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

During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Assistance Needed for Delayed Western Union Transfer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I initiated a transfer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The portal indicated the funds would be available within XXXX to XXXX business day. A fee of USD XXXX was charged, and the transaction was assigned ID MTCN : XXXX XXXX XXXX. The funds were promptly withdrawn from my account. 

The following day, I received an email from Western Union requesting the beneficiary 's email and phone number to proceed with the transfer. I provided this information on XX/XX/XXXX. 

On XX/XX/XXXX, I called Western Union to inquire about the delay. I was informed that my case would be escalated for resolution. On XX/XX/XXXX, I followed up and was told the case had not been escalated as previously stated. The representative assured me that it would now be escalated and mentioned the beneficiary 's bank already had the funds. 

However, on XX/XX/XXXX, the beneficiary contacted their bank, which confirmed no transaction had been received from Western Union. I immediately called Western Union again and was informed that the location of the funds was unknown. A " Track '' request was initiated, which may take up to 20 days to resolve.

As of today, the funds have neither reached the beneficiary nor been refunded to me. I urgently need this money and would greatly appreciate any assistance in resolving this matter as quickly as possible.

Thank you for your attention and support. 

Best regards
Product: Credit reporting or other personal consumer reports

The late payments listed here do not match the way I normally handle my payments, so I would like my account to be updated with accurate details. Please correct the records right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), Has Violated My Rights. 

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
Product: Credit reporting or other personal consumer reports

I requested that companies remove unauthorized inquiries and they refused. 
XXXX XXXX XXXX XXXX XXXX XXXX American credit acce, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer Number : XXXX Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. Also per FCRA 605b and 15 usc1681 this company must remove these late payments from my consumer report.. XXXX XXXX  Account Number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/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 Account Number XXXX Balance {$13000.00} Date opened XX/XX/XXXX late payments XX/XX/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 Pursuant to FCRA 605B and 15 USC 1681C-two I demand that this account ( XXXX XXXX XXXX Account Number XXXX ) be removed within four business days as permitted by federal law The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report. credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ). Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender / Original Creditor Which is false misleading and illegal as I have ever done any business with XXXX XXXX XXXX
Product: Credit reporting

XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank you.
Product: Credit reporting or other personal consumer reports

These late payments don't align with my usual payment patterns and it's important that my accounts are fixed to show the right information.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , INC . ) due to a 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: Vehicle loan or lease

I purchased a XXXX Nissan XXXX XX/XX/XXXX from XXXX XXXX Nissan. The purchase price was a little over XXXX. As of today Ive paid XXXX in interest and XXXX in principle with a maturity date of XX/XX/XXXX for a monthly payment of XXXX. This should be an illegal practice to charge this much interest up front for any loan. I purchased the car under the impression I could trade it in after 9 months of I paid on time and my 18 % interest rate would be lowered drastically. When the time came I found out that wasnt true. NMAC then lowered my payment from XXXX to XXXX but extended my loan which I now see was another ploy to collect more interest. Now Ive paid XXXX k for a XXXX car that I can either return and take a XXXX loss or pay another XXXX to own. NMAC preys on people who may not know any better and at the time I didnt.
Product: Checking or savings account

On XX/XX/2021 it was discovered that 3 fraudulent charges were made to my debit card. I went to First Midwest Bank immediately after noticing them and got a new debit card. I was told they would review the 3 charges and return my money. On XX/XX/XXXX I was mailed a letter saying that one of the charges will not be returned for a total of {$77.00}. When I called customer service they said their is no appeal nothing I can do but call the company that the charge was made and fight with them. The company is XXXXXXXX XXXX XXXX. They can not give me any information because I do not know what phone number the charges were applied to. First Midwest will do nothing to assist in these charges or let me appeal.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE 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.

PLEASE SEE ATTACHED LETTERS.
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. 

Account name : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 proce 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 this violation.
Product: Mortgage

I have closed on four conventional mortgages over the last year. This is the first time I was baited to join a mortgage company, Bay Equity. The loan officer I used was XXXX XXXX, XXXX # XXXX. I emailed him to see if they could beat a rate and the loan officer had me first upload all my information and then emailed me an edited loan estimate. When I say he edited, I used his numbers on his loan estimate and totaled {$69000.00}. His total on his loan estimate form was {$65000.00}, which did not make any sense. I confronted him about the numbers because the loan origination fees were significantly higher than the competitor XXXX mortgage, but he gave me a .01 % better rate. He claimed this rate was enough to offset the numbers. He edited the document to try and deceive me. I asked him to explain how he got to these numbers, and he told me the math adds up. He never could justify the numbers. 

The reason I am making a written complaint is that if he tried to do this to me, I bet he has done it to other people. I doubt most people would catch this, as closing on a home loan can be burdensome. I uploaded his loan estimate so you can verify that if you add up all the numbers itll total XXXX and not XXXX which was on the loan estimate form.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove those accounts from report, they hurting my ability to obtain credit.
Product: Debt collection

I want some of my credit deleted i want to dispute alot of my old credit
Product: Debt collection

Under 15 U.S. Code 1679c, this collection was opened XXXX XXXX The credit bureau must remove, negative information from your report only if it is over XXXX XXXX XXXX.
Product: Student loan

I anticipated bill problems a number of years ago due to upcoming surgeries. It was suggested I " default '' on payments and seek forbearance after the surgeries/rehab. I did. I was under the impression it would not negatively affect my credit scores. It did affect my credit history negatively! ( XX/XX/XXXX and XX/XX/XXXX an the next year XX/XX/XXXX-XX/XX/XXXX ). 
I attended the University XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an issue with my credit report and the refusal of a credit bureau to delete certain charged-off debt items, despite the issuance of a 1099-C ( Cancellation of Debt ) under event codes 6 and 7.

