23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recevied a call from someone at the Weinberger Mediation Group, told to call back at (   XXXX   )  XXXX , threatened me by saying this was their last attempt and my lawyer needs to get ahold of them before they serve me and press charges. I have no clue what this is pertaining to, im sure its a scam and they need to cease and desist all contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX A XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$23000.00}
Product: Checking or savings account

Good Night. I have a Capital One account and I was suppose to get my pay ( direct deposit ) this morning and up until now at XXXX I'm still not seeing the deposit in my account. They have technical issues and I am assuming it is due to the fact that they have been sued by other customers and they are trying to pay out the funds to those affected and it seems that everything crashed. When I spoke to them this morning they could not give me an estimated time as to when these technical issues will resolve. I called again in the evening and got the same answer. I am really in need of my money and I'm scared that the amount if funds I currently have on my card is going to go. I think I need to sue them now for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Working with Experian, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.
Product: Checking or savings account

That when the state was sending out stimulus direct deposit and child tax credit they on their own credit your account with out your knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates opened on the account are wrong. The highest balance on the account for the different bureaus are XXXX and XXXX. They were reporting the account open for months even though it was charged off as a profit loss and put into collections. I asked for consumer report and they did not respond. It has a past due balance and its a coded account. The account was re-aged.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are reporting a bankruptcy on XX/XX/2018 for me. When I asked for proof of validation they stated that the record was validated by the XXXX XXXX XXXX TEXAS located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I reached out to this federal agency to ask for them if they provided this validation to which they sent me an affidavit stating they strictly do not and have not ever provided validation of personal records to credit bureaus. I will attach this affidavit if possible. Clearly TransUnion and XXXX are not being honest in their claim to validating this record as the source they used stated the opposite. Additionally, this same dispute was brought up with XXXX bureau who agreed that it shouldnt now nor in the past ever have been reported on my credit report. I have tried to explain this multiple times to TransUnion and XXXX but they do not cooperate nor take the time to back up their lies of this records proof with the claim the agency rebuked. Per section 611 of the FCRA, bureaus are required to validate accuracy of information with the furnisher. In this case the TransUnion and XXXX are claiming the furnisher is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas however via affidavit the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas explicitly denies ever being the furnished to validate or provide such information. Thus it should be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to XXXX and TransUnion on XXXX XXXX, 2021 to prove that XXXX XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX, 2021. Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both XXXX and Transunion in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.
Product: Vehicle loan or lease

Westlake kept calling me about car payment for XXXX payment. I told the agent that I made my payment it came out of my account. But, they kept calling me saying I didnt pay. I told them I paid it on the XXXX for XXXX. They stated they dont see the payment in their system. They continue to harass me about this payment. Then on XX/XX/XXXX I spoke with an agent he stated they missing XXXX payment but I let him know it was on XX/XX/XXXX payment was made for XX/XX/XXXX. Then, he stated I missed a payment XX/XX/XXXX. I told him XXXX payments were made in XXXX, XXXX and XXXX. This car loan was 72 month and XX/XX/XXXX is my last payment. They sent a letter stating missing payment for XX/XX/XXXX that I owed {$600.00} with a late charge if {$15.00}. I told them subtracting the payment made on XX/XX/XXXX leaves me owing {$230.00}. I would like my title for my car. Then, I received letter XX/XX/XXXX stating I owe them a past due {$620.00} for XXXX XXXX and it is past due 16 days. The letter stating it will charge off and a negative credit report submitted to credit agencies. It is very weird that this happening when car is paid off. These are scam and predatory lenders been to be shut down. They have thousands of complaints but nothing done about it. I was finance by XXXX XXXX but Westlake took my loan over in XXXX. They are the worst company milking US citizens. Class action should be filed against them!!
Product: Credit reporting or other personal consumer reports

I have disputed these with each of the companies and they haven't given me any updates on the situation, and this is affecting my credit score heavy.
Product: Debt collection

I have contacted Transworld System on a matter that pertains to my credit. I have been a victim of fraud. I sent Transworld System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked transworld system to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX  score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Transworld system and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Product: Mortgage

I have a mortgage with midland mortgage a division of mid first bank, out of XX/XX/XXXXXXXX ok. We pay our mortgage on time every month. We have had to contact them several times about posting our account as late, when it is not. We requested a print out of all of our history. Which we paid {$100.00} for which was not a full history and was not correct. They continue to send statements every month after we have paid our mortgage. And they dont make sense, with Outrageous fees that continue to occur over a period of time. We called for a pay off amount. They could not provide that either. This is Affecting us dramatically. We are in the process of waiting for a home equity loan. I have a medical condition and need to have a medically Necessary XXXX. That continues to be prolonged do to errors on the mortgage company part. Which are effecting our credit. We have worked very hard to get this loan. My life is at risk. My family and I where informed I should not wait any longer to have my XXXX. And this is causing things to be pushed out further then Necessary. We our completely frustrated with going back and fourth with them to correct this. We need this loan now. And this mortgage company needs to get there records in order. Its there Responsibility to their consumers and their customers. We pay our bills on time we expect things to be reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This company has lied about their secured credit card program. I have had this card for 5 years come XXXX and it is still a secured card! To put this in perspective I got a secured card from XXXXr two years ago and my limit with them is now {$5000.00} on secured. I make {$160000.00} a year and my credit score is in the mid to high XXXX. They refuse to switch this card over or increase my credit limit no matter what. I have a perfect payment history which I've attached. More data can be provided. They are scamming customer to contiue to collect a higher interest rate. If you look at the complaints about this particular card and particular company from XXXX to other research you will see that this is the number one complaint from people. They're scamming people to get into this card and then they never let them out of it as their terms dictate. The scam must stop! My card is paid off in full monthly. They also send me these bizarre letters about me speaking inappropriately to their customer service Representatives when I never call their customer service Representatives and I haven't spoken to them and over a year or more. They also never let people dispute any charges easily nor do they provide the right Clarity on the process to do that.
Product: Credit card or prepaid card

I received an email today XX/XX/2020, from Capital One stating that they have decreased my credit limit from {$10000.00} to {$5000.00} because of my low utilization. I have always made my payments on time and pay off the balance each month. I contacted them to reinstate my original credit amount, and they refused to do it. This is going to negatively effect my credit score.
Product: Credit card or prepaid card

Bank of America Credit card has a special rewards within certain time such as XXXX coming. I have to use my credit card during thsi time to avail of the promotion for a bigger cash back but this never happened. Nothing came back to my rewards amount and the promotion just disappear from the site.
Product: Credit reporting or other personal consumer reports

My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian equifax for XXXX to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness. Also I received a inquiries but never received anythings from the companies so unlawful reporting on my credit without giving the consumer anything in return
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These accounts have violated my rights ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}
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 XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/year> TU 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through Navient Department of Education. I reported it to all 3 credit bureaus, FTC.gov and Navient and sent in the requested documentation to Navient. XXXX   informed me today that they are not resolving my disputes and it will not be removed from my credit report, as Navient states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequat 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.