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

This is a complaint against TRANS UNIONXXXX XXXX My problem started when I purchased a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number l asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They also stole my identity and underwent XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. Please, these criminals took my identity and destroyed it in the banking institutions. My family and I worked very hard to get out. This horrible dream began when I bought an investment house. Please help me. 

XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX, CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.
Product: Credit card or prepaid card

I have been a decades-long customer with CAPITAL ONE. I never have late payments, ever. 

I moved recently and was out of town helping transition a loved one home after a major XXXX. I paid the bill in full as soon as it arrived, and today I opened the new bill, which surprised me since I hadn't used it since paying off the balance. 

I was charged a late fee and when I asked about please getting it removed due to the circumstances, I was told no. The latest bill shows that my check was cashed within XXXX hours of the due date. 

I don't want to do business with a company that doesn't take their client 's long-standing history into account, and a one-time slip up due to a move and being out of town unexpectedly to help a loved one. 

The balance is paid off and I have closed the account, and I am not paying anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to experian, XXXX, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have experian, XXXX, and XXXX remove the accounts I disputed on XX/XX/21.
Product: Mortgage

Mr Cooper took the required three " trial '' payments after accepting my Loan Modification, sent me a first regular payment due date and amount. I tried to pay it early and they said the modification papers hadn't come through yet. And to pay it at the due date so they'd have time to get the papers. I paid the payment ( XXXX ) on time as well as on time payments for XXXX and XXXX. The account has been transferred to XXXX XXXX and on two occasions I've gone thru this whole thing with their representatives. They've sent me a " you're 90 days late so we're declaring you in default and accelerating your loan ''. XXXX says it's under review but they won't take my XXXX payment. I've sent explanatory letters to the XXXX on all these facts and the reply they sent was dated XXXX but the records showed no payments since XXXX they also provided me with an advisor to work things out and the number given was for a fax machine. Please, someone jump on this as they've threatened forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 accounts which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX COMMISSION ) XXXX Balance XXXX {$32.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} 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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Met a guy named XXXX on XXXX while I was very vulnerable. I ended her relationship of 14 years shortly before the scam. We started chatting, he was really patient because he waited until that friendship grew into a romantic feeling. That is when I started investing. He taught me everything about crypto and trading and gave me detailed instructions on how to do everything. I even took XXXX USD in personal loans in order to start investing. The total amount invested and lost is XXXX USD. My first transaction happened in XXXX this year and the last one around XX/XX/2023 from my account and through the intermediary XXXX to the scam company XXXX The scammer went to great lengths since he even allowed me to withdraw my profits once, just so I dont get suspicious. I was completely unaware of what was going on and genuinely believed that I was making money. As it turns out, not only did I lose the money, I am now in an indescribably worse situation than before the scam, with monthly installments for the loan. I have to find a second job because of all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachment I have Disputed the inaccurate information with XXXX, EQUIFAX, XXXX and they have failed to uphold their duty. 
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.

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 or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance {$3900.00XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

XXXX transactions were duplicated in my XXXX XXXX XXXX XXXX The next day when they tried to correct the transaction history, the difference was not taken care and a deficit that resulted from the double entries was carried backwards, resulting in a loss of {$1600.00}. The Bank refused to accept this mistake and credit the {$1600.00} I am owed. 
I have print outs of the transactions both before and after corrections.
Product: Money transfer, virtual currency, or money service

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 processe 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 all these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach a customer representative from XXXX for the past two months and the call keeps dropping. XXXX XXXX is falsely claiming I have been late on one payment on XXXX of this year and reported it to all 3 credit bureaus having my credit score drop XXXX points. I have auto pay set up on this account from when I first opened this account, I have yet to miss a payment and I have bank statements to prove it. 

