23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a bill in collections from XXXX and it is because my initial bill was on a payment plan which was agreed to by the original creditor as they set me up on the plan. I received a letter on XXXX/XXXX/XXXX stating as of XXXX/XXXX/XXXX that I was being placed in collections. I called the original creditor the bill was with and they stated it was an error on behalf of the XXXX party and they were just supposed to be handling the bill. They looked and confirmed the bill was up to date and never late and my final payment was to be paid XXXX/XXXX/XXXX. I received a confirmation email that I paid the bill in full once the final installment was paid. Suddenly in XXXX XXXX I received a notice on my credit report that I was turned into collections. I then called the original creditor XXXX/XXXX/XXXX and asked them why they did this. They called the debt collector and said it was straightened out but they said there was no guarantee it could be taken off my credit report. In essence I was turned into a collection agency in a fraudulent manner. I then disputed the ding on my credit with Transunion and XXXX, with Transunion showing as it being open and outstanding and XXXX showing that the bill was paid and closed but still in collections. XXXX went ahead and deleted the blemish from my credit report but transition changed their status to paid and closed but in collections. They also resported the information in an inconsistent manner. I have emails about the payment plan and proof through my bank statements that the payment was taken out each month for several months on the agreed dates. I truly feel that I was wronged in this matter and I am extremely dissatisfied with the initial creditor, the collections company, as well as transunion. I am in the process of eliminating my debts and trying to purchase a house and now I have a collection listed on my credit and I will go to any length to have this removed from my Transunion report and have the correct information reflecting on my credit report. If I would have known this blunder would have occurred I would have just suffered a bit more and paid the bill in full. I want my credit report to go back to the way it was. If I am not able to get a proper resolution I will likely see about taking the original medical creditor and the debt collector to small claims court, or possibly even seek a lawyer to take legal action against them. The original creditor was XXXX and the collection company is XXXX The date of service was in the XXXX of XXXX XXXX a hospital in XXXX, colorado.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair reporting act this creditor, has violated my rights, under 15USC1681 section 602 states i have the right to privacy, 15USC1681 sect 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting

On XX/XX/2017 I received an alert that my Credit report had changed. Hard inquiries were removed from Transunion and XXXX accounts were deleted. I then noticed they were put back on without any notification by letter or email. I have made several calls to the Credit Bureau and still no assistance. I did take screen shots showing them took off and put back on. This caused my score to drop and a denial for a new car purchase. I just want them removed off.
Product: Money transfer, virtual currency, or money service

Hello, Im filing this complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( XXXX ). My account was left unprotected and vulnerable because CashApp failed to take timely and effective measures to prevent and address fraud on their platform. 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 regulation E. These actions have caused a significant inconvenience and financial loss and I seek the appropriate Redress for such violations.
Product: Checking or savings account

I bank with Capital One my direct deposit went into my account. I am not being given access to it have double checked, and there is no problems from the payroll company. Customer service has been terrible and they will not tell you anything. This has created a financial burden on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, WF CRD SVC reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block ink ) due to inadequate customer service and unfair practices, which violations the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. They did not comply with error resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX
Product: Mortgage

I am in a continual modification with Seterus. On XXXX I had spoke to XXXX at XXXX and he stated that he could n't tell me anything about my modification because I was being represented by legal counsel. I told him that I sent you information on this last XXXX that I was not represented by legal counsel. He told me that he has no documents and told me to send it again. I asked him to tell me exactly how does he wanted spelled out. " No longer being represented by legal authority counsel. Remove counsel on file. '' It was faxed to them on XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX and he told me that the fax was showing in their system. On XXXX I spoke with XXXX XXXX and she confirmed my modification has been set for trial payments of 3-4 starting XXXX XXXX. I paid her XXXX & XXXX in the amount of {$840.00} for each month. I called and paid XXXX with no problem. When I called for the XXXX payment, XXXX XXXX, they took my monthly payment and told me congratulations the modification has gone through for {$840.00} a month. Then she put me on hold, came back and told me that she ca n't proceed anymore because I 'm being represented by an attorney. She also told me that their attorney, XXXX needed to be contacted by me before XXXX XXXX with signed documentation. I also need to send Seterus a letter stating that I am not represented by legal counsel and that she did not have any documentation of my fax from XXXX. 
The last time I paid my 4th payment in the modification process, they told me I was in default and had to start the process all over again. That was in XXXX. I paid close to {$4000.00} then. They are unorganized and each time I talk to someone at Seterus they tell me something different from the last person. Frustrated. I feel like I 'm being taking advantage of their mistakes.
Product: Money transfer, virtual currency, or money service

