23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Debt collection

Calling at work XXXX  me for an alleged debt. XXXX
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORP {$6900.00} I was only a co-signer on this loan for my ex girlfriend. After we broke up she said shell make sure to take care of the payments and that was fine, a few months later I saw the report on my credit report saying the car was repossessed and due to natural disaster flooding. I followed up with creditors and they couldnt fine anything to update me on but that what they knew the car was in XXXX TX and because of the hurricane that happen maybe that was the cause. I asked why wasnt I called about this or missed payments and was told they was reaching out to XXXX XXXX with no response, and I asked why wasnt I reached out about this before hand they couldnt tell me. I explained to them I was only the co-signer on the car and had never driven the car and I also didnt know it was in XXXX TX when at the time when I sign for the car it was in New Jersey and I had no knowledge of the car leaving the state and I shouldnt be reliable to this. They still couldnt tell me what happen to the car but on my report it was listed as a repo and cause natural disaster so I assumed the car was damaged in the hurricane and they are trying to collect money and also I was not contacted about this and had no knowledge of this until I saw my credit report. I tried reaching out to her and no answer and have no ways of reaching her.
Product: Mortgage

My mortgage was sold to a new company that uses a servicing company called Shellpoint Mortgage Servicing. I tried to call them to get details for paying my payment. I tried every option but all ask for my ten digit phone number on file. I tried every phone number that I have had for the last 30 years. It will not let you speak to someone without the correct phone number. I mortgage payment is due in less than fifteen days and I am not sure where to send the payment.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding multiple unauthorized and fraudulent credit inquiries that remain on my credit report with Experian. These inquiries were added without my consent or authorization and are a clear violation of my rights. Despite my previous disputes and notifications to Experian regarding these fraudulent inquiries, they have not been removed from my report. This lack of action is unacceptable and continues to negatively impact my credit score and financial standing, adding unnecessary stress and concern over the misuse of my identity..
Product: Checking or savings account

There was a fraud charge on my account on the XXXX of XXXX for {$410.00} and I filed a claim and the bank denied my claim when I was actually robbed for {$410.00} on my card I dont know what to do because I dont have that kind of money to lose the banks are completely useless
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting you this CFPB complaint to request to you to remove the fraudulent accounts and information you report on my Credit File. I beilive I am a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and Information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/2018 received an alert on my XXXX Credit Report that alarmed me that I have a collection account from a collection firm name Credit Management LP concerning a unpaid bill from XXXX XXXX XXXX for {$280.00}. in which I have never in my life had any service from XXXX XXXX nor requested any service. This collection company have not made any prior or previous Collection attempts to allow me to dispute these charges and have reported a negative information to the credit bureaus of which is now damaging my credit report. This account is clearly not mine and I don't know how they have gotten my Social Security number or obtained my Identity information. The account number in question is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I disputed the payment information on my XXXX account, it was not showing paid in full months after it was paid. 
The account was deleted. 
Report Number Date Generated XXXX XX/XX/XXXX I followed up with CFPB XX/XX/XXXX in regards to this account back in XXXX. Then they deleted my second account with XXXX XXXX. It was deleted by choice not chance it seems. 
Report Number Date Generated XXXX XXXX XXXX, XXXX
Product: Checking or savings account

To Whom it May Concern, I am writing to request the careful review and reopening of my previous complaint ( XXXX ) regarding Discover Bank. Despite their response, I remain concerned that the core issues I raised were not adequately addressed. 

My primary concern pertains to the lack of a secure e-mail method for ID verification, a critical issue impacting both accessibility and security, particularly during the ongoing challenges posed by the XXXX pandemic. Moreover, I wish to bring to your attention the potential breach of XXXX XXXX, assuming that XXXX regulations should indeed apply to processes that determine the ease of conducting business online. 

In their response, Discover Bank predominantly focused on apologizing for long hold times and providing documentation regarding the account freeze. However, these actions divert attention away from the central issue of accessibility and security, thus failing to provide a meaningful resolution to my complaint. 

