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

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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

The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX , NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my XXXX XXXX on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.
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 XXXX USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX violated my rights. 

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

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

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

I was charged on my XXXX account a {$4000.00} that was not mine and then a credit was given. A new charge was again done for the same amout and XXXX started calling to collect the momney. The account was sold to Asset Acceptance LLC. and they continuosly called me demanding payment for something I did not owe. I was sued by them and had to paid several attorneys with money I did not have. I had to close up my son 's Pre-paid college account and depleat the little savings I had in order to paid these attorneys. I finally had to pay Asset Acceptance LLC money I did not owe so they will not keep ruining my credit as they already had. I had paid between attorneys and bills I did not owe around {$12.00} dollars
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 the 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 opened a savings account with capital one to receive high interest and unfortunately I don't know what happened but when I do the math it isn't adding up.
Product: Mortgage

On XX/XX/year> I made my XXXX mortgage payment. Rushmore showed the payment increased by over {$200.00} because of an Escrow analysis showing taxes on my property had increased to over {$2000.00}. I explained to the Rushmore rep that tax increase was being disputed, as were the tax increases for all the properties in my neighborhood. Because of that dispute, the Rushmore rep said I could pay the previous payment ( {$460.00} ) which I did during that call and she would note the tax increase dispute for the properties in my area. She would also send me a form or information to submit in writing the tax dispute.On XX/XX/XXXX, I called to make my payment when I discovered the payment was again showing as {$200.00} more. I also received a letter asking in writing what the problem was with my mortgage payment. The Rushmore rep showed I had not made a payment since XXXX. I insisted that was incorrect, then the Rep suddenly " found '' my XXXX payment and said that was a partial payment. I explained to the Rushmore rep the tax dispute and that I was told I could make the regular {$460.00} payment, not as a " partial '' payment. When the rep couldn't accept my regular payment or count XXXX XXXX payment as a complete payment, I requested to speak with a supervisor. Eventually she agreed to transfer me. After speaking with another rep, I was finally passed to a supervisor in the Escrow department. XXXX took the time to investigate prior notes, and explore what was a possible solution. She requested the most recent Escrow analysis ( XX/XX/year> ) be removed by the Escrow department, taking my payment back to the regular amount of {$460.00}. She saw no reason her request would be denied. She also advised me NOT to make a payment at that time because it would just be folded into the XXXX payment as a completion of what they showed as a " partial '' payment. XXXX agreed to let me know when her request was accepted and I could make the payment for XXXX then. Having not heard from XXXX by today ( XX/XX/XXXX ), I called Rushmore. I can not get to a human to speak with. The automated system takes you in a circle asking for additional information in order to pass you to a representative, then taking you back to the beginning of requesting more information to speak to a rep. The system continues to show me as not having made a payment since XXXX! There is no acknowledgement in the automated system of any payment in XXXX. I want pay my mortgage but need to speak with a person to make sure my payments are counted correctly.
Product: Debt collection

This account from Springs Oaks Capital is not mines and they keep back and forth putting this collection item on and off my credit report. They are messing with my livelihood. Because this company keeps taking the collection item off and then putting it back on my credit report. Please stop them from doing so.
Product: Vehicle loan or lease

Toyota Financial claims the payment failed for out XXXX XXXX lease on XX/XX/year>. The payment was pending in our XXXX XXXX account, but we were not notified of the returned payment until XX/XX/XXXX via letter in the mail when they cancelled our recurring payments. 

No notes on why the transfer failed and our bank said there are no issues on their blocking us from paying. The transaction didn't clear and XXXX is claiming the payment is late and that there is now a {$45.00} fee because of the " late payment '' No notification was made to us the day it didn't " Clear '' but our portal shows it was paid and refunded. This should not have happened as there was over {$4000.00} in the account, the account information is correct in their portal, and there isn't a limit on how much can be withdrawn via XXXX.
Product: Credit card or prepaid card

I have been a custom er of Citibank for 29 years. I pay my balance in full every month. Citi o ccasionally sends me junk mail that I throw in the garbage. Apparently they sent blank checks to be used for a balance transfer. On  XXXX  some one signed my name to one of those checks and made it to himself ( or another individual ) for {$600.00}. Citi assessed a {$30.00} fee. I paid the {$630.00} because I 'm applying for a mortgage and I do n't want to show I have overdue charges. Since then I have called the bank 6 times and have asked for my money back. Every time they put me on hold for a while and then they say the money will be in my account in 2 working days, they will send an affidavit for me to sign, etc. It 's now been 5 weeks and nothing has happened. I asked them to cancel all other checks that were issued and not to send me any more. Someone did try to cash another check for {$300.00} but luckily it was n't accepted. I 'm appalled they treat me like  this. I 'm buying a new house and {$630.00} is significant. I do n't know how much longer they need to investigate, but they should give the money back in while they do that, or they should speed up the fraud investigation.
Product: Debt collection

XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX  visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX  ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.
Product: Student loan

I recently refinanced my parent plus direct loan with mohela sofi. The feds have dropped the rates temporarily to 0 % and required all servicers to comply. However mohela sofi is not honoring this for any private loans that were refinanced from a fed loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

