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

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that XXXX of my accounts are not reporting to my credit file at all. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are not updating or showing on my credit report, They are not showing on my XXXX XXXX, XXXX or Equifax.
Product: Credit reporting or other personal consumer reports

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies XXXX, TransUnion, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Product: Mortgage

We need your help with these servicing companies. RightPath Servicing LLC is now communicating to us that our loan is now serviced by another company by the name of Rushmore Servicing. 

Our loan number is XXXX. We have been current on our mortgage payments since 2018. I am a XXXX veteran and my wife XXXX is XXXX XXXX We need your help in finding ways to replace these servicing companies with abusive practices. 

The last time we checked with RightPath Servicing Company they gave us a payment balance of {$300000.00}. However, when we asked for a payoff amount they communicated to us that the payoff amount includes a {$100000.00}. This according to them makes our payoff amount over {$400000.00}. 

Please assist us in clarifying with the mortgage servicing company why this {$100000.00} is something we owe. Also, every year they change from one company to another. The last letter is attached herewith. Thank you in advance for your assistance.
Product: Debt collection

I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XX/XX/year> I placed two charges on my account. I entered the number on the website where the charge was being placed. I was never notified by the vendor or American Express ( the card I was using ) that the charge would be treated as a cash advance. 

Regardless, I pay my bill in full at the end of each month. I do not carry a balance since my American Express card is a charge card. In XXXX, I noticed American Express was charging me interest on the charge they treated as a cash advance in XXXX. This is despite the fact my balance was paid in full at the end of XXXX. I contacted them. They removed the interest rate and refunded me the monies. 

Then, it happened again in XXXX for the same charge that happened in XXXX. American Express was charging me interest. They have continued to charge me interest each month despite the fact my balance is paid in full at the end of each month and despite the deceptive way they characterized the charge as a " cash advance '' with XXXX notification. I did not receive cash as a result of this transaction. I charged an amount online so my family members could place bets for the XXXX  XXXX. I simply entered the numbers on my card, just like I do when I use the card for something at XXXX. 

My complaint surrounds the deceptive way they characterized the " cash advance '' without any notification to me. 

It also involves the monthly interest charges. Regardless of the characterization ( which I dispute ) even if it was a legitimate cash advance, I paid my balance in full at the end of the month. There should be no interest charge whatsoever. 

I've contacted American Express multiple times. I've asked for policies related to cash advances and notifications. I've asked for supervisors since it is concerning about how they are justifying an interest charge in this case. None of those actions have produced a remedy thus far.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the GAP insurance company still has not even paid the loan company the amount of my GAP insurance. Also, I never authorized for a XXXX XXXX XXXX XXXX account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either. 
XXXX AND TRANSUNION REMOVED THESE ACCOUNTS, BUT STILL DECIDED TO ADD THEM BACK.
Product: Debt collection

This account is fraudulent and XXXX XXXX XXXX XXXX. I know they retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. They are still with this trickery and foolery. 

I need to know what could be done to this company criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. That account is fraudulent. This is unacceptable and unenforceable, and this is an unscrupulous attempt by this company against me. They are only worrying about saving their brand, and not helping the consumer. 

My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were hell-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. This company has a strong dislike toward Veterans, and Gold Star Family Members. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this Gold Star Family member. Please? 

I am filing this complaint because they made a threat against me. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX XXXX XXXX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report. 

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I can present my deed to my house. I have contacted Fair Debt Collection Attorney this morning and I am waiting for a return call. 
However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia. I am resolved to the fact that XXXX XXXX XXXX XXXXn is a XXXX   and a gutless wonder! Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? 

XXXX XXXX I need your help to put an end to this harassment. They are too stubborn, and they are too crooked to satisfy consumers. They are too concerned about their brand at the expense of Veterans. This company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers,
Product: Money transfer, virtual currency, or money service

I requested a withdrawal to BLOCKFI, where I had interest accounts with them and I wanted to retire them. They confirmed that the transaction had been done, but the money never arrived, it was XXXX $ more or less. It was made on XXXX the XXXX, 2022. I've called them several times and only got excuses. I also got a wire ID number to trace it, but they are not giving me the answer to that neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I was forced to file bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX filed for a XXXX XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXX XXXX XXXX XXXX should have the bankruptcy filed.
Product: Credit card