On XXXX I made a purchase to XXXX through PayPal for a product. When weeks passed, the company finally sent me a track in g number and said it was delivered on XX/XX/year> ; however, the product never arrived. When I contacted the company, they refused any further help and basically said they fulfilled their part. So I contacted PayPal and had an escalated dispute in which they denied for some reason. So I appealed it. Then contacted the company once again. They company did not provide a map or picture of the item being delivered to my property. I then contacted my bank to dispute the charge. Im so frustrated. I dont have my money or my product snd no one is helping.
Product: Credit card

Last year I enrolled into a XXXX installment plan for my XXXX XXXX XXXX Synchrony Bank account and it was closed. The installment plan was for XXXX equal payments automatically scheduled on my account and it stated that there was NO INTEREST that was supposed to be charged. It was expressed that all I had to do was make the equal payments and I would be able to pay off the balance. Well on the latest statement I was just charged over {$800.00} interest. This will negatively impact my credit and make it impossible to pay in XXXX equal payments as promised.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted by an individual named XXXX XXXX I was also given a second name XXXX XXXX. 
I was looking for a room to rent in the XXXX Nevada area. They said they had a spare room to rent and after obtaining ID verification from them and information on the house and a few other things. Everything was done and payment was the only step necessary to move in. I sent an initial XXXX $ security deposit, then a second XXXX $ for half of rent. I was supposed to meet up with her the second day at the home to get key and move my stuff in. On XX/XX/XXXX she says we cant meet until other half of payment due to maintenance issues and security issues. And me already having paid the first half I believed it was safe since I had ID VERIFICATION and many other information so I forwarded another XXXX $ to the individual. After that I went to location and the home owner was clueless as to who this idnciuql was and had no clue of anything. And I would not get texts back from the individual till today. I filed a report with XXXX for the XXXX $ deposit on XX/XX/XXXX as well as with Bank of America for the XXXX $ transferred through their app payment program XXXX After a month wait, both companies denied a refund due to it being a wire transfer. 
This is all the information I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX $ security deposit XX/XX/XXXX XXXX $ half rent before move in XX/XX/XXXX XXXX $ other half rent after key sent XX/XX/XXXX Asking for XXXX more XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX as well as a ID photo and photos of the supposed individual. 
I contacted both banks after my complaints seeing if anything else was possible and they wouldnt help. I would love to forward all other photos and info I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.
Product: Debt collection

My phone rang at XXXX from Bayview Home Loans trying to get my mortgage payment..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The information listed on this account is incorrect and was already deleted by XXXX and XXXX XXXX Date of Last Activity and Date opened is incorrect Under 15 U.SC 1681i, Paragraph ( 5 ) ( A ) ( 1 ) ( i ) Treatment of Inaccurate or Unverifiable information ( A ) In general, If, after any reinvestigation paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete..

