23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2007 we file bankruptcy. we reaffirmed on our home loan threw XXXX are attorney had are APR Modified under reaffirmation to 7 % that XXXX said was a fixed rate. If we paid on time every month it would drop 1/4 % to a cap of 5.5 %. Are loan was at the 5.5 %. our payments were {$560.00} a month as of XX/XX/XXXX. At the end of XX/XX/XXXX XXXX sold our loan to a company called Rushmore we received a bill end of XX/XX/XXXX that said if we paid before a certain date to pay beneficial then every payment there after was to be made to Rushmore. It was stated that everything would stay the same. we paid XX/XX/XXXX and never received a bill for XX/XX/XXXX. I called Rushmore and they stated that they did not have to send us a bill because we are still in bankruptcy. They told me our payment was now going to be {$950.00} a month and our APR is at 9.48 % They stated to me that they can do what they want with our loan because they now own it. I contacted XXXX at XXXX I was told that nothing should have changed. Rushmore will not provide us with any documentation of why they think they can go against our bankruptcy agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit alert on my credit and a bill for {$8900.00} from Alpha Recovery Corp popped on my credit. I called and I spoke XXXX XXXX and her supervisor XXXX XXXX and confirmed that they had the wrong person, by way of social security number and date of birth. The last four of the social are similar but the full social is not mine. I put a dispute through XXXX and with Alpha Recovery Corp and they are fighting me on it. Please help me to clear my name with this company thank you. When I spoke to them they mailed me a copy of the rental application ... The information attached doesnt belong to me. I have attached the application.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have disputed the attached account due to inaccuracies and the account not being able to be verified. Please have the attached accounts removed since they are inaccurate and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
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 Consumer 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 


XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The company came to my house and repossessed my car. Then they sent me a letter stating in order for me to get my car back that i had to pay the remaining balance or they were selling my car. In the letter it also states that if in fact they sell my car that they will send the remaining balance.Telling me that you will sell my car if I do not pay is extortion.If they owned the property they wouldn't have to pay me anything. On the back of the contract it states security interest. Security interest means what I gave them secured all my obligations to the debt meaning I own the vehicle. If my social security secured all of my obligations then the debt was an allegation and when you went and repossessed my car you committed theft. They advertised the sale of my car to pay off the alleged debt which is a violation pursuant to 15 usc 1692d ( 4 ). My neighbors were outside and seen the people you contract take my car and that affected my reputation which is a violation to 15 usc 1692d ( 1 ). Then furnished this to my report without my permission, which is a violation to 15 usc 1681b ( 2 ). Additionally, they marked my payments as late which is a violation pursuant to 15 usc 1666b.
Product: Credit card

MY DAUGHTER WAS RACIALLY/GENDER PROFILED TODAY IN A BEST BUY STORE IN XXXX, OHIO My XXXX was added as authorized a couple of months ago on my Best Buy Card. She went into the Best Buy store in XXXX XXXX Ohio today to make purchase for a XXXX '' XXXX XXXX XXXX  that we had been discussing. When she got inside the store spoke not only XXXX not XXXX but XXXX people whom could not did not want to help her due to her XXXX XXXX XXXX, They continue to pass her off while I was on the phone they continued to conflicting information which all was untrue, then when I requested to speak with all of them they would not take the call. Then she ask to speak with the supervisor who totally ignore her I tried calling the store and got the run around. Then my daughter was told to just order online and pick it up when I have a paid in XXXX XXXX XXXX membership which her delivery and install is included now that you have degraded my daughter and treated her like trash i seriously considering cancelling my card for this reason and the next. I made a XXXX payment on the XX/XX/2023 XXXX via bank and XXXX via debit card. When she tried to do order on line it declined I tried it it declined why hold up payments and credits XXXX day later. This unethicle to hold payment to gain interest on my money and not allow my card to be freed up. So not only was my daughter treated like trash from the low grade employees with bad attitude unwilling to help and my daughter and myself was treated like trash by the store manager who looked like he did not want to be there. I called customer service 8 times no help I ask for citi bank they transferred me to banking. Now not only were we treated like trash in the store due to race and gender but now the overseas help was talking smart as well I called from XXXX phone XXXX and XXXX My daughter was also told that she needed clearance to use the acct without the card someone from customer service drop the ball XXXX months ago there set to virtual and they never mailed her a card. Also they argued with my daughter that she was not an authorized use I took a screen shot and sent to her so they could see and they said she was when she clearly is.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 My personal information was exposed in a data breach ( NPD ). 