In XXXX 2016 I went to the Citi website to apply for Citi XXXX Honors Rewards card and clicked on an offer that would provide XXXX or XXXX XXXX Honors Rewards points if I had {$2000.00} in charges in the first 3 months. Once my application was approved, and I logged into my account, I noticed that Citi changed the benefit to XXXX points for {$1000.00} in 1 month. I called customer service on numerous occasions and told them there had been a bait and switch. After weeks of a runaround, someone ( XXXX ) from Citi Executive Officer XXXX called to help with my issue. After a day of " looking into it, '' he got back to me and told me that the marketing department said there was no possible way that that initial offer that I clicked on was available in XX/XX/XXXX when I applied. I told him that it indeed was and I had clicked on it, on the Citi website, to apply. He said there 's nothing more he can do. The conversation ended. There are numerous websites indicating the offer was available when I applied. Some of them are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I would like the points that I was promised upon my initial application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for XXXX  and Experian. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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, credit repair services, or other personal consumer reports

Since XX/XX/2022 experian havent been able to show me my three scores. They have been charging me {$24.00} each month. I call the membership departmetn for the last year and all they do is esculate the ticket. still to this day I havent been able to see my scores. They have requested my XXXX and XXXX
Product: Credit reporting or other personal consumer reports

formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX Specifically , I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no national bank shall make a loan or discount on the security of the shares of its own capital stock. 

Under 12 U.S.C. 83, financial institutions are prohibited from securing loans or discounts using their own capital stock as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask XXXXXXXX XXXX XXXX XXXX XXXX XXXX to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported. 

I request that the Consumer Reporting Agency take the following steps to resolve this dispute : 1.Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83. 


2. Removal of Inaccurate Information : If the financial institution is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported. 

3. Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83. 

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements. 

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.
Product: Bank account or service

hello my name is XXXX XXXX recently i walked into my bank and requested to stop payment on my my bank account with wells fargo, the bank teller said she will close out my old account and open me another account and all of my reccuring payments to any company will stop since they will not have my new bank account number. wells fargo also sent me a letter saying i have to contact a list of companies if i would like for them to debit my account every month as they did on the old account. well i never called any company and disclosed them my new account number but somehow wells fargo let XXXX XXXX ach withdraw out my account for the sum of {$2300.00} even after i told them to put a stop payment on my account and the teller said she would close out my old account and open a new account to avoid the ach withdraw. i gave XXXX authorization to debit my old account but i didnt give them permission to debit my new account. this is totatlly violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of five. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX   XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was the dates. Hours between XXXX XXXX. Phone calls was made to creditors and XXXX.
Product: Debt collection

DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX no response from collection
Product: Debt collection

In XXXX of XXXX I startes receiving alot of solicitations from people knocking at my door including a salesman selling a XXXX XXXX cleaning I unfortunately took the bait and purchased him telling me if I hhave any issues I can return the vaccuum in less than a month later I attempted to because the vaccumm was not working. I tried no one called me back in regards to my issue.. I made several attempts. Now XXXX XXXX I was giving a summons for court stating these people are attempting to sue me for a faulty product that never worked that no one called me about and Im finding out its not just me several people are going thru the same thing. Faulty product was giving and this company is trying to swindle money from me to pay. Without any form of written communication before today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please see attached - I was a victim of identity theft and fraud - and need my report fixed as soon as possible.
Product: Credit reporting

I disputed XXXX accounts on my credit report. I received notification that the investigations were complete but the accounts still remained on my credit reports even though they should have been deleted or updated. In my opinion, There was no investigation done at all. 1. ) The XXXX XXXX ... .account was not updated at all. I have a 60 day late payment back in XXXX XXXX but I never had a late payment. The XXXX XXXX and the XXXX XXXX payment data was fine so how could I have a 60 days late in XXXX? This account was NEVER late. 2. ) XXXX XXXX XXXX XXXX ... should be deleted from my report. I do not owe XXXX any balance. Experian says that they investigated it but it had not been updated since XXXX XXXX. This is a violation of the FCRA. 3. ) XXXX XXXX XXXX XXXX ... This account should be deleted from my report. My account with XXXX had been closed and I do not owe any balance.This is a violation of the FCRA 4. ) XXXX {$140.00} ... This should be deleted from my report. The status had not been updated since XXXX XXXX. This balance was paid years ago and it is such an insignificant amount. It needs to be deleted. This is just harassment!
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: Checking or savings account

I am writing to file a complaint again Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizes, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 public records that were appearing on my Experian credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. Experian originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several Experian dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, Experian is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX District of TN is incorrect, the case number is not a valid case number and Experian sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County Bankruptcy Clerk here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that Experian sends as a part of my re investigations, because they have used illegal practices. Please require Experian to remove the bankruptcies immediately.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX