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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX RESPONSE XXXX XXXX XXXX C XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Debt collection

Was contacted by XXXX, XXXX, and XXXX representative XXXX XXXX about a US Bank debt that I don't have record of existing. My first contact was on XX/XX/XXXX. I have called several times, and my complaints are as follows : 1 ) Contacted me ( letter and phone call ) outside of the statute of limitations. Last debt activity supposedly is XX/XX/XXXX. 
2 ) During the phone call they did not read the mini Miranda informing me that they're debt collectors. Mini Miranda also isn't on letter.

3 ) Threatened legal action on an account that I don't exists, plus is past statute 4 ) They would not allow me to validate or dispute the debt
Product: Consumer Loan

Wells fargo keeps charging for insurance on a ford fiesta. I carry insurance on the car with XXXX. They have faxed them the information that i carry insurance. They are charging me XXXX more a month for ins. i dont need. This is also effecting my credit. They started charging me several months ago for this out of the blue.I would like it to stop now. Thanks, XXXX XXXX
Product: Checking or savings account

SOMEONE STOLE MY PHONE AND MY WALLET AND ACCESSED MY ONLINE BANKING INFORMATION AND FRAUDULENTLY TRANSFERRED AND WITHDREW MONEY USING MY ACCOUNT. MY ACCOUNT IS NOW IN THE NEGATIVE. I AM NOT LIABLE FOR THIS DEBT. I REQUEST THAT NAVY FEDERAL REMOVE THE NEGATIVE BALANCES FROM MY ACCOUNT AND PROVIDE ME WITH A NEW BANK ACCOUNT NUMBER SO I CAN CONTINUE USING MY BANK ACCOUNT.
Product: Vehicle loan or lease

I claim my rights under 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices and FDIC 6000 Consumer Protection. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as " commerce '' is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of Section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten-point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Mortgage

I believe that the rate on my adjustable rate mortgage is wrong. The mortgage is a variable rate mortgage with the interest rate calculated by taking the published " index rate '' and adding a certain number of percentage pts. called the " margin. '' Under my loan agreement, my index rate is a 1 year LIBOR and my margin is 2.25 %. The Libor rate being as published in the XXXX XXXX XXXX. 

I received a letter from Citizens One Home Loans ( CCO mortgage co. ) ( Citizens Bank of Ma. ) stating that my new monthly interest rate would be 4.375 %. My rate change each 12 months can not rise by no more than 2.00 % with a margin of 2.25 %. 

I checked the Libor rate XX/XX/XXXX & XX/XX/XXXX and it was 1.89 %. According to my math, 1.89 % plus 2.00 % comes to 3.89 % Even if I add 2.25 % I still come up with a rate LOWER ( ( 4.14 % ) NOT 4.375 % which is stated they will charge me starting on XXXX XXXX 2019. Why is this wrong? 

I was also denied any access to speak to anyone in management so I am turning to you for help in this matter. Also, I was told by a clerk that the law states that my letter stating new rates had to be mailed out 75 days prior to my rate adjustment. Why? Did they figure my rate XX/XX/XXXX when my mortgage doesn't even flip until XXXX to grab a higher Libor rate? This does not seems fair or right. Please help me with this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation These actions have caused significant inconvenience ands : 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 PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX XXXX TRANSUNION
Product: Checking or savings account

