23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I have opened an account with  XXXX , in which they have offered me 12 months promotional period for any purchase ( no minimum value ). The first outstanding balance  (  purchasing amount ) was {$460.00}.     So I have divided my payments into 12 monthly payments and I set an auto-pay to let the payment withdrawn from   XXXX    XXXX   XXXX  account.     I 've started paying the monthly payments, until I received the seventh statement which says I have been charged an interest ( and it was deferred ) because the promotional offer has expired aft er six  months. Which is totally untrue. They did n't send me any agreements that says if my promotional offer is 12 or 6 months.     I contacted Synchrony bank four times and after long conversations (  XXXX  ) & (  XXXX  ) they said I have to go back to the store.     I really did and the store denied this and kept asking me for documents to prove this which I never received. And honestly I was n't aware about these statements because I have enrolled in the electronic statement and they told me that this is indicated in the statement. I did n't read this.     I told them this is not acceptable and I am a person who does n't buy with interest because of my belief. This is a rule in my life. And they have fooled me. I offered them to pay the entire balance only if they take-off the interest charged, but they denied.     I came back to the bank and they kept saying there is nothing that can they do with me. And they have offered me {$25.00} credit. I refused to take them, because I am not begging for money, I was asking to get back my right and not to be fooled.     My Name :  XXXX   XXXX   XXXX  My Account # with Synchrony bank is :  XXXX  My Email is :  XXXX  XXXX  XXXX  My Phone Number is :  XXXX   XXXX   XXXX  Address :  XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX  FL
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax credit report, there 's an account that was removed a while back and now it 's been added back. The account is  XXXX   years old.  But there was no notifications sent to me about this and with it being added back to my report it dropped my score dramatically!! I 'm pursuing a job currently so this has the possibility of affecting my chances of employment. The account is   XXXX   XXXX   XXXX   XXXX
Product: Mortgage

My Mother had a reverse mortgage with Champion Mortgage. I have always had difficulties getting any response or cooperation with any person in a management position in this company. After her death the heirs followed all the procedures as instructed by Champion Mortgage. We sold the house and was charged a XXXX attorney fee because they said the house was in foreclosure never were we informed that it was at anytime in foreclosure. 
In XXXX we received a mortgage refund made payable to XXXX XXXX XXXX Estate. I notified them that there was no Estate. I was told to return the check along with signed statements from each of the Legal Heirs stating that they were giving permission for the refund check be made payable to me, XXXX XXXX. 
I returned the check along with the required statements via the United States Postal Service. These documents were sent certified mail with a return receipt. I have received my copy of the return receipt that was signed on XXXX XXXX 2015. The Representatives at Champion Mortgage are saying now that they received the check and documents but can not find them. Phone conversations about this matter are now resulting in more lies, broken promises and unreturned phone calls. I still have been unable to speak to a supervisor or any XXXX in a management position. We need this matter resolved asap and the refund due to the legal heirs sent to them. Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Equifax reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Equifax violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Debt collection

I writing a letter with no response stating the law 15 usc1692c. asking for a collection to be removed XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had an auto loan from XXXX XXXX XXXX. I personally believe that I paid the loan off but they kept adding money towards the end. I finally filed Bankruptcy and they charged it off. However they kept adding money to the chargeoff account as if it were a current open account and they are reporting that I was late several months on my report that should be deleted from my credit reports. I have tried to contact XXXX more than five times and they have not responded to me or the XXXX. I would like to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX, XXXXXX/XX/XXXX Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXXXXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Mortgage

Hi, the problem with this mortgage services is that even paying the mortgage, also the home Insurance, the mortgage company refused to pay the damages on the house caused for a water leak, this incident is already reported to the XXXXXXXX city water services and the water service is cut off. Mortgage XXXX # XXXX. 
The water leak was reported on the first week of XX/XX/2022, the incident was reported to the water services and Carringtonm mortgage services LLC.

