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

I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
Product: Mortgage

Paid money in XX/XX/2022 twice and then said I was late I. XX/XX/2022 for no payment and believe some of my extra payments I paid on principle did not go to principal.
Product: Debt collection

XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.
Product: Credit reporting or other personal consumer reports

I provided the reasons for disputing the information. I have enclosed it again fraud accounts and inquiries Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX  ) to seek their assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why? 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : Accounts 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am the owner of XXXX XXXX XXXX  XXXX I am XXXX XXXX. 
I have looked over my credit report and I am missing two credit accounts that are in good standing my XXXX XXXX XXXX and XXXX. The credit card companies have reported my payment history yet there is nothing even showing on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries 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: 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a company name XXXX XXXX unauthorize put a hard inquiry on my XXXX  union credit report. I never heard of XXXX XXXX and did not authorize them to pull my credit. After investigating I learned the parent company self inc a credit building app is the parent company of XXXX XXXX. I did not authorize self inc or XXXX XXXX to do a hard inquiry on my account. A lot of people are complaining because they to are victims of self inc and XXXX XXXX  unauthorize pulling there credit.
Product: Debt collection

On XX/XX/2021 I spoke to XXXX XXXX XXXX in regards to a bill that has been paid directly to XXXX XXXX XXXX. They stated they have removed authority from LJ Ross to collect on this debt and to report this debt. They have sent a letter to LJ Ross and to myself stating the debt was removed from them as it is paid in full directly to XXXX XXXX yet LJ Ross continues to report this debt on my credit reports. They do not have authority to report this debt.
Product: Credit reporting

Equifax is not doing a proper investigation. They keep saying it is verified. I want to know who are they contacting with the creditor. Also they are not providing papers under the FCRA XXXX which they need to have to be able to report and item. Also they remove something and it gets reinserted without letting me know which is a Violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX ), & XXXX. XXXX, XXXX- account # XXXX has violated my rights. 



15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Halstead Financial Services repeats daily calls to me from numerous phone despite me demanding every time that they stop calling me. They have used the following telephone numbers : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

Citizens Bank sold me a CD product several years ago. The CD came due in XXXX, 2022. It has yet to be redeemed because Citizens Bank placed the CD in an annuity with Colorado XXXX XXXX. Colorado XXXX XXXX is involved in complicated legal suit with its CEO. Citizens Bank has communicated very little and it is now 7 months past the redemption date. I am earning no interest on my funds, {$350000.00}, and have no idea when or if I will receive the face value of the CD. Citizens is acting as if they have no responsibility for the CD.
Product: Money transfer, virtual currency, or money service

Capital One automatically closed out my saving account due to more than permitted numbers of withdrawals from my account. The bank remitted the remaining balance of {$7100.00} on XX/XX/XXXX to a bank account not confirmed by me. I don't know where the fund is so far. 

I have been calling/emailing Capital One. I also went to the recipient bank 's branch to have them contact Capital One. I didn't see any progress on the issue so far. Each time, different representatives from Capital One gave me different directions/explanations/instructions. The latest status from the bank is that they are still having trouble identifying where the fund is and started reaching out to the recipient bank after 2.5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct this issue for several years now. It is My understanding that the reason I have never had a credit score is due to the information that was reported at some point in time by an unknown source, to the Credit bureaus, stating I am deceased. Unfortunately I have no information that pertains to this matter, leaving me without a score even though I have 1 unknown delinquent account that for whatever reason I am not able to get corrected by Experian, as I have disputed this twice now and both times Experian provided no resolution or anything other than I can no longer dispute it after 2 attempts. I have 1 credit card that is my husband 's account with me as authorized user in order to generate history and a score. No score is negatively affecting me and being deceased is the only option left. However it does not show me who or how to fix. Please help
Product: Credit reporting or other personal consumer reports

I sent a formal letter stating how they were including the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws, specifically, Section 607 of the Fair Credit Reporting Act, Compliance procedures [ 15 U.S.C. 1681e ], ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. I respectfully asked the following accounts be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

XXXX. XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account
Product: Credit reporting or other personal consumer reports

I sent an initial letter labeled nerve attack and they responded with a letter saying it was verified I sent a 2nd letter requesting they provide evidence of how they conducted their investigation and they only responded with the same letter. It is clear that TransUnion isn't conducting a proper investigation and continues to violate my rights under TILA and 15 USC. TRACKING NUMBERS FROM USPS 1ST LETTER  : XXXX 2ND LETTER : XXXX
Product: Credit reporting or other personal consumer reports

Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice XXXX for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.
Product: Checking or savings account

I opened an account with Marcus Goldman Sachs and immediately regretted it because I was told by a friend that they will lock your money up on a dime so I immediately tried to withdraw it and lo and behold. They locked up my {$1000.00}. Ive called them, Ive sent an ID, Ive chatted. They gave me the information about how to wire out the money, but then they locked up my money the next day They locked up my online access. They refuse to give me my {$1000.00} and I need it badly. 

The photo of my balance below is before another {$200.00} was added BECAUSE THEY DIDNT NOTIFY ME, THEY WERE JUST GOING TO LOCK UP ALL MY MONEY So I deposited XXXX more XXXX XXXX  XXXX why are they allowed to do this? Why are you letting them do this to us to poor people?
Product: Debt collection

On XX/XX/2022, I asked my partner to call and request the total balance on the account with MAS financial services, because I was working. Due to the fact that I had previously noticed that on all of the billing statements sent to me are a different balance on the account, and only continue to vary with each new statement. MAS financial refused to give this information on XX/XX/2022. Additionally, the monthly payment increased by {$100.00}. I was never notified beforehand. 

