that that was not the balance that I agreed upon with previous months. Now the account was illegally sold to XXXX XXXX who have failed to provide my any documentation of proof of balance. My insurance company and XXXXl XXXX paid for a rental for a XXXX of 5 months during one repair because they could not repair it or find a motor at the time of XX/XX/XXXX where they admitted fault and asked me to go back to dealer and they would accept a buy back and would finance a new vehicle.
Product: Credit reporting

There is and address in XXXX Arizona in my credit report and I never lived in arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! Equifax has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now EQUIFAX has added XXXX XXXX XXXX Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from Equifax? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!! 
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS EQUIFAX BUT ENABLING THESE BLOOD SUCKERS!!!! I want THESE LIES REMOVED FROM MY CREDIT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Checking or savings account

Friday XXXX ( XX/XX/08 ) I instantly deposited or transferred {$830.00} from my XXXX account to my Chime account. Everything went smooth. A couple of hours later my account was put on hold/suspended for suspicious activity. I received an email requesting identification and documents proving where the funds came from. I replied directly to the email and I submitted requested information immediately. I have NOT received a response. Ive spoken to several representatives that escalated my case to their back office each time. I still received no response. One of the representatives informed me that all escalations were done wrong and that she will do a correct one. Waited hours, still heard nothing. Finally I spoke with a supervisor informing them I am ready to file a complaint with XXXX  and CFPB if something is not done. The supervisor stated he has submitted an appeal. I received a ticket number XXXX. I was told I would receive an email, and something should be done regarding this. I have still heard nothing. I have still received no real help from anyone. They are unlawfully holding my funds and my account needs to be released immediately! I am entitled to the money I earned by working in the XXXX XXXX! There is no scam here. Chime is being ridiculous and their customer service is not professional at all. I need my funds immediately.