I filed a claim with Bank of America Prepaid card services on XX/XX/2021. After sending in requested documents ( 2 forms or Identification ; police report ) and soeaking to multiple representives. My claim for the amount of XXXX was denied. The claim was originally denied XX/XX/2021. Since the date previously stated the claim has been reconsidered 3-4 times. The " investigation '' apparently founded that I am liable for the chages because the card that was issued to me was used for the transactions. I told the bank that I never recived that card. The information they had in my account as to where the card was to be sent was incorrect. I have never been assosicated to the address that they sent the card to. Also, there has been an arrest and conviction in regards to these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

a. invalidated debt, debt has been invalidated b. contract has been cancelled c. the length the collection has been on the credit report has been exceeded TransUnion and XXXX have added a collections account from XXXX XXXX XXXX to my consumer reports. This account does not belong to me and is causing adverse action while also defaming my character. Once again the consumer reporting agencies did not do their due diligence in exercising their grave responsibility in verifying anything before placing it on my reports. They were partial and unfair. They assumed a role which no one gave them permission. 
see attachment
Product: Debt collection

This is a more detailed accounting of event that I never asked for or authorized. I have been in the XXXX XXXX XXXX XXXX  until XXXX of 2019 and I have asked this collection agency of verification of the dept. It is not possible to prove a debt that is not mine and the State of Texas can prove my XXXX 
I get no response from the creditor or collection agency when trying to resolve this matter
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

My square account received an email from the square platform in XXXX! 

square is a company owned by Block , Inc . 

My account was deactivated by square, and my account funds will remain in square! But I will receive my account balance after XXXX  days of deactivation! 

Now my account has reached the release time! But square didn't release my funds! 

I contacted an internal member of square several times and he replied that he had upgraded the case internally and that his account service team would send me an email in XXXX days! 

I waited XXXX  years for my case to be resolved, and square 's account services team didn't send me any emails!
Product: Debt collection

I have been harassed daily by Portfolio Recovery about a debt I don't owe. This company also put the account on my public record, and its affecting my credit approvals and mortgage options. I want public record deleted.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXXXXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX XXXX Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX XXXX, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX, Personal Loans companies, XX/XX/XXXX, Equifax - XXXX XXXX, Credit Union, XX/XX/XXXX, XXXX - XXXX XXXXXXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXXXXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an account on my credit report thats fraudulent & is not my mine
Product: Credit reporting or other personal consumer reports

Car loan was payed off and still shows on my credit report as a repossession
Product: Money transfer, virtual currency, or money service

The company is Robinhood. I tried getting support on the app on XX/XX/XXXX because my phone was stolen and someone sold my stocks and made me a lose money. I requested a call back on the app and they called me and told me that they have to review my account. And then they end up making things worse for me instead of supporting me or trying to figure out the issue by restricting my account on XX/XX/XXXX. I wasnt able to open any new positions or withdraw my money to my bank or anything. And then XX/XX/XXXX, a banner on my account pops up saying We're closing your Robinhood account due to recent account activity. We'll notify you once we're done. And I received an email saying that theyre closing my account but nobody has once helped me with my issue. And it still has not been closed and I cant withdraw my money and I need that money for my bills. 

Case ID : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

The debt collecter used false statements to attempt to coerce a payment from me. The debt collection agency is called Associated Credit Services , Inc. XXXX XXXX XXXX XXXX, MA XXXX. On XX/XX/2024 I received a call at XXXX XXXX from the number XXXX. In this call, she was very rude an pushy and used manipulation tactics to try to scare me into paying right then without reviewing my options first. The most important thing to note is that she used a false statement. This was that she told me that because my medical bills had been in collections for so long ( they sent all the letters to the wrong address ) that it had bypassed the period for insurance coverage so I must pay her because it would not be covered. This was completely untrue and she said this to try to scam a payment from me. Following this phone call, I contacted my dentists billing office and my previous insurance provider and connected them to each other and they found out the issue with the claim and removed me from collections. I did not pay the collections office but I am aware that what she said to me was illegal and I intend to hold them responsible for that.
Product: Bank account or service

I had a credit card with Sychrony Bank. The card provided rebate rewards, payable onece per month. My card had a balance of over {$130.00} in rewards XX/XX/2014. The card was stolen, so I called the bank for a replacement card. I received the replacement card, but there was confusion on the phone call regarding a replacemnt card that the bank sent on another account ( I thought the card was for the account in question -- it was not ). 

At any rate, the bank cancelled my account, claiming that I had requested the account be closed, and refused to issue me the rewards balance. I complained about this treatment in four subsequent calls to the bank. They continue to claim I asked to close the account. I did not. The phone call was recorded, but the bank refuses to let me listen to the recording with them. I am 100 % sure that an honest review of the phone call will reveal that I never asked to close the account! I view their false claims and taking of my contractually promised {$130.00} as fraud and theft.
Product: Checking or savings account

I have been a customer with Wells Fargo on and off since 2012. Back in XXXX I got an email from reemployment assistance that my information was compromised in their system which included my name, dob, social and banking information. I went on my bank statements to check and see if there were any transactions that did not look correct. I noticed some cash app transactions and also XXXX payments to someone name " XXXX '' that I did not authorize. I then called Wells Fargo and thought I had disputed everything that I seen. I got the final judgment of my claim and all the debit card transactions where given back to me equaling also XXXX. I noticed that the XXXX transactions were not listed in the claim so I called and made a claim towards those. I waited 10 business days and contacted them and they told me my claim was denied because it seems to appear the transactions where made by me or someone I may know. That is insane that over 159 transactions were denied for no reason. My claim was equal to XXXX. This is unacceptable to just deny my claim for that amount of money like they do not even care.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX - Never Ever Applied for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX  XXXX XXXX of them has done TONS of inquiries & NEEDS TO BE STOPPED