Please delete this account
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Chase posted a charge to XXXX on XX/XX/2020 from XXXX  for {$120.00}. I called Chase and reported the fraud. Chase reversed the charges, closed that card and sent me a new one. In XXXX Chase again posted a similar fraudulent {$120.00} charge to the new account ending XXXX. I did not use the card at all. Chase is the only one with the new card number as my physical card is placed in storage. 
I again reported the fraudulent charge. Chase started the dispute on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who transferred me upon request to XXXX. XXXX harassed me an behaved abusively instead of informing me of the status of the charge. He yelled at me claiming it was a recurring charge. I pointed out that there was no other charge except the previous fraudulent charge that closed the account. I asked for a letter explaining the result of the investigation into who gave this second card number to the criminal creating these fraudulent charges. XXXX said they would send a letter. I thanked him and asked when the charge would be removed and he started harassing me again and then hung up. 
I called again tonight and spoke with XXXX who transferred me to XXXX in XXXX MO. He said that a letter was sent on XX/XX/XXXX. I haven't received it yet. I asked why the charge was not reversed and XXXX said that was up to the fraud department and to call them. I said I didnt want anymore arguments on the phone, I wanted it written down and was calling to learn if a letter had been sent. I repeatedly asked that the card be closed because Chase was using it as a scam to inflate their balances owed. 
Chase gave my credit card to a known fraudster, whom I can not contact to address these fraudulent claims. I do not have and have not received any TV services. I do not have a TV. The actual XXXX XXXX XXXX knows how to contact customers or visit their homes to stop service.
Product: Debt collection

on XXXX I got an alert that a new account was opened in my name with XXXX. I did not open allow it to be opened or gave permission for an account with XXXX to be opened. I have filed a complaint with the FTC and the XXXX county sheriff 's office this has been an ongoing issue. please see attached.
Product: Credit reporting

A few months ago I sent some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting or other personal consumer reports

I am writing regarding my Global Lending Services account XXXXwhich has been paid in full and is now closed. While I appreciate that the account reflects a {$0.00} balance, I am disputing its continued reporting on my credit report as it is no longer relevant or necessary for my creditworthiness. 
Legal Basis for Dispute I request a thorough investigation of this account and its removal from my credit report based on the following laws : 1. 15 USC 1681c : Closed and obsolete accounts with no balance or active obligations should no longer appear in consumer credit reports.

2. 15 USC 1681s-2 ( a ) : Furnishers of credit information must ensure its accuracy and relevance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a TAX LIEN on my credit report that 1. is over ten years old and needs to be removed & 2. The reporting and filing status is completely bogus. I had paid this long time ago. 

I reached out to Equifax over two times and today will be the 3rd time. This tax lien is keeping my husband from qualifying fo r a new home since they consider my debt. 

Please help me get this resolved with Equifax so I can make a better life for my family. 

Thank you
Product: Mortgage

Good day, Please accept this complaint, as I have been working with the servicer to modify my loan. We are in the middle of the loan modification and I have been very cooperative, this would be the second attempt to try to resolve this hardship. I do n't understand why they have scheduled a sale date for XXXX XXXX, XXXX. This is my home, my childrens home and I am very distrought with the fact my home can possibly be solved, where will we go? We have no where to go. Please help.
Product: Debt collection

I sent Professional Recovery a certified letter asking them to give me a copy of legal documents they stating that I agree to pay them {$190.00}. They did not respond back. But refuses to remove the information from my XXXX credit report, and XXXX refuses as well. However, neither agent will send me the documents I've requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lawful Notice Of Dispute To : DeptedNelnet, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am in receipt of a computer- generated letter from your company dated XX/XX/2023, unsigned, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of purjury. 

Who are you? Do I have a contract with you?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Wells Fargo checking and savings account were hacked and XXXX XXXX filed the complaints immediately with my local branchAUTHORIZED transfers were made. One was a XXXX transfer from my savings account for {$480.00} and I never sent XXXX from Savings and only used XXXX a few times in 13 years and never for more than {$250.00}. The same hackers wired {$4500.00} from my checking account and I never ever have wired money from my account to anyone, ever. In fact I wire commissions from my account and I always have had to go to a WFC banker. I filed a complaint within 15 minutes with XXXX XXXX at the town center branch in XXXX XXXX, Fl. .Wells Fargo has denied both claims for the unauthorized XXXX transfer and the unauthorized wire transfer. I am XXXX yrs old retired on a small income and really need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX Account # : XXXX ACCOUNT NAME : XXXX  XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME XXXX XXXX Account # : XXXX ACCOUNT NAME : 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