Therefore, I respectfully request that my case be reopened for thorough scrutiny, with specific attention to addressing the unresolved concerns regarding the lack of a secure e-mail method for ID verification. It is important to me that the assigned representative ensures that my original complaint is comprehensively addressed and that appropriate measures are taken, or have been taken, by the bank to rectify the identified issues. 

Your careful attention to this matter is greatly appreciated. 

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

I am writing to formally complain about XXXX XXXX 's violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been compromised through their actions, and I seek your assistance in addressing these issues. 


I have experienced aggressive and misleading practices from XXXX XXXX regarding collecting my debt. Specifically, I have received repeated calls and emails requesting payment without being provided with proper validation of the debt. According to the FDCPA, I am entitled to receive written verification of the debt upon request. I have made multiple requests for this information, but XXXX XXXX failed to respond adequately, violating my rights under the FDCPA. 

Additionally, I have faced difficulties accessing my account history and monthly statements. Despite my requests, XXXX XXXX has denied me access to this information, which is critical for verifying my account status and managing my financial obligations. Under the FCRA, consumers have the right to access their credit information and account history, and XXXX XXXX 's failure to provide this information clearly violates this law. 


I have attempted to obtain my monthly statements from XXXX XXXX to review my account activity and ensure the accuracy of my charges. However, I have been unable to access my account history online or through customer service representatives. This lack of transparency is frustrating and obstructs my ability to manage my finances effectively. 

Given these violations, I request that the CFPB investigate XXXX XXXX 's practices and take appropriate action to ensure compliance with the FDCPA and FCRA. Furthermore, I urge XXXX XXXX to provide me with the necessary documentation regarding my account, including all monthly statements and any validation of the debt they claim I owe.
Product: Debt collection

I recently received a copy of my credit report and I noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, as they are hindering my ability to obtain credit. I do not recognize nor did I authorize these accounts.
Product: Debt collection

ON XX/XX/12 I sent a dispute to the reporting agencies and all have come back as verified. 
On XXXX I sent a Method of verification letter to the reporting agencies and didn't get any response from any of the reporting agencies. Then we received a letter from a law firm stating that we needed to respond to the court case. We sent our response to the court and refused the debt. I have not received a court response yet but we did received a letter from the lawyer saying she wanted to settle the debt.
Product: Consumer Loan

Incorrect payment information. Use coupon book provided to pay XXXX payments at {$130.00} beginning XX/XX/XXXX and XXXX payment at {$130.00} due XX/XX/XXXX. Received email stating I owe XX/XX/XXXX payment which was paid XX/XX/XXXX. Called went over every payment from # XXXX due XX/XX/XXXX to last payment made # XXXX on XX/XX/XXXX with no resolve. Have all my cancelled checks for proof.
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 & deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent my dispute a months ago. but untill now thw following accounts and inquries still on my report. I try several times to fixed this issues on my report please make an action delete them all now. i file my ftc complaint and attach it here for proof of frauduent Please delete the following items on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I opened a secured capital one card in 2018. I put in {$500.00} to secure a {$500.00} limit on their card. We were told that as long as the account was kept in good standing, we could request to have it turned into a unsecured capital one card if it wasnt automatically done in 6-12 months. Its been 3 years. Not only has it never been changed to an unsecured card, but theyve never increased the limit. Since we opened this card, we got another capital one unsecured card as well as other unsecured cards. So after 3 years, I called & talked to 4 people. 2 reg customer service & 2 senior supervisors who not only couldnt help, but had no more info that general account balance, payment info, etc. that you can get on the app. They also said there was no higher supervisor. In the end I wasnt given any info on how to upgrade my account to an unsecured, why it hasnt become an unsecured or anything really on that. In fact, they wanted me to fax my card terms & info sent from 2018.
Product: Checking or savings account

HSBC is dragging this out rather than just close the account, I did not see any way to update my previous complaint in which the bank refuses to close the account, now they are trying to charge me maintenance fees for an account they refuse to close. 
I have no access to the account and do not want it. 
I signed up for a promotion they offered, and they did not live up to the promotion, their representatives kept adding conditions that were not disclosed, and then telling me I did n't have the 'right ' kind of account in the first place. 
So the promotion was a fraud, I want nothing more to do with them, and their sham of a response 'needing more time ' is just their effort to drag this out and try to collect fees that I do not owe them since the account should have been closed.
Product: Credit card

