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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX  straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my XXXX XXXX XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '', should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX {$230.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified. this account is reporting XXXX on my credit report also
Product: Checking or savings account

Netspend or XXXX  customer service are very indignant. They keep hanging up the phone on me the first mistake that they did was I disputed to unauthorized charges. From XXXX for {$50.00} and {$21.00} that's it. I also returned products to XXXX for {$21.00}. Some way Netspent took my returned products and placed it with my dispute it has nothing to do with unauthorized charges. Thats a whole number transaction so I get an email that they are giving me my dispute back. They gave me the {$50.00} however I did not get the {$21.00}. They did give me back my {$21.00} because that was products, I returned to XXXX right now. I need to pay my phone bill. I tried to add {$160.00} to my account it was denied access to my account I have since called and talk to supervisors. They have hung up on me. I keep asking them where is the {$21.00} credit, talking about the {$21.00} return products that I got receipts for that has nothing to do with my dispute. Somebody called them about a return from XXXX that was {$49.00}. The fee is {$29.00} That will be returned to some kind of way. This person added this to my dispute and mess my account up. I asked him to go back to the original dispute. They dont have it. They can not show me where I got my {$21.00} and fix my account So I can us it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting bureaus, '' Experian, XXXX, and XXXX  '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the entire loan, and asked them not to report any adverse action as this loan has been paid in full by my open end credit plan. They have yet to respond to any of my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a death certificate and SSN card to Scratch Services to inform them of my father in laws passing. My late father in law has a loan in the amount of {$82000.00} for a solar system bought through XXXX which was acquired by XXXX recently. The financing goes through a company called XXXX who uses Scratch Services. Scratch Services is the company handling this loan. You cant call XXXX directly you have to use Scratch Services. After sending in the required documents they asked me if I wanted to take over the loan. I said no and they stated they would remove the system. I had no contact until XX/XX/XXXX after sending in the documents they required of my father in laws passing. At that time I was in the process of refinancing my home which I acquired on XX/XX/XXXX. My father in law gave me his house on XX/XX/XXXX with a certified Warranty Deed before his passing with the solar loan still in his name. The solar loan had just started a few months prior to this. My father in law was XXXX XXXX XXXX when they sold him this system with a 25 year loan. Since then I have tried calling, emailing this company several times to remove the system from my property and terminate the UCC Statement filed with the Secretary of State of Texas. When I get a response all I get is senior management is working on it or they are waiting to have a meeting about the account. I have demanded the company to terminate the UCC filing and I get no response. I have had no information communicated to me about this accounts status besides they are working on it. It has been five months of being left on hold for hours and sent to voice mail. I got automated email responses until I filed a XXXX  complaint which the company never responded to and it got closed due to no response. Scratch Services has had 43 negative XXXX complaints in the last 12 months with minimal responses. I need the company to remove the solar system and file a UCC Termination Statement immediately. I can not refinance my home until they get this done and it has been five months with no progress trying to work with them. I sent them another message today stating I would give them XXXX for the system. That is all I can afford. This is putting a financial strain on my family and I need the UCC Termination Statement NOW.
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. 
XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US BKPT CT XXXX XXXXXXXX XXXX XXXX has violated my rights.

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

I called transunion concerning my dispute status update. I spoke with a guy it was very hard to understand him becaue XXXX was not his XXXX language. The guy gave the name of XXXX XXXX and did not want to provide his last name. I honestly don't beieve he gave me he correct name. He stated he didn't have an open diute for me when I submitte the dispute on XX/XX/XXXX. I was advised in the email I would recieved a estated copmpletion date of XXXX, XXXX, XXXX. I advied the man on the phone I hadn't recieved an email concerning my disputes cases. He then said we contacted you by email wa incorrect, I have yet to recieve an update on any diutes filed XXXX XXXX, XXXX, XXXX. I asked him about removing an old address of my file. He stated he needed to ask me some random questions. He asked 4 questions and one oh which he aske me about someone name XXXX XXXX, I advised him I don't know an XXXX XXXX. I don't have any children and that is not the name of my father nor my brother. The man on the phone XXXX stated I fell and he couldn't assist me further. I am a victim of ID Theft and I have filed a ftc report concerning the fraud Id theft I've experinced. I want something in writting providing my ownership of said accounts.
Product: Checking or savings account

XXXX XXXX Wells Fargo Debit Card Dispute $ XXXX I have had a horrible experience with XXXX 3rd Party sellers as I have never received items from XXXX XXXX were sent to me as the packages were empty upon arrival, which I filed a police report and other 3rd Party XXXX orders were totally incorrect and when I mailed them back to the sellers they never issued my refund ; which I have all of the shipping labels sent that XXXX approved the returns. XXXX claims they can't help me because they are 3rd Party items and it is at the seller 's discretion which is not responding to myself or XXXX, I have disputed the charges with Wells Fargo bank and they are denying my claim despite all of my hard-core evidence including police emails, police voicemails and proof of shipping labels. I need legal help in terms of consumer protection from WellsFargo for the $ XXXX. I am aware that this is a consumer and rights issue in terms of law, so I would like to hire you if you can assist me because if a merchant like XXXX never sends you items you purchased with your debit card, your primary protection is the ability to file a " chargeback '' with your bank. Please let me know if you can assist me because Wells Fargo has failed to do their due diligence and is simply being lazy and denying my claim. There is no way this claim can be denied with all of the evidence I have submitted, I also can not see the previous attachment before the claim was closed.
Product: Mortgage

We entered a SAM agreement with OCWEN approximately XX/XX/XXXX. We have been making payments on time and over the amount stated. From XX/XX/XXXX thru approximately XX/XX/XXXX Double payments were sent to OCWEN that we were not aware of. In reviewing our mortgage payments, we did not find where the extra money we sent for payments was applied to the principle. I contacted OCWEN who could not tell me where the additional monies were applied. An accounting sent from OCWEN shows the funds were applied to fees and service charges. The SAM contract we signed does not state that payments submitted in excess of amount due would be applied to 'fees and services '. We contacted an attorney to try to resolve, but OCWEN continues to be evasive and not provide an answer to our inquiry of why were n't the excess funds sent applied to the principle.
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, as well as the closure of my account and I seek appropriate redress for these violations
Product: Debt collection

On XXXX XXXX, XXXX to this Day XXXX XXXX, XXXX, I received calls and was threaten by the XXXX XXXX Department from FCI Lender Services , Inc.,  XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, ( XXXX ) that I will be foreclosed and arrested from my home if I do n't pay the remaining balance on my Mortgage. 