15 USC 1681 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit card or prepaid card

( Related to XXXX # XXXX on XX/XX/XXXXwhere COMPLAINTANT applied for Wal-Mart credit card via CapitalOne on XXXX. It made one XXXX  inquiry, then its fraud detection team raised an application fraud alert to require a photo ID. COMPLAINTANT uploaded the Driver 's License to get through that. However, even after verifying the application - XXXX  inquiry and photo ID - CapitalOne had to delegate the process to another department, which led to a follow-up call. COMPLAINTANT understands that it varies from lenders to lenders on how fast decisions are reached after an application is completed, but it is very strange that its employees indicate that another department will get back to the COMPLAINTANT in a few hours when the other department indicates that the process actually takes 7-10 days to process a completed application. ) COMPLAINTANT was on a call with CapitalOne on XXXX at XXXX XXXX  for 49 minutes with XXXX until COMPLAINTANT has disconnected the call. The call was regarding re- enabling XXXX XXXX  - Wallet feature that was last successfully used on XXXX. COMPLAINTANT indicated that, which CapitalOne employee confirmed, the card on file with XXXX XXXX was removed until added back on XXXX. However, the card has repeatedly failed to be added on XXXX  system. CapitalOne asserted that nothing is blocking the card from being added to XXXX and directed fault at XXXX for preferring one credit card over the other by blocking CapitalOnes entry into XXXX  system. ( COMPLAINTANT has other cards on file for XXXX XXXX  ). Interestingly, at XXXX XXXX, CapitalOne has reached out to notify the COMPLAINTANT that the account has been restricted for possible account take-over. It stated ( 1 ) Email change and ( 2 ) Address change attempt as reasons for this restriction. COMPLAINTANT is puzzled as to how CapitalOne then used those excuses to ask for ( a ) Social-Security-Card, ( b ) Bank Statement or Utility Billl with address and ( c ) Photo ID. Because on XXXX at XXXX XXXX, COMPLAINTANT has spoken with CapitalOne employee to correct the name of the city in the billing address but address remains unchanged. CapitalOne onXX/XX/XXXX at XXXX XXXX indicated that there was a concurrent investigation that previous representative XXXX wasnt aware of, that the restriction wasnt a bitter annoyance caused against the COMPLAINTANT for suddenly disconnecting the call. Also during the call at XXXX XXXX on XXXX, XXXX has noticed no issue on COMPLAINTANTs account as well as verifying the mail address on file. In conclusion, there was no basis, sudden surprise or newly discovered knowledge for CapitalOne to restrict the COMPLAINTANTs account, but it was only using those as an excuse to push the COMPLAINTANT to give out more information regarding him. 
On XXXX, ( a ) Photo ID, ( b ) Signed Social Security card, and ( c ) Banking statement were uploaded and verified by CapitalOnes representatives. OnXX/XX/XXXX0 XXXX XXXX, CapitalOne verified bank statement and receipt all requested documents. Then on XXXX, its employees dragged around the process further with false/inconsistent reasons to keep the account frozen/restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian Credit Services ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) numerous times pertaining to personal information being incorrect and reported within my credit profile with this company. Its numerous wrong NAMES as well there are inaccurate ADDRESSES by them that I was told they wont remove because theyre connected to an account which I already made them aware those accounts arent mines. Therefore I am taking further steps in submitting my complaint with the ( CFPB ) to make them aware of this particular issue.
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX IS IN VIOLATION UNDER 15 USC 6802
Product: Credit reporting or other personal consumer reports

I sent several disputes I do not know this collection agency as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with the following agencies XXXX XXXX XXXX, Credit Collections, XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX
Product: Mortgage

On XX/XX/2023 We contacted Lakeview Loan Servicing. We requested a payoff for our house. We contacted them again on XX/XX/2023 requesting payoff. We contacted them a third time on XX/XX/2023. No one has any information for us regarding payoff. Legally how long do they have to provide payoff amount and instructions for payment? At this point I feel like they are not giving us a straight answer. 

Please provide guidance. 

