23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I filed my 1st dispute against cashapp about 10 unauthorized transactions made while I was XXXX  I provided documentation that I was in XXXX from XX/XX/year> - XX/XX/year> and that my cashapp debit card was in my property at the XXXX along with my cell phone making it very clear I did not make these transactions. I was refunded on 2 of the 10 unauthorized transactions and denied on the remaining 8 because I didn't provide proof of identification in a timely manner due to cashapp treating every unauthorized transaction separately and making it very difficult & time consuming to provide all the information requested from me and unnecessary due to the fact that I had already sent proof of identity to cashapp twice previously. I was refunded {$94.00} from 2 of the disputed transactions from the total of {$380.00} leaving a remaining {$290.00} still pending and denied being refunded for the above reasons. 
The 2nd dispute was filed on XX/XX/year> for the remaining 8 unauthorized transactions to which I was denied for unspecified reasons. I had been talking to customer support all throughout the time I filed the first dispute because of how long it was taking because to me it was simply a miscommunication but i was given unsatisfactory answers. I had already been refunded for 2 of the transactions so I figured that once I regained communication and sent in all the supporting documents they would refund me the {$290.00} with no hesitation but I was denied again for unspecified reasons. 
On XX/XX/year> I was sent an email with the supposed reason for my denial but there was nothing stating why I was denied. It was just a copy of the 8 unauthorized transactions remaining and stated they reviewed my account information and due to that I was denied. 
I have numerous amounts of emails and customer support chats saved of all of the times I communicated with cashapp employees trying to resolve this situation and just being bounced from person to person with no clear answers to why they denied my dispute & the refund of my {$290.00}. 
Cashapp is a very deceptive company that provides the lowest level of customer service I have ever encountered. I can not of made it more clear about my identity and that I did not make the transactions being disputed. Furthermore I was refunded {$94.00} for 2 of the unauthorized transactions which proves that they know that the transactions were unauthorized but are refusing to reimburse me the remaining amount. I have never been treated so unfairly and felt so unheard in my 37 years on this planet! Cashapp is a worthless company that should never be trusted with anyone 's finances.
Product: Vehicle loan or lease

I am writing because I wrote a while back that this company was trying to charge me an additional XXXX on a loan that was supposed to be over in XX/XX/XXXX of this year. I over paid in XX/XX/XXXX by XXXX so that I would have a break from payments. I recieved a bill saying I owed for XX/XX/XXXX. I should not owe again until XX/XX/XXXX because I made a over payment. I paid XXXX in XX/XX/XXXX. Now in the new bill this company is saying I owe an additional XXXX +XXXX. They claimed that I agreed to 28 % interest plus the finance charge of over XXXX. Even if that was the case there is no way that from XX/XX/XXXX to now I accrued XXXX in interest. There is no way interest jumped up that high. My original loan terms was that it would be over in XX/XX/2020. Instead of the XXXX for the car that I was told I was to pay ... now I would have paid over XXXX dollars for a XXXX car. The dealer that sold me the car said the paperwork was damaged in a flood.this company really needs to be investigated for their fraudulent billing practices. At this rate I will never get through paying off the loan because the interest is jumping up by the hundreds.
Product: Mortgage

loan  XXXX  I have attempted to get a loan mod with Ocwen so many times.   Have spoken with them numerous times There 's been no sign of a foreclosure Last week I was told that there was a sale date and I did n't no anything about it It was set for  XXXX  Supposedly its on hold now but not trusted so Could easily lose my investment with Ocwen and my home Would be horrible since I am recovering from a car accident and receiving  XXXX  There is a problem with the promissory note on my loan ; it has strange verbage that Ocwen will not acknowledge
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting Dept. of Education/XXXX XXXXo Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with XXXX, XXXX, and TransUnion concerning the Department of EducationXXXX XXXX Specifically, the reports erroneously list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. 

Below are the details of the discrepancies : XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
TransUnion : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the U.S. District Court for the District of Nebraska, alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute several hard inquiries on my credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with my explicit consent should appear on my credit history.

Below is a list of the disputed inquiries : 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 XXXXXX/XX/XXXX I kindly request an investigation into these inquiries. If they can not be verified as authorized by me, I request their immediate removal from my credit report.
Product: Mortgage

My mortgage was sold to Rushmore Loan Management Services, in early 2018. Since then Rushmore has not paid any insurance which they hold escrow for. In XXXX my homeowner insurance was cancelled until threats were made that if not paid further action would include legal action for non renewal increase of over {$2000.00}. Now as of XX/XX/2018 my Federal Flood insurance has expired due to non payment, this too is escrowed by Rushmore, and Flood Insurance is required by FHA. Rushmore has been sent via FAX and USPS notices dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018. These notices were sent by my agent and carrier Assurant ( XXXX XXXX ) for XXXX. In addition my agent called Rushmore three times to try to expedite. 

