23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX 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

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with US Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Product: Credit card or prepaid card

on XX/XX/21 I bought a gift card from Kohl for {$100.00}, and then I bought one for {$400.00} on XXXX received a letter from Kohls datedXXXX asking me to confirm that I made these purchases, which I did.Then for some reason the cards were canceled and the {$100.00} and {$400.00}. charge is still on my Kohls credit card.I tried tocorrect this at a Kohls store on XX/XX/21 and was told that the charges would be removed in a week. It has been XXXX weeks and that has not happened I have tried numerous times to correct this by phone and have gotten no placeOn XX/XX/21 wrote a letter to the corporate office asking for help but they choose not to reply.I have never ever had so much trouble with any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXX Account number : XXXX - IDENTITY THEFT 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

Proper validation of debt was never received. I sent out dispute letters regarding proof of authorizing a debt to be reported on my credit report on XX/XX/year> via certified mail. It has been past the required amount of time for reinvestigation and there has still been no update regarding validity of the inaccurate accounts on my credit report. These companies have failed to comply and are violating my consumer rights. The inaccurate accounts that should be removed from my credit profile consist of the following. 

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 Since it has been past 30 days and they can not prove that gave permission to report this account on my profile, nor that I owe this debt, it is a violation of my rights and it should be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX  ). 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, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent collections account appeared on my credit report about two months ago. After a month, I had it successfully removed. When first encumbering my account, this fraudulent and in-no-way representative collections account droppped my credit score over 100 points by itself. When it was removed a month later, one would expect that a fraudulent account that had literal no relevance to my consumer activities or reality in general because it never existed and should be treated as such, would be followed up after its removal by an equivalent value by which it decreased your score returning to it. This is simple logic, if a certain factor is introduced that deducts 50 points away from someones measure of performance in some hypothetical area, and that factor never belonged there to begin with, is found as fraudulent and removed, any reasonable person and any acceptable interpretation of the Fair Credit Reporting Act, particularly if brought before a judge ( I am a XXXX and plan to do this if nobody else takes action about the absurdity of this ) would say that fair representation by credit reporting would mean placing the injured party into the position they would have been in and had enjoyed prior to the legal wrong, in this case a fraudulent collections account. There is nothing that can be said as to any logical merit or justifying considerations that would remotely help this clear aberration in proper methodological practice for credit reporting pass muster under any review as to whether or not such a formula is consistent with the objectives and purposes set forth in the Fair Credit Reporting Act, not to mention whether it unjustly deprives an Individual of repetitional benefits previously enjoyed before hte wrongful portrayal of credit, or whether it amounts to defamation or slander to purposely know that the information being reported isnt accurate nor based on a methodology supported by common sense let alone logic or scholarly research and whatever else.
Product: Debt collection

I moved from Illinois to Florida in XXXX. This agency leaves voice messages daily that I owe the state of Illinois money. I called Illinois department of revenue and they said I do not owe a debt. I mailed a cease and desist letter over 30 days ago, but they continue to call daily. I provided them my mailing address for any correspondence.
Product: Credit card

I was a passenger on the XXXX XXXX XXXX. While on this cruise, I became sick and contracted XXXX and was required to obtain medical care. The cruise line did not submit their billing to my health insurance company nor to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I purchased at the same time as my original ticket purchase. Instead, they improperly billed my Chase Plus United Visa Card which I had utilized earlier to pay for the cruise. My credit card had a {$12000.00} credit limit, which already had a balance of {$12000.00}. On XX/XX/24, XXXX submitted a charge to my card of {$12000.00} which Chase should have denied because my card was already max 'd out and only had a {$12000.00} credit limit. The bill submitted by the XXXX XXXX XXXX was not authorized by me and should have been rejected by Chase. Instead, Chase went over my credit limit and paid the additional {$12000.00} charge without my prior approval. They are not billing me for charges I did not authorize, and for extending my credit line without my prior authorization or knowledge.
Product: Debt collection