I WILL NOT RECOMED THIS MORTGAGE COMPANY SERVICES FOR FUTURE HOME BUYERS.
Product: Credit reporting or other personal consumer reports

Please delete the following accounts and inquires I filed last month CFPB but still not response XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX Date of inquiry : XX/XX/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 Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My credit report is showing that on XX/XX/2024 XXXX XXXX  received an inquiry from the store " XXXX XXXX '' for a credit card. I did not apply for a card from this store. I called XXXX XXXX  @ XXXX XXXX and they couldn't find an application with my name/ Social Security number or phone number in there system. They said that they would show on their end that I was disputing this inquiry. I did file dispute with FTC also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : an investigation from XXXX through the CFPB portal response is states there investigation in to XXXX XXXX XXXX { THIS ITEM HAS BEEN DELTED you are still reporting this account on your credit report. you receive the same information as did XXXX did, enclosed is XXXX company response
Product: Student loan

I went into default 8 years ago with educational credit management for a school loan.They sold my debt to performant creditor. I made payment arrangements of XXXX dollars a month on the XXXX to be direct deposited out of my account. I have never been late or had a missed payment. They send me a letter each month saying they are taking out XXXX dollars and the account information. Educational management sends me letters every four years stating that I need to settle the account. I called up and they told me I am in good standing then they transfer me to a lady that says I must resettle the debt. I told them I had made arrangements with the creditors they sold my debt to. They said those are volunteery payments and dont count. Now thet sent a letter saying I am in default even though they took out XXXX dollars XX/XX/2021. Now they sold my debt again to a credit company XXXX and they added XXXX in fees. I am paying the original agreement as agreed they are harassing me in and already stressful time covid. I have bank records proving I payed as well.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 resulted in several fraudulent hard inquiries and fraudulent collections appearing on consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ... 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX. You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy ofmy credit report when the above deletion has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXXs # XXXX XXXX accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX  # XXXX XXXX accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX  # XXXX XXXX accordance with the Fair Credit Reporting Act XXXX AccountXXXX XXXXs # XXXX XXXX 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, othe than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-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: Debt collection

On XX/XX/2019, Jefferson capital Systems, XXXX XXXX XXXX , XXXX XXXX MN XXXX opened accounts in my name and immediately reported these accounts as unpaid debt. This was done on both my XXXX  and XXXX credit reports. This debt was removed from my credit twice in the last year and several times over the last few years. 

It stemmed from a cell phone that I returned to XXXX during my 14 day trial over 14 years ago. I didn't keep their service as it sucked and returned the phone to them before my 14 day trial was up. 

These companies keep adding this old debt to my credit files, the debt is well beyond the 7 years allowed by the Fair Credit Reporting Agency. Neither XXXX  or XXXX are verifying the information before they add this back to my credit. It has been REPEATEDLY REMOVED by both of these credit bureaus. 

I would like you to investigate Jefferson Capital Systems, as this is an unfair practice. 

1 ) It is an illegitimate debt, due to the actions of XXXX XXXX, which I am assuming was the retail agent afraid about losing his commission. 

2 ) I was never notified of this debt, I received a credit monitoring action after they already attacked my credit reports. 

3 ) It has been removed repeatedly over the last few years. I am to the point I am about to file a class lawsuit on these people. 

I am XXXX to XXXX  XXXX XXXX as an XXXX XXXX of the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.
Product: Credit reporting 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 
I do not authorize none of these transactions. I do not recognize any of these hard inquiries. 
I also have one collection that I would like to be removed as well. 
-XXXX XXXX XXXX XX/XX/XXXX. 
These is a bill that I had paid and it shows as a collection on my credit reports.
Product: Debt collection

Bl

ackwell Recovery has attempted to collect a debt in the state of Utah and they are not licensed or bonded to collect said debt. They have placed a mark on my credit report when they are not allowed to due to not have a debt collectors license in this state. They have also tacked on added charges to which I h
ave not agreed nor ever signed a contract for. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX fax email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have called chase several times requesting a wire fraud scheme of {$16000.00} dollars sent to an XXXX XXXX who was then sent to a XXXX XXXX. 

I sent them money for and XXXX verification badge in XXXX of 2022. As of today I have been blocked on all platforms and denied a refund for the service that was never rendered. When I opened a wire recall withdrawal and spoke with representatives they said it was up to who I sent it to. 

I spoke to XXXX several times who begged me to cancel it and he would help me retrieve my money. That never happened. So I have been defrauded of {$16000.00} and many others have been as well. I will attach the links below. 

I tried to escalate this with chase and they essentially told me tough luck. 

I want a solution to this. I filed a complaint with the ftc and fbi as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have concerns regarding the validity and accuracy of your recent investigation into the accounts listed on my credit report. I requested this investigation because I believed the items in question were not being reported in accordance with the law. I recently received a letter stating that your investigation is complete. Could you please provide me with an explanation of how the investigation was conducted? 
XXXX XXXX Balance : {$210000.00} XXXX XXXX XXXX Balance : - XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : - XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.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