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

This account was charged off on following date : XXXX XXXX Since date of last avtivity has been inconsinstanly updated the last active XX/XX/XXXX on Transunion, XXXX and XXXX, We can not say this account is 100 % accurate, it is demand inaccurate, and please delate this account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds with transactions were authorized, 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 settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 EFTA - Electronic Fund Transfer Act and regulation E.

These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax to unfreeze my account. They offered fax or mail to send documents to unfreeze my account. 

I faxed the number they provided XXXX XXXX XXXX XXXX, on XX/XX/XXXX, which included a copy of my drivers license, social security card, and a cover letter requesting my account to be unfrozen. I followed up on XX/XX/XXXX Or XXXX via phone call, and my documents had not been received or processed. I faxed again on XX/XX/XXXX to the same Number. 

I have received no notification via mail that my account is unfrozen. 

I called again today, XX/XX/XXXX, and was told my documents are not uploaded. 

At this point I have lost faith in faxing or mailing to equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate accounts are reporting on my credit 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
Product: Credit card or prepaid card

On XX/XX/2020, President Donald Trump declared a national emergency. I live in New York, and the number of cases in our state had already started to rise rapidly. I'm a high-risk individual who has XXXX, so I have been staying inside pursuant to Governor XXXXXXXX XXXX orders since XX/XX/XXXX. I'm an XXXX  who owns a XXXX XXXX, and I closed down my operations temporarily. I have not been able to afford to make payments on my credit cards. Both of my credit cards are with Chase. On XX/XX/XXXX, I first called Chase to ask if they could give me a forbearance on payments or a break on the interest rates charged. They told me they would call me back with more information. By XX/XX/XXXX, I had not heard from Chase. I called them, and they informed me they could do nothing for me. They wouldn't help with forbearance, or anything else, despite the fact that other credit card companies are providing forbearance to their consumers. We're in a time of national crisis and just passed a {$2.00} XXXX bill because our government knows how much we're struggling. I don't even know if I'll be able to feed myself next week, and yet can not get a simple forbearance from Chase on my credit card payments. This is outrageous, Chase must be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Mortgage

I XXXX XXXX XXXX, will be doing a complete restructure of my current debt obligations outside of any bankruptcy filing. There is little hope for me if I continue carrying my current debt obligations unless I negotiate and settle my affairs directly. My biggest debt is with my mortgage, and I believe that I can modify my mortgage and get a forbearance time period so that the additional pressing debt issues are settled and resolved. Accordingly, I am request a modification package be sent to me in my email and/or to my home directly. This modification request will be completed by XX/XX/2019.
Product: Debt collection

I have sent a letter off to the credit bureaus to have the item remove, these items which one was due in fraud and the other was reporting incorrectly. I have sent a copy of the fraud report and a letter to under law the credit bureau has 30 days to verify. Debt it now passes the 30 days allowed by the law I am asking XXXX  and Experian to remove XXXX XXXX  late payments off my credit for a violation of the FRCA. The XXXX card is a fraud account, I am attaching the letter mail of the XXXX  and Experian on XX/XX/2020, and it now XX/XX/2020. I have not received any response from these two agents.
Product: Credit card or prepaid card

Promotional transfer offered is not as they state On XX/XX/XXXX I took advantage of OLLO Credit card promotional transfer and used the app to request {$500.00} to be sent to XXXX XXXX XXXX and then Ollo Credit card took the {$500.00} out of my card and charged me {$15.00} and to this day the transfer has never been sent. I called to check what was going on and the agent said it was on hold. I said then cancel it and place it back on my credit card on XX/XX/XXXX. nothing has happened so I called on XX/XX/XXXX and was told it would be 4 days and the {$500.00} plus the {$15.00} would be back on my card. nothing I have called Ollo customer service over 10 times to receive confirmation that I would get my money back on my account, but since they never sent it, I have closed my account. I will make my payments on what I owe but need the {$510.00} placed on the card. 

I have reported OLLO to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ollo Card closed by holder due to scam fraud of OLLO
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/ In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and Experian and Im only getting a reply that the information was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made a settlement on XX/XX/XXXX with collection agency LNVN funding. They agreed to delete off report after paying balance. The account still say open after its been settled. I dispute it on XXXX XXXX 4 times. Each time the status came back as verified accurate but there has been no change. I reached out to collection agency LNVN and they verified it was paid off and apologized and said they did not report it to the creditor XXXX XXXX when it was paid off initially. They said they will let them know and it will be removed. Its still showing up as open although its been paid and disputed. 

I attached photos of the payment being received and confirmed. A photo of my disputes to XXXX XXXX  and photo of the current status
Product: Debt collection

" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this. 
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!
Product: Credit reporting or other personal consumer reports

Dispute letters were sent on XX/XX/year> and no response from the companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the XXXX account ( Account Number : XXXX ) that appears on my credit report. This account is not mine and was opened as a result of identity theft. 