The 1099-C issued included event code
s 6 and 7, which indicate that the creditor has canceled the debt and has reported it as such to the IRS. This cancellation should result in the removal of the associated charged-off debt from my credit report. 
However, despite this, they has refused to delete the charged-off item from my credit report. The debt remains as a negative item, continuing to impact my credit score.

I have attempted to resolve this matter by contacting them directly but they have refused to remove the item. 
I am requesting that the CFPB take the following actions : Investigate the refusal of the credit bureaus to delete the charged-off debt in question. 
Ensure that the credit bureau complies with reporting requirements concerning debts that have been canceled and are no longer owed, per IRS guidelines. 
Provide me with any necessary steps to escalate the matter if the credit bureau continues to refuse to remove the inaccurate information.
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. 

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 has violated my rights. 

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 or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove thin inaccurate information as you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect account opened through TransUnion marked as XXXX XXXX XXXX XXXX. It first reported to my credit on XX/XX/2022 and it states it is a rental agreement, however, I do not currently rent from anyone. I live with family. I called TransUnion but they did not do anything about the false reporting.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time frame. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable account below : XXXX XXXX XXXX Dismissed Date Filed/Reported : XX/XX/year> Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # XXXX
Product: Checking or savings account

Money was stolen XXXX times from my business Chase account, always Chase was refund the amount but the last time because i did dispute after 35 days they not giving me back an amount {$8100.00} Chase case Complain # XXXX Its not fair, i call them many times they told me to go police dept and make police report, I did but they not going to give me my money back because of 35 days limitation time. 
Unfortunately after few times money was stollen from my business ( XXXX ) account i stopped to use a chase account that why i did not see money was stollen in XX/XX/2021. I still can not believe it that banks not refund a money which was stolen, after XXXX time when money was stolen the chase asked me to change passwords, to get fresh antivirus XXXX program and i did everything they told me. 
This is a very serious i do not understand why US allows to do kind of policy for US banks after 35 days denied dispute,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called into XXXX at XXXX ( XXXX mins ) Spoke with supervisor " XXXX '' who informed me that when calling in there was still no update on the dispute submitted, however she would be able to handle my request for an update at that time. She placed me on hold to review the documents I mailed in, and when returning she informed me, she would be having the account removed based on the documentation I submitted over, and it would take XXXX hours to show on my credit profile. On XX/XX/XXXX I called in to request an update and was informed by supervisor " XXXX '' at XXXX ( duration XXXX ) that I was wrongly informed and there would be no honoring of the removal the previous supervisor had informed me would occur. I was then told that the dispute was closed out the same day XX/XX/XXXX with the account being verified as accurate. I requested a investigation of the call that was taken on XX/XX/XXXX so someone higher up could listen and honor what I was told, she provided me a complaint number ( # XXXX ) and I also requested she send the supervisor a message so that she is aware of what has occurred and can correct the error on XXXX side promptly. At XXXX XXXX confirmed she sent over a message to XXXX but could not transfer me to her at that time because she was unavailable. This collection account being removed earlier this year by XXXX, XXXX, AND XXXX proved this should have never been on my credit initially. Now only XXXX is the only company who is allowing this collection to be placed back onto my credit as double jeopardy for a lower amount when the facts were proven is illegal. [ The documents attached show a previous statement that was pursued and was ultimately removed from my credit, a screenshot of when the collection company contacted me in XXXX with the balance as shown, a revised statement that is falsely being pursued- the original creditor was not responsive when I contacted them along with when the collection company contacted them - the collection company falsely revised the statement for their own personal gain, a recording of the collection company is also attached and clearly confirms what I have indicated above. )
Product: Debt collection

Portfolio Recovery Services requested documentation of my dispute. I have requested and received documents from XXXX XXXX which are opposite of the documents that Portfolio Recovery Services have provided. 

The debt amount owed is not valid and not factual. XXXX has provided documents that has put in to question the accuracy and integrity of the account Portfolio Recovery continues to report on my credit report accurately. On XXXX that shows the account had a XXXX balance, Portfolio Recovery sent a document XXXX that shows a balance of XXXX. Which one is correct? 

XXXX also provided me with a letter that says that the account balance was {$540.00} on XXXX with a charge off date of XXXX and the last payment {$0.00} was made on XXXX but Portfolio continues to report a last payment of {$45.00}. How can this be? It's not 100 % factual as required by FCRA XXXX   mailed all its to XXXX XXXX XXXX XXXX Ohio XXXX but surprisingly Portfolio Recovery used an address of XXXX XXXX XXXX XXXX  XXXX GA XXXX on XX/XX/XXXX? Where did Portfolio Recovery get this address? This was not my address. I believe this document was altered becuase it does not shoe the same addresses but were sent in the same month- If Portfolio Recovery used electronic files purchased from XXXX why did they send this legal form to a different address? 

Neither XXXX or Portfolio Recovery has provided me with 100 percent actual and factual information as required by the FCRA and the discrepencies show that this account is not valid and should be removed from my credit file and sent back to XXXX XXXX. If these two companies do not have the same documentation then this information is not verifiable and should be removed