Very shortly after I had my partner request this information, I began to get phone calls by MAS financial at my Job, and random family members of mine also have been receiving phone calls. MAS financial was never given family contact information nor given permission to contact my job or family members. They were notified on one of the times they called a family member of mine that they are in violation of federal law of repeated phone calls which constitutes harassment. 

In a second attempt to find out information, I sent a cease and desist on XX/XX/2022 certified mail to only contact via mail and requesting original documentation also via mail. I gave 30 days to respond. MAS Financial never responded within 30 days. I was sent a letter from the a debt collector for an amount due not total balance of account on XX/XX/2022. Now it is XX/XX/2022, I received a phone call with no caller ID. I answered with hello and the first response is " What's up XXXX, where is the red car '' Now I am requesting " Request for an accounting '' notarized in writing via certified mail. where I will be assessing a fee of {$33.00} a day. I want any and all documentation provided to me within 14 CALENDER days. 

I also have forwarded all this information to the FTC, DFPI and attorney general of CA
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Transunion about an item on my credit report to delete an item that they continue to report on my credit report incorrectly. XXXX XXXX XXXX XXXX  I finally filed a complaint with the CFPB XXXX XXXXXXXX Which I will attach. They came back an said it was correct, I believe they are doing the same as XXXX  Credit reporting, they are not doing an investigation. I will attach 1 on the several disputes that I have sent to TransUnion to Verify this accuracy. In the Complaint to The CFPB XXXX they said they will send me a copy of the credit report within 7 days from there response XXXX XXXX XXXX XXXX and still no copy. So I had to pull my own copy of my credit report and it is still not CORRECT. They said in the CFPB response that it was correct. I can point out several errors I have made copies of everything so they can't fixit an say it was correct. Just 1 error according to the- FDCPA -after verifying the debt the item must list item as disputed debt. 

I believe the CFPB should look into TransUnion for not verify information just like you did with XXXX
Product: Mortgage

I Had a HELOC with TCF bank which is now Huntington Bank. I sold the property this loan was attached to in XXXX of XXXX. TCF provided the Title Company with a pay off amount which was paid before the good through date. Two months after I moved I got a call from Huntington bank to say I owed {$800.00}, but failed to provide information of what this amount was for. After numerous phone calls between the Title Company and Huntington bank nothing was resolved and I still did not know what the balance was for. During this time Huntington Bank was reporting me for late payments which has ruined my credit. I asked them to remove this but they said they could not unless the balance was paid. I paid what they asked even though I still do not know what this is for and sent them an email requesting they remove the derogatory reporting. This was done on XX/XX/XXXX and I have heard nothing from them. I can not get a mortgage because of this, and my lease is up at the end of the month and because of my credit score I am finding it difficult to find another house. Prior to this {$800.00} there was never a late payment on my HELOC account. Please help, I am desperate to find somewhere for my children and I.
Product: Mortgage

I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX - XX/XX/year>. Multiple calls were made attempting to get assistance to make a payment. A call was necessary because I needed the payoff amount. I could not get through to an agent and was met with an automated message saying no one was available. It was obvious they were having system issues. I called a few times. As a result XXXX has reported my account delinquent. This would not have occurred if their phones were operational. I am also currently experiencing an issue with making a payment with my debit card and that is also failing. I will be emailing a screenshot to web services regarding this. This complaint is only in reference to XXXX, which I have also confirmed with an XXXX that XXXX was experiencing phone issues on or around that time. The fact that I mentioned this in a XXXX in the online portal and XXXX still chose to report this as late is unacceptable. I ask that you remove this ASAP. 
XXXX has been never helpful in removing lates even as a courtesy, or due to covid. In this case this is your fault.
Product: Mortgage

I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. 
Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!
Product: Mortgage

Company : LoanCare ( XXXX XXXX XXXX ) My loan was transferred to a new servicer and the account became active today ( ie I could register online and pay my mortgage without a fee by enrolling in autopay ). I registered and tried to set up autopay and was given the message " Auto Draft enrollment will become available once all past due payment amounts have been paid. '' I suppose technically I am past due but I did not have the option to pay prior to today.

I looked at their fee schedule and was directed to their app : " Use our mobile app or desktop site to schedule and manage one-time payments. Making a payment on or before the due date is always free of charge. '' I tried logging into the app and was given the message " Client is not enabled. '' I tried to register and was given the message " Loan number is already registered. '' So, the app is out ( judging by the one-star reviews, it appears others have had exactly the same problem ).

Now, my options are to i ) pay online and be charged {$10.00}, ii ) pay by phone for {$15.00}, iii ) roll the dice on a check getting there on-time via standard USPS, or XXXX ) pay a fee for express mail with tracking. Even speaking with customer service requires a fee! This is the most blatant money grab I've seen and the process is intentionally difficult / designed to produce foot-faults where LoanCare can collect extra fees.
Product: Vehicle loan or lease

Vehicle sold in XX/XX/year> by way of fraud and deception. Lienholder sold vehicle without title rendering buyer unable to register the vehicle. 

The lienholder is a scammer and is committing fraud.