I reached out to Experian as well and nothing was resolved after uploading documents on this matter, I am also putting in a complaint as well.
Product: Checking or savings account

The banking XXXX XXXX Bank of America froze my account without any justifiable reason. I made XXXX deposit on the following dates XX/XX/XXXX in the amount of {$7200.00} which was a check from my insurance company from water damage in my home. Then I made a cash deposit of {$1700.00} and {$630.00} on XX/XX/XXXX after which Bank of America froze my account and provided no reason as to why. I spent XXXX hrs total of hold time with their fraud department and went to my local branch XXXX times located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX to get no resolution and the continued refusal to withdrawal my cash I just deposited on XX/XX/XXXX. The freezing of my account also caused several issues with debits I already had setup on my account XXXX of which is my mortgage payment for my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax two letters to dispute two accounts they are reporting the payment status inaccurately. One letter was in XX/XX/2022, the follow up was in XX/XX/2022. 

Ive included both letters as well as copy of both credit reports with highlighted inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am initiating another complaint in the reporting errors by Exeter Finance, I have looked at my most recent XXXX credit report and there are still multiple violations that violate the FCRA. Per the last complaint XXXX this account was to be labeled closed as of XX/XX/XXXX with updated information within 45 days. As of my last report on XX/XX/XXXX my XXXX report is showing a 90-day late payment for XX/XX/XXXX and my XXXX report is showing a 90-day late payment for XX/XX/XXXX. This is a closed account and still being reported as late. My XXXX score dropped XXXX points and shows my most recent late payment as being XX/XX/XXXX from Exeter finance. A letter was sent certified mail on XX/XX/XXXX stating that if this account and the multiple reporting errors that are on it is not deleted from the credit bureaus in 30 days that a lawsuit letter which already has been drafted would be sent out. I have yet to receive any kind of response from Exeter. Per the last complaint you admitted to reporting errors and stated they would be fixed which they haven't. I am being taken advantage of and being used as an example by you thinking that you have authority to do and report whatever you feel like no matter if it's wrong or not. I have included screen shots from my most recent report showing your late payment reporting errors as you stated this would be closed as of XX/XX/XXXX. There can not legally be any negative information reporting after that date.
Product: Debt collection

Out of nowhere, I received an email and several texts saying a debt collector is trying to reach me from a former employer. They are texting and call my mom as well. I have received no written substance from them just emails and texts. The email has a very generic pdf attachment with my name on it and my former employer. I have no idea what this is for. I sent a certified debt verification letter and he emailed me. Saying I obviously received his letter and it includes everything. I responded telling him to read the letter. I have no idea who this is or what it's for. It's something called Snap Recovery.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On Wednesday XXXX 2024, I deposited a check that was mailed out to a payment for work that I would be starting soon. I was unable to make the deposit in the Bank ATM and the bank was already closed so went home and deposited VIA MOBILE I had just actually received a new card from the bank after the 3rd try in getting me a new card since I had recently reported a bunch of transactions on my account that I had no idea of what they were for and who made them. Used the card on the Thursday the XXXX no issues until today Friday the XXXX when I went to my nearest gas station after work and my card was declined called the bank and was told my account was put to termination due to the bank not being able to verify the check I had deposited asked for more details on this and was told they had sent out a letter explaining the reasons but they could not tell me those reasons over the phone. I found it highly insulting for a bank not to have the decency of at least reaching out to their customer and explaining what the current issue was and at least give him more options then just closing my account. I even got an email stating my deposit had been accepted so I am not sure what really happened with Citi Bank, but Citi Bank needs to hire employees with more customer service skills and more knowledge in dealing with customer questions.
Product: Vehicle loan or lease

I'm being cheated out my money and over charged for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charging me {$25000.00} have to pay {$270.00} every 2 weeks or the car will be repo. I filed a complaint with the DMV that found violations also filed a complaint with the XXXX. XXXX the general manager wants me to make decisions for me by offering a form to sign take the car from me and {$0.00} balance and keep quiet! XXXX never asked me what do I want after being cheated for a year and half! My solution is to give me the title to the car that's been already paid for by me according to the value of the car and paid on my credit. I have proof of steady cheating me and I will continue to seek help because this is theft! Car note payments not being subtracted and I have proof I'm being taken advantage of.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX Equifax supply me with documentation of their verification of the Bankruptcy on my credit file. XXXX Credit Bureau and Equifax Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from XXXX and Equifax. As of today XXXX/XXXX/2017, I have received nothing from XXXX or Equifax. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.