My Home Mortgage was sold to this company by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, ( XXXX ) As a XXXX XXXX Veteran, I 've lived in my Home for 26 years, I simply want to pay my Mortgage off with the Modification I had before it was sold to this company. Currently, The FCI Lenders , Inc., has over charged the value of my Home -Mortgage. My Home has been appraised at {$140000.00} for my area- yet, FCI is demanding I pay {$260000.00} Cents for my home -- this is fraudulent and wrong.
Product: Mortgage

Beginning in XX/XX/2019, I discovered my mortgage payments had not been applied to my account with Quicken and late fees were being applied even though Quicken has been cashing my payments every month on or before the XXXX when the mortgage payment is due. ( i.e. XXXX or XX/XX/XXXX ) I tried calling for several weeks and could never get anyone on the phone. Finally I spoke with someone a couple of weeks ago and was told my escrow payment was increased by {$260.00} each month due to earlier tax bills being anticipated 2 month earlier than normal! ( i.e. XXXX or XXXX instead of XXXX ) When I proceeded to tell the Quicken representative ( XXXX ) that is not true and to send me something in writing from my tax office, she said they didn't have anything in writing from the tax office. I made it very clear that I had spoken with my tax office as well as looked on the website for the 2019 tax bill due date and was told there is no bill date yet however each year its somewhere around late XXXX but bills should be mailed out sometime late XXXX or XXXX. I've also attached a screenshot from the county 's website which reflects this. After talking with this rep, I asked to escalate to a manager but was told I couldn't speak with any one higher in the organization or escalate my complaint. I was then called by another rep ( XXXX ) who at stated she talked with the county and the tax bills didn't have a due date but they have a potential to change based on when the tax bill is due and that Quicken would not be reversing any late payments on my account!!! How can a mortgage company increase my payment by $ XXXX/month and start charging me a late fee due to tax bills that have not been assessed nor has any indication of requiring payment earlier than what they have been over the last 20 years! This is mortgage fraud at its best! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : Equifax refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out my information was impacted by the Equifax data breach and now more than ever I feel my information has fallen into the wrong hands. I research the proper way to dispute these inaccurate and misleading items and now over 45 days I received no response. I feel like Im on a hamster wheel going around in circles regarding these inaccurate items. I also researched it is against the law to continue to report inaccuracies especially when they have not been validated. Please assist in removing these items immediately. Thank you
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureau XXXX AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. XXXX ) CREDIT BUREAU is required to REMOVE any accounts listed in Identity Theft. XXXX again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX   due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX XXXX  to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 late payments listed on my experian report. Those accounts were part of my chapter XXXX and should be discharged and not listed as late or at all.
Product: Student loan

Mohela finally put an administrative forbearance on my account due to their delays and errors in processing my annual income certification and payment plan. I have received mixed information on how long the forbearance is for - one or two months. Either way is fine. However, now Mohela is telling me that I have missed a payment and owe double next month despite my auto debit still active in my account. They have caused major errors on my account and trying to get a hold of someone takes a long time. 

Nothing has changed with my auto debit. It is their fault and lack of communication and clarity that they are saying I missed a payment.
Product: Credit card

THIS LAND 'S END ACCOUNT WAS OPEN WITHOUT MY CONSENT. I HAVE TRIED REACHING OUT TO THE COMPAY TO GET INFORMATION ON THIS ACCOUNT AND STATEMENTS. THEY HAVE FAILED TO SEND ME ANY DOCUMENTATION ON THIS ACCOUNT. 

THIS ACCOUNT WAS OPEN THE SAME TIME THAT I HAD FRAUDULENT CHARGES ON ANOTHER CREDIT THAT I HAD OPEN. I ALSO HAD SOME FRAUDULENT CHARGES ON MY CHECKING ACCOUNT. WHEN I NOTICE ALL THIS I CLOSED MY CREDIT CARD AND CHANGED MY CHECKING ACOUNTANT. I ALSO FROOZE MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I opened XXXX XXXX loan account in XX/XX/XXXX. I went ahead and set up autopayment. Everything worked great before XX/XX/XXXX, when I decided to check my Experian credit report and noticed that XXXX XXXX XXXX XXXX ( XXXX XXXX ) reported late payment to credit bureaus. I was shocked, as auto payment was still set up and there was more than enough money on my checking account for XXXX XXXX to charge me. I have never been notified by them about the missed payment and I had no chance to retry my payment. I called them, asked explanation, why they have not notified me about it and why their autopayment failed? It was not my mistake, as there was enough money on my checking and they succeeded to charge me before. Why they were not able to do it in XX/XX/XXXX. Also, I know that before reporting you late, they should give you a notice. I have not received email, mail or phone call. They gave me no reasonable explanation but declined to remove late payment from my account. 
I hope CFPB will help me. These credit companies do what they want and don't care about customers! Secured loan partial account numbers are XXXX opened XX/XX/XXXX.