I opened a credit card for use as an everyday card for my new small business. Chase sent me a letter, saying I need to provide more information. I never received this letter, because Chase erroneously excluded the PMB number from the address. I didn't learn of the issue until my card declined. Once my card declined, I immediately called Chase. Chase said my account has been suspended, until I can provide more information. I asked what information they need, so I could send it immediately, and Chase said they could not tell me, I need to get a letter. Chase said they would resend the letter. I never received this letter either, so I called again. This person also refused to tell me what documentation I need to send in, so I hung up and called a third time. This person told me what documentation needed to be sent in, and I sent the documentation in on that same day. Chase decided that I took to long to send the documentation in, so they said my account is canceled, and that I have 30 days to use my rewards balance, which amounted to {$800.00}. I tried to use the rewards balance, but then Chase said that since my account has been closed for 30 days, I lost the rewards balance. In conclusion, Chase canceled my account without ever informing me of why. Chase continued to refuse to tell me what documentation was needed, until 30 days had gone by. Once 30 days had gone by, I had lost my rewards balance.
Product: Credit card or prepaid card

In XX/XX/XXXX, XXXX XXXX reported a late payment for the month on my credit report. For years, I have called them more than 5 times about the blemish. Late year in or around XX/XX/XXXX, I file a dispute with the credit bureaus to remove the incorrect late reporting for the second time. Up until this day, nothing has been successful. Today, it's still reporting as a late payment and there are negative remarks remaining on the account. As a final attempt, I called on XX/XX/XXXX and spoke to XXXX who stated that he'd file a dispute with the credit bureaus and request to have the remarks removed. I have no faith in his occurring seeing that I requested an internal investigation instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an mortgage with XXXX XXXX XXXX in XXXX they sold the mortgage to XXXX mortgage ( sometime during that time ) I sold my house in XXXX neither mortgage company reported my MORTGAGE payment history to the 3 major credit bureaus. 

This inaccurate & lack of reporting to the credit bureaus have caused me thousands of lost $ & hiked interest rates for my current house, car purchases, & current credit. 

This lack of reporting has caused me credit pain for years ( not able to buy a car or house that I wanted ). 

Resolve : I would like both companies to add & report the XXXX mortgage payment history to my credit report. This abuse of lack of CREDIT reporting is NOT ok! 

I am furious at this. This is the mortgage companies job to do the right thing. 

I just spent 49 minutes talking to your staff to report this, now Im on line doing this. 

I need help please Thank you
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XXXX XXXX 2016, i Checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help. no one will transfer me, no one will connect me to an XXXX representative or the fraud department. multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and i should simply file a complaint because they will not fix it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

SE TOYOTA FIN XXXX XXXX XXXX  XXXX Southeast Toyota Finance XXXX XXXX XXXX XXXX, AL XXXX Company violated laws 15 USC 1692c ( c ), 15 USC code 6802, 15 USC 1681b , and 18 USC 1028A . Information needs to be removed immediately.
Product: Debt collection

For the last 3 months ( XX/XX/2018-XX/XX/2018-XX/XX/2018 ) I have contacted XXXX XXXX XXXX about a two debts reporting on my credit report that I owe the amount of {$950.00} and {$610.00}. I have requested them to provide me with a copy of any viable evidence, bearing my signature in which they have failed to do. I'm enclosing the certified letter that were sent to them and the response letters I received from XXXX. Each time they have sent me the same letter just change the date not validating my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.
Product: Credit reporting

I need the following inquiries and bankruptcy deleted from Transunion credit report. Transunion customer service would not help and take care of the negative inquiries reporting to your credit report.
The inquiries are below: 
Creditor Name	    Inquiry Date	
 XXXX	   XX/XX/XXXX   
 XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
 XXXX	   XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	           XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX     XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX	     XX/XX/XXXX
XXXX	      XXXX
 XXXX    XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX   XX/XX/XXXX
 XXXX   XX/XX/XXXX
XXXX    XX/XX/XXXX
 XXXX   XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XXXX
 XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX

 Bankruptcy	XX/XX/XXXX	Discharged	$0