23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to 3 credit agency credit report. XXXX, Equifax and XXXX. The Co. promise of correction nothing came. 
I lost 90 point for false report from XXXX XXXX XXXX

I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the CoXXXX XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Product: Debt collection

I owe the VA money for my medications. The amount is incorrect. They usually take it out of my tax check. This is the first time this has happened. I'd like to know why I wasn't given a chance to pay this before it went to collections..? It has been a bad couple of months so I can't pay this amount right now. I guess it will just have to come out of my income tax return.I 'm behind on all my bills..I 'd like some time to pay this off if possible..ty
Product: Debt collection

Debt collectors started calling me XXXX weeks ago from world wide, the man named XXXX would call and act like hes a friend when my mom would answer never would tell her who hes witg or why hes calling. So I called back and he said that I owe this and that if I do not pay I will be sued. I told him I need it in writing of my debt so I know exactly. He said no we sent u something months back and now since u never responded we cant. I asked him what address and he told me and I said I havent lived there in XXXX years. He said to bad. I said well I need it in writing. He said no. Then I said I cant pay the whole thing. He said well we will garnish your wages. After that I called backto speak to a manager and her name was XXXX, she said that thats the reasons business go under. She said she would look into it. Well XXXX days later here calls XXXX again saying u didnt get anywhere with her and I did nothing wrong. Are u kidding me! So I called to speak to a manager he answers and he would n't let me speak to anyone but him. So I called the head manager, l and left a voice mail. Today Iget a call from him so he begins to tell me that is state law they can take mywages and planto do so. He said that he called my work and found out where I work and when he said the company name I told him sir ive never even stepped foot in there. He said I spoke to the manager and u work XXXX nights a week there. I told him that is completely untrue. He said your lying state of California show your working there. Then when I continued to tell him I dont work there he said well just sue u then and hung up. I could n't believe it. When I got off work I called the place he said I worked at and asked if someone there said I worked there. And the lady said the manager has been out of town for a week and they are not aloud to tell people u work there unless its in writing. Can someone tell me if this abuse is legal or not?????
Product: Debt collection

Collection Service of Athens reported collections on my credit report. This debt was paid to the medical provider and should not have been sent to collections. I never received notice that the medical bill was going to be sent to a collections agency. 

I am requesting this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late purpose.

7280
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of my credit report dispute by the credit bureaus. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. These are fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Mortgage

I started the loan application with Rocket Mortgage, while doing this the loan consultant made me aware that everything looked good which led to us proceeding with everything getting all necessary follow on taskings like, house appraisal, termite inspection, ac inspection, fireplace inspection and so on. Getting close to closing on the loan I get a call from the loan coordinator advising me that he couldnt make the loan work because the numbers were off, to find out that the paperwork was done incorrectly by the loan agent. The communication was good all the way through until the agent realized he couldnt help me, leading to no communication via phone and email creating doubt for me as the homeowner in regards to this whole process. I am a 100 % XXXX veteran and would like to make sure this doesnt happen to someone else in a tighter situation than mine taking on a {$1600.00} dollar expense that is now a loss for me because the mortgage company cant do anything for me other than a call from the director of finances to tell me he is sorry.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> under report # XXXX EXPERIAN reported in the websites portal multiple accounts had been deleted. Several weeks later, on XX/XX/year> multiple accounts were reinserted back to my credit profile. 

This is in violation of the FCRA 15 U.S.C. 1681i 611 ( A ) ( 5 ) ( b ), 5 ( C ) ( D ).

" Requirements Relating to Reinsertion of Previously Deleted Material ''.

As it states in : ( B ) ( ii ) " Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' ( C ) " Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). '' ( D ) " Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. '' EXPERIAN did not provide documentation in writing within 5 business days as to why these accounts were inserted. Additionally, the accounts being reinserted to my profile has been damaging as a consumer seeking credit. I am requesting the accounts that were reinserted be removed IMMEDIATELY or I will file a Federal Trade Commission ( FTC ) complaint and seek litigation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ) Specifically, Cash App failed to take timely and effective measures to prevent 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 Electronic Fund Transfer Act ( XXXX ) and Regulations XXXX These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts reporting late payments when they should not on all three major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

We use billpayer on our joint checking account with Santander Bank. Usually, our credit card payments to XXXX XXXX XXXX XXXX XXXX are sent electronically. For the month of XXXX, 2023, ( and we have recently learned this also happened in XXXX ) the check was sent via paper. The check was dated XX/XX/XXXX and Santander Bank cashed and withdrew the funds from our account on XX/XX/XXXX. The check was for over {$2000.00} and could have caused an overdraft. Since that date, we have had numerous conversations with the bank branch, the bill pay back office, the bill pay technical support, the payee, and a third party support for Santander bill pay. In our visit to the branch, located at XXXX XXXX in XXXX, NJ, we spoke with the manager, XXXX, who was both dismissive and disinterested. In our numerous phone calls to both the payers and payees, each said the complete opposite. Santander stating the payee would not accept electronic and wanted paper, and the payee stating they always accept electronic. Finally, yesterday we contacted the third party support area. They set up a conference call with Santander Bank which lasted 1 1/4 hours. We ended up in a conversation with XXXX, the supervisor of the technical unit. She admitted Santander decided to send paper but could not explain why. We can not afford to have checks cashed before the intended date. We note that the bill system wording now says a check can be cashed either before, on, or after the intended date. We need a better answer!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, at approximately XXXX, an identity theft criminal used my personal information to open an online account with Bank XXXX XXXX. I immediately reported it to the XXXX XXXX XXXXXXXX XXXX department, had the account closed, and filed a report with the XXXX Police Department. 