In XXXX, XXXX, I purchased solar panels for my home through a company called XXXX XXXX '. They offered, and I accepted a time payment plan from a 2nd party company named " Solar Mosaic '' @ a 1.49 % interest rate. The system was installed on my home and payments to Mosaic began XX/XX/XXXX, XXXX.Mosaic takes the payments directly out of my checking account. This was a condition of the loan. 
So, on XX/XX/XXXX the payment for XXXX had been taken from my checking account, as agreed. The payment for XXXX, XXXX, was not due and payable. 
( This is where my complaint begins ) On XX/XX/XXXX, I paid an additional {$500.00} to principal on the loan - as to reduce the balance. The Mosaic Company credited my account with ( {$490.00} ) and charged me interest of ( {$5.00} ). I contacted them and was told, in order for the amount of money paid over and above the regular monthly payment, the additional amount had to be paid along with the owed amount. Well, since the company Mosaic takes the money directly out of my checking account, there is NO WAY to accomplish this. I pay down that loan when I have the extra funds to do so. Is it legitimate for Mosaic to remove interest money from additional money I pay towards the principal on the loan? I think not. 
The way they have it figured, every nickel i pay on my loan has an interest charge tacked onto it. Again : The Mosaic company removes the monthly payment directly from my checking account. If I elect to pay an additional amount, they charge interest on the additional amount. I can not submit extra money to be applied to principal without them removing interest because they remove the monthly payment money directly from my checking account. Their records that are the basis of this complaint are listed below. 
amount principal interest XX/XX/XXXX Payment ( {$97.00} ) ( {$64.00} ) ( {$33.00} ) XXXX ( Additional ) Payment ( {$500.00} ) ( {$490.00} ) ( {$5.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these medical collections account with all 3 credit bureaus, XXXX, XXXX and XXXX, after their investigation XXXX and XXXX deleted this account and found that it wasn't verifiable account # XXXX from Company Aargon Collection Agency XXXX but XXXX found it to be verified and other lies the problem, how did XXXX verify this account without breaking the HIPPA law and my rights, I demand another investigation on what methods and documents and person did Aargon Collection Agency use to verify this account, and if they violated my HIPPA rights to obtain my medical records without my written consent and prove that this account belongs to me, and all balances, dates, are 100 % correct and my name and address and phone number XXXX is correct according to the Identification documents I attached to this complaint or I will take legal action against all parties involved, Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information being reported across all three bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I filed bankruptcy in XX/XX/XXXX and reaffirmed my home with XXXX XXXX XXXX On Behalf Of Lakeview Loan Servicing , LLC. We just found out that they never updated their system to show the bankruptcy as reaffirmed, they removed the FHA status from the loan in their system. We found this out through the mortgage company that we applied through and was approved for an FHA loan to buy a new home. After spending multiple hours on the phone with them, requesting a payoff that I never received, due to them selling our loan to XXXX XXXX XXXX, as well as with our mortgage officer, who is a HUD underwriter. He informed us the HUD system does not show as as having an FHA loan even though I have a Mortgage paper that says we do. This " oversight '' on Lakeview 's part has placed a hold on our purchasing a new home. They can not /will not help us because they sold our loan to XXXX XXXX XXXX who has not communicated to us at all that they are our new servicer. We have no loan number, only the phone number and address that came to us from Lakeview on the transfer of service notice. We have tried on multiple occasions before the time of XXXX Est to reach this company and the office is always closed, although the IVR states the office hours are from XXXX EST. 
Today XX/XX/XXXX, at approximately XXXX XXXX, I requested that Lakeview try to reach out to them and the agent told me she got the same message that they were closed. I want this fixed so we can purchase our new home. I honestly feel they have committed fraud by the actions they have taken. Our loan was sold just shortly after I started asking for a payoff, requesting documentation and after I made 2 payments trying to come out of forbearance. I was also informed by the new mortgage agent that he was able to verify Lakeview had archived the loan as if it had not had any activity in 24 months. 
This is untrue because up until XX/XX/XXXX we were making payments, put the account in Forbearance, extended the forbearance until XX/XX/XXXX, only to find out they extended it another month without our knowledge or consent, and my wife made 2 payments. One at the end of XX/XX/XXXX and one XX/XX/XXXX. All of this constitutes activity on the account with the 24 month time frame in which they say no activity happened. We were also informed by the mortgage agent he shows there are prepayment penalties on this FHA loan. 
I have attached documentation below referencing the FHA Case # on the note, mortgage and modification in addition to the payment history for the past 24 months. I have also included the Notice of Transfer from Lakeview that includes their address and phone as well as XXXX XXXX XXXX 's contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Experian and XXXX  I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for XXXX XXXX purchased by a debt collector that I paid it was removed but now XXXX says I have another for the same amount but through XXXX XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX  from a XXXX to XXXX but Experian and XXXX  are still sitting at XXXX and XXXX and I paid collections in all 3 I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from Experian and XXXX. I would appreciate anything you can do for me. 
Thanks XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I received a text message from Cittizens One Credit regarding a Fraud Alert for my credit card asking me if I had attempted to charge XXXX at XXXX. I responded no and received a phone call from Card Security within 5 minutes informing me that multiple charges were made on my account that prompted a fraud alert. I had not used the card for any of the charges on that date. Some of the charges were on the internet and others were in XXXX. Florida. As I told Security I was in XXXX XXXX, North Carolina where I had been since the end of XXXX. Security stated that they would close the account and send a new card. I requested that it be sent to my North Carolina address in addition to an affidavit regarding the fraudulent charges. I received a new card that had been forwarded from my Florida address in about 3weeks. I did not receive any other documents and called security several times and was told that an investigator would contact me. On XX/XX/XXXX I received a letter that the investigation was complete and that I was responsible for XXXX XXXX charges. I called the number on the letter and it kept dropping my call. I used the main number to contact security who informed me that no one was at that number and they could not directly contact an investigator  and had to forward a message. I asked how they could conduct an investigation without speaking to me and was told that a POS was used on the charges in Florida. I said I have the card in my possession in North Carolina. Security said they would leave a message for an investigator to call me in their system. To this day I have never received a call. I sent a written dispute of charges on11/30/20. On XX/XX/XXXX I received a letter that I was responsible for {$8100.00} by XX/XX/XXXX because the card was present and inserted in a POS. They suggested that I contact the merchant in Florida. As I have previously stated I was in North Carolina from the end of XXXX until the beginning of XXXX. The card that was delivered to me never left my possession. I have included copies of credit card statements with charges I made in North Carolina on XX/XX/XXXX in XXXX, North Carolina and XXXX XXXX, North Carolina at several businesses. Please help me resolve this distressing situation. I have always paid my bills and would never charge this amount on my card. I have no need for auto parts as I drive a new car. I have an excellent credit score and would never make a fraudulent charge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.