As supporting evidence, I am including the following documentation : 1. XXXX XXXX XXXX XXXX A letter from XXXX XXXX XXXX dated XX/XX/XXXX, confirms that the XXXX account , which is currently owned by XXXX XXXX XXXX XXXX was found to be fraudulent. As a result, the account has been closed, and a request to delete the tradeline from my credit report has been submitted to the credit bureaus. This letter serves as proof that the account was fraudulent and should be permanently removed from my credit report. 
2. FTC Identity Theft Report I have filed an FTC Identity Theft Affidavit ( FTC Report Number : XXXX ), detailing the fraudulent accounts, including the XXXX account . This report confirms that I am a victim of identity theft and supports the removal of these fraudulent accounts from my credit report. 
3. Identity Verification Documents I have included a copy of my California ID and Social Security card to verify my identity. 
XXXX. XXXX XXXX XXXX A document from XXXX XXXX, which bought the account from XXXX, stating that the account is fraudulent and should be removed from my credit report. 

In light of this evidence, I request that you immediately delete the XXXX account ( Account Number : XXXX ) from my credit report. This account was opened without my authorization, and its presence on my credit file is severely impacting my creditworthiness. 

Please confirm in writing that this account has been removed from my credit report. I appreciate your prompt attention to this matter. 

I will be including in this letter, these attachments XXXX. XXXX - Experian - XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. Social Security XXXX ( XXXX XXXX ) XXXX. XXXX - XXXX XXXX These files include documents related to your dispute with Experian, your identity verification ( California drivers license and Social Security card ), a letter from XXXX, and additional supporting documents. 

Thank you for your cooperation. 

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

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " 1STPROGRESSBANK '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute with trans union regarding XXXX XXXX at XXXX I co-signed a lease for my daughter the beginning of 2018. She was going to start XXXX University XX/XX/2018. I already paid an application fee which was not returned XXXX XXXX was unprofessional and disrespectful to myself snd my daughter They said they could not uphold the lease because my credit score was too low. That should have been determined before they allowed me to sign the lease The {$710.00} is in error because my daughter never moved in nor ever saw the apartment. XXXX XXXX Received another resident who moved in that same apartment and paid the rent they are billing me for something to receive double funds which is fraudulent. When I inquired about this the girls at the front desk said it was to move out her things which she never moved in or to clean up the place and again she never moved in They were incompetent and unprofessional, threatening that this would be on our credit report. I want this removed from our report
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in XXXX  shows as XXXX then in Experian it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to XXXX  and Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
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 1 5 USC 1681. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key XXXX, FL XXXX XXXX 2.Please remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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. 16818-2 ( 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: Payday loan, title loan, or personal loan

I applied for an installment loan to consolidate my personal debts. The banker changed my application by changing the requested amount from $ XXXX to $ XXXX and adding my husband as a co-borrower. I did not want to do that, but she stated it would be in my best interest and would save me money. WE were denied and now MY credit score has taken a hard hit. I qualified for the $ XXXX. My credit score was in the acceptable range and I have 100 % of on time payments for the last XXXX  years in addition to owning my own home with no mortgage payment. I have also been with the company for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a matter with Veros Credit from which I was loaning a car from them. My account has been closed since 2016. I had been receiving letters stating that they would be taking me to court about this matter in which I have also still be receiving harassing phone calls from them as well. I went and made a report onto the XXXX XXXX XXXX complaint website in which Veros responded and I did not agree. I would say maybe a week couldve been a few days or so Veros added negative remarks to my credit which caused my points to significantly drop. I have noticed that this is I fear retaliation because I have made the complaint I have proof that they have not been submitting or adding remarks or anything to my credit for some time so I feel all of a sudden I complain they have been going out and adding negative remarks to my credit. I contacted Veros and which I was basically told as long as they have my social and I have a account with them they are able to report and do whatever as they please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is  causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.
Product: Mortgage

On XX/XX/, I submitted an online request through Lending Tree to find the best rates for a VA interest rate reduction loan ( VA IRRL ). I have yet to receive this information. What actually has happened is, I have been inundated with 30 to 50 calls everyday this week from random lenders that I have never heard of. I am getting calls as early as XXXX hours and as late as XXXX hours. The calls are coming about every 20 to 30 minutes consistently. They are contacting me about a VA Cash-out refinance, or home equity loans with their mortgage company. I had to turn off the ringers on my home phone and my cell phone. I asked several of these lenders how they got my contact information? Each of them stated from Lending Tree. This is unacceptable. Lending Tree should not be able to sell my information to all of these unknown mortgage companies that are not even offering the mortgage product information I requested on their website. Now I am overwhelmed with calls from companies trying to sell me a product that I didn't ask for. Of course Lending Tree references the fine print on their page that the consumer agrees to be contacted by their partners. If they are contacting me it should actually be for the mortgage product I requested. None of the several companies I spoke with offered a VA IRRL. This practice should be illegal if it is not already.
Product: Debt collection

Ive including the police report with all the information I have pertaining to this situation. Ive sent a copy to all parties involed
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corporation ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and World Finance continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. World Finance has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with XXXX and it is still being reported by XXXX and has caused my credit rating to increase then decrease each time World Finance updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that World Finance is continuing to make entries on my credit report maliciously. I also feel that XXXX has not researched the debt correctly and has continuously allowed World Finance to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.