Subsequently, I placed XXXX initial fraud alerts with all three credit bureaus. The alerts expired as of XX/XX/XXXX. In the meantime, I worked on getting an extended fraud alert placed on my credit file. 

Both XXXX and XXXX promptly processed my request. Equifax has been the most difficult to deal with and has provided the least amount of consumer support. 

After sending in my initial request, Equifax requested that I submit a valid police report. Perplexed, I contacted their customer support and was informed that the police incident report ( Exhibit A ) did not qualify. I was advised to file an identity theft report with the Federal Trade Commission ( Exhibit B ) and submit that instead. 

I submitted the identity theft report as requested ( my SECOND attempt ) and received correspondence from Equifax on XX/XX/XXXX ( Exhibit C ). I had a couple of issues with their response. First, it indicated that I was trying to place an initial fraud alert on my credit file. This is entirely false because my request was for a XXXX extended fraud alert. Second, without further explanation, it asked for the same documentation I had submitted with my second attempt. 

I called the customer service line again and they could not tell me anything except that what I submitted was invalid and to do it again. I asked, What was invalid? They responded, No idea. We have no way to get that information or contact the back office who handles the requests to clarify. I asked to open a formal complaint with the management office. As of today, XX/XX/XXXX, no one has since reached out. 

I submitted everything again ( now my THIRD attempt ) with a letter explaining everything that happened ( Exhibit D ). I prepared all the documents exactly as outlined in the correspondence ( Exhibit C ). 

On XX/XX/XXXX, I received the same correspondence from Equifax stating I was trying to place an initial fraud alert and asked for the same supporting documentation again. I compared the two letters from XX/XX/XXXX and XX/XX/XXXX. There was no difference between the two ( Exhibit C & E ). Statistically speaking, it is highly unlikely I still did not get it right after three attempts.

I am an active-duty military service member serving in XXXX XXXX . Moving multiple times within the last XXXX XXXX  has made me a prime target for identity theft. For a company entrusted to protect consumers welfare, I am appalled by the lack of support, horrible customer service, and broken processes between customer-facing agents and their corporate offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXXXXXX 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have requested help from the Reporting Agency on multiple occasions but to no avail an as a result I continue to be harmed by what's being reported!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # 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  Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ; XXXX ; merge with PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ; XXXX since the merge PHH MortgagesXXXX XXXX XXXX and XXXX XXXX with PHH Mortgage Services located at XXXX XXXX XXXX  XXXX New Jersey XXXX for their number is XXXX ; questions regarding merger : XXXX. PHH Mortgage has overcharged me an additional {$17.00} listed as other taxes without explanation increasing my payment unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

To Whom It May Concern : Upon review of my credit report, I discovered there is more than one account with your company with various account numbers and account balances. My records show that I have only one account with your company and that account number is XXXXXXXX XXXXAccount number XXXX XXXX XXXX Account number XXXX In accordance with the fair credit Reporting Act XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 
The above are duplicate accounts and should be showing only one account. 
Late reporting from XXXX XXXX  15 U.SC 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX must comply with federal guidelines and delete all late and duplicate accounts.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I reiew my credit report and noticed an inaccurate account reporting on my credit report : XXXX XXXX XXXX - acct XXXX I sent in a FTC report to Experian and requested this item to be removed off my credit report due this account not belonging to me. Experian stated the account came back verified as my account. I wrote Experian XXXX times requesting the information provided during their investigation. I was never provided that information. It has been well over 30 days and the information has not been removed from my report. I have also not received any documentation received from their investigation.
Product: Credit card or prepaid card

My information got stolen and used i found things in credit report that i did not authorized or used my self i have tried to contact the company 's and the credit company 's and no one will help me i called the policy I never gave any one permit ion to use my credit or to put negative things in my credit report In accordance with the credit fair reporting act states that everything has to be accurate 100 % based on their investigation. they they stated that this was validated yet i get ignored when i ask for the proof this is a violation of my rights 15USE 602 1681 section 604states that consumer reporting agency can not furnish my account with out my written permit ion so i did not give written permit ion to those accounts to report fraudulent accounts to my credit report PLEASE remove those negative reports to my account please delete 800LoanMart, XXXXXXXX XXXX XXXXXXXX and ll those address that i have never lived at i been in the same address since XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Pleaase3 delete these accounts due to this is a violation