Thank you, XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, us bank and XXXX XXXX XXXX  as of XXXX XXXX reports charge offs and don't have my mailing address correct as of 5 months ago.I want these charge offs disputed. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

So starting XX/XX/2020 I sent out letters to the bureaus stating that I believe that some of the information on my credit report was fraudulent and didn't appear to be correct. Waited 30 days no response so I sent it out again, XX/XX/2020 Still to this day I have yet to receive and mail regarding my investigation. XX/XX/2020 I sent a letter just asking them to investigate the negative accounts and didn't get anything. 
To this day I have yet to receive anything from the bureaus in regards to any of the mail that I've sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Transunion is in violation of 15 - USC - 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordnce with the written instruction of the consumer. 
I the consumer never gave Transunion any written consent to report anything on my consumer report. I demand that you remove these inaccuracies off my consumer report. 
They are hurting my consumer report. Keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Transunion to furnish a report for me. 
Pursuit to 15 - USC - 1681 ( A ) 1 states that the banking system dependent upon fair and accurate consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a retired XXXX veteran that was scammed of his good credit. I noticed a Bankruptcy that was filed on my behalf with all kinds of documentations signed with a fraudulent signature similar to mine. At the time that that the bankruptcy was filed, I was in the XXXX, not available. I have NEVER MET WITH A LAWYER ABOUT BANKRUPTCY, I have NEVER DONE CREDIT COUNSELING CLASSES, yet they have mentioned that I took credit counseling classes. They had all kinds of credit documentations SIGNED WITH MY NAME. NOT MY SIGNATURE. I HAVE WILL TAKE A POLYGRAPH OR ANY TYPE OF SIGNATURE EVIDENCE to prove that it is not my signature. I tried to file a petition to dispute this bankruptcy through the bankruptcy court in XXXX Maryland. he bankruptcy was dismissed. I thought that was the end of it. I attempted to dispute with all the credit bureau. XXXX AND XXXX  REMOVED IT, BUT EQUIFAX REFUSED TO REMOVED IT because they said the creditor said it is a legit bankruptcy. I am suspecting a mortgage company by the name of XXXX XXXX XXXX  or XXXX XXXX  ( these were the 2 banks that took ownership of the mortgage one after the other ) with whom we were in battle for a foreclosed property located at XXXX XXXX XXXX , XXXX MD XXXX. 
I DON'T KNOW WHAT SCAM OR FRAUD THEY DID TO PIN A BANKRUPTCY ON ME TO REPOSSESS MY PREVIOUS HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

four unauthorized inquiries reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX  XXXX Acct # : XXXX ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish theses accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have XXXX to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The finished my payments with XXXX XXXX XXXX in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have pulled a copy of my credit report and found that there are fraudulent accounts and addresses that I have never lived at. I have asked the credit reporting agency to remove the addresses that I have never lived at and they refused to do so stating that the fraud accounts are at that address. But if the accounts are fraud and not tied to my correct address, they should remove the fraudulent accounts and the fraud addresses. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The address listed below I have never lived at, and they must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I get paid weekly from my job and usually my pay comes in Friday. However, as I look at my account it was still balance as it was once before. After some researching, I found out theyre were having technical problems. But these issues were stated since Wednesday and said would be solved yesterday and nothing has changed.
Product: Debt collection

I am a XXXX  citizen and have been a customer of Nationwide XXXX for 23 years. They cover my homeowners and my auto insurance. I reached out to Nationwide XXXX  on XXXX XXXX to question why my auto monthly insurance deduction increased {$40.00}. They stated it was because of an event on XX/XX/XXXX in NJ for impeding traffic on the shoulder of the road and nothing Nationwide could do!!! 

On XX/XX/XXXX The policeman gave me a warning with a fine and stated theres no points, no insurance increase, no problem and I was on my way. Within the month I paid the {$50.00} fine. I was not aware nor was I told I needed to appeal the fine and ticket to avoid an auto insurance increase of {$40.00} ( NO POINTS ) FOR THE NEXT 5 YEARS. 

In addition, I am a XXXX  citizen with a perfect driving record since XXXX, defensive driving courses and XXXX XXXX ( regulates driving habits )
Product: Debt collection

The Winn Law Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a XXXX Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
XXXX  XXXX This company didnt have the authorization to run my credit at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. XXXX  and Trans Union were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either Trans Union or XXXX. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file bankruptcy XX/XX/2018 and XXXX, experian is still reporting the creditors and past due instead of removing them on my credit report