Rushmore loan number XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Help please. 
XXXX Property is located in XXXX VA
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY NAME AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Product: Credit reporting or other personal consumer reports

I filed a dispute, report number XXXX via Experian XXXX and WOW company was the original creditor. I filed this dispute due to the collection not being mine and having no knowledge of the account. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house, car, etc. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with GE Retail Bank ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against GE Retail Bank ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us  here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my Lowe 's and my HH Gregg remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but GE Retail failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of  consumers GE Retail ( XXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as GE Retail is up to it's old tricks. The accounts have reappeared as XXXX XXXX and Synchrony Lowe 's. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop GE Retail Bank ( XXXX XXXX ). My family and I only have our credit which has been ruined by GE Retail refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that GE is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that GE Retail is following through on the Court Order?
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX ============================= 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE CHARGEOFF WITH XXXX  ON MY CREDIT REPORT. DESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEM HAS NOT BEEN ADEQUATELY ( REMOVED ) RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EXPERIAN 'S ARBITRATION AGREEMENT.

I AM AWARE THAT UNDER EXPERIAN 'S ARBITRATION AGREEMENT, EXPERIAN IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING EXPERIAN WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER.

IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE XXXX XXXX XXXX ( XXXX ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EXPERIAN PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE.

I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EXPERIAN WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION.

FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD EXPERIAN DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EXPERIAN 'S ARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISSTRESS AND OTHER DAMAGES RESULTING OF INACCURACY OF MY CREDIT FILE.

I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY.

PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call capital one to inquire regarding the credit cards I also told the agent that I will call back at a later date once Ive made a decision on whether or not I was going to apply for the credit cards five minutes after I hung up the phone I got a notification saying that capital one had made an inquiry regarding my credit which I did not give them permission to do I immediately called them back and told them of the issue they had me to send him a letter with my information and information for my credit report and that was in XXXX on the first XXXX  as of today XX/XX/2022 I have still not gotten anything done I am continuously calling them as well as the credit bureaus and has still not been removed from my credit report Im basically getting the runaround from capital one and they are very unprofessional So I was told by the creditors to file a complaint with them because they are not willing to help with this situation even though I immediately informed them of what was going on and I have taken all the steps that theyve asked me to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

On XX/XX/XXXX, a new collections account was report to XXXX  and XXXX  by Enhanced Recovery Company ( ERC ) showing a delinquent amount of {$640.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and have never had any accounts with XXXX in my name. The date ERC is reporting the account to have been open is XX/XX/XXXX. However, XXXX  has disclosed that the item reported indicates the account was opened in XXXX. From XX/XX/XXXX - XX/XX/XXXX we had an account with XXXX XXXX ( now XXXX ), which was I my husbands name. We moved to Florida in XX/XX/XXXX and now have an account with XXXX. Therefore, no such account with XXXX could have been opened in my name during XXXX. 
I have never received a bill or any other written communication pertaining to this account and was very surprised to see it mysteriously show up on my credit at the same time that Im in the process of obtaining a new home loan. This derogatory mark on my credit could result in the loan being denied. 
I have not contacted ERC, as they have not initiated any sort of communication with me. ERC is known for their unethical collections practices and for violations of the Fair Credit Reporting Act. I feel they have placed this erroneous debt on my credit and will not remove it, regardless of whether or not I pay then in full. They have essentially hijacked my credit unjustly just as I am in the process of getting an FHA home loan.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies ( Equifax ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX refuses to remove this incorrect information from my social security number because that name is not my name. I have tried to do this 3 times already. I have sent a XXXXolor copy of my social security number, my driver 's license, and a copy of my passport. It refuses to correct my name. Everything that is incorrect under my social security number is because it is selling false information about me. It knows full well what the law says in these types of cases. I warn you that I will take a court order for you to be prepared to present all the evidence you have and all the evidence that I have sent to them. Thank you. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX, yet it is still reporting. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that XXXX and TransUnion follow suit.
Product: Student loan

They were not willing to look at my solely income to come up with a flexible payment instead they are using my co-signers income to base my monthly payment which they should only use mine. The representative was rude with me and my co-signer as well. As well as the representative told me that I only had one option. This is jeopardize my financial stability. It appears Sallie Mae is trying to set graduates from school with failure, that is how it appeared with service from representative. My monthly income is XXXX not including my daily living such as rent, car insurance and daily necessities and still is causing XXXX XXXX. The representative only said it was going to last 12 months.