On XX/XX/XXXX while visiting XXXX XXXX for a work meeting, I received a fraud alert for my Chase checking account. Immediately I contacted the bank and they listed 3 off ATM withdrawals which I did not make. One for {$330.00} 2nd for XXXX and 3rd for XXXX - all from the same ATM. I was in a meeting during the time of the withdrawals. Chase reversed the withdrawals and then a week later took the money back with no notification. When I reached out to chase their response was, the merchant had verified the purchases ( but these were ATM withdrawals not purchases ). When I finally spoke with someone at chase they said my card was swiped and pin was used. But it appears my card was skimmed. Last time I used the card was in the taxi with my pin. I was told that I would need to file a police report which I did ( this took some time as I was dealing with another country ). When I filed the report, chase did nothing. Finally I spoke with someone at Chase on XX/XX/XXXX in their fraud department. She looked into the withdrawals and also felt that something looked odd. Charges were attempted after I cancelled the card ( this information was never shared with me ). It is odd that 3 ATM withdrawals would be made. I have been with Chase over 10 years and I 've never filed a fraud charge. Chase now tells me that I need to deal with the police. Chase has been inconsistent with the information they are sharing with me. First telling me the merchant verifying the charges ( when the fraud was ATM ) and not letting me know about the attempted charges after the card was cancelled.
Product: Credit card or prepaid card

I closed acct. XX/XX/XXXX, they place another charge on card on XX/XX/XXXX, they will not answer phone all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.
Product: Debt collection

I called AR Resources XXXX XXXX after as credit dispute had been processed, I spoke to the rep that answered the call, he tried to verify the account using social security number, phone number, name and address but no account could be located. So he directed me to the supervisor which told me to call XXXX and get the account numbers. So on XX/XX/2020 I contacted the supervisor XXXX XXXX at XXXX XXXX XXXX with the 7 digit account number which is XXXX {$390.00} and XXXX {$910.00} she stated no account could be found. I asked to get that in a letter and she stated since there was no account she couldn't send a letter. She told me to just dispute it. I have disputed these accounts several times now even with a paid credit repair company. The last report was XX/XX/2020 And the information was reported to be mines. This has been a on going issue and has stopped my efforts in getting a home.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account TRIDENT ASSET MANAGEMENT, LLC which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that TRIDENT ASSET MANAGEMENT, LLCwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6-8 accounts that Experian keeps putting back on my profile that have been deleted several times as identity theft. I even submitted the police report, etc. and they keep re-adding it to my report. It is very frustrating.
Product: Money transfer, virtual currency, or money service

Since I listed a used iphone for sale on XXXX XX/XX/22, two buyers contacted me, keep asking me to pay or purchase more. XXXX XXXX tried to scam me with XXXX. I quit contacting him once I figured out something wrong with my bank advice. The second one, XXXX XXXX XXXX XXXX ( name on XXXX ), wanted to pay me with Venmo. She sent {$200.00} to me, but Venmo Support transaction administrator XXXX XXXX emailed me saying they had problems to credit it to me as my account was not a business user, and I had to expand my limit by sending the buyer additional {$300.00}. As soon as this is done they will credit {$500.00} plus {$50.00} compensation fee to me from Venmo. I send {$300.00} via XXXX to XXXX XXXX, her relative, at buyer 's request, but after anxiously waiting for the refund transaction hours, I got another email from XXXX XXXX, saying there's a problem to proceed it, I had to buy {$300.00} gift cards of XXXX from XXXX for the buyer, promising all would be paid back to me afterwards. Nope again. Early in the morning XX/XX/22, I got another email saying they discovered my account won't be able to receive the pending fund of {$550.00}, and they can only deposit {$1000.00} into my account. Before they could do it I was required to get gift cards or Bitcoin worth {$500.00}, and I had to do it within 2 hours, otherwise the whole thing would be terminated and all my money would be gone. The buyer also pushed me to take actions to avoid losing money for both of us. I questioned XXXX and the buyer, and they all said it was safe and I was protected. Under pressure I went to XXXX and got {$500.00} gift cards of XXXX XXXX ( 2x {$200.00}, 1x {$100.00} ). I thought this was the end of all the headaches, and I was wrong. XXXX 's email said they discovered {$300.00} of the gift cards was invalid and I need to purchase another {$300.00} gift cards quickly. At this point I was certain I was scammed, not just by Venmo 's XXXX XXXX, but by the buyer too. They cooperated to fool me scam me. I regret I didn't wake up sooner. Now I lost {$1100.00} cash ( {$300.00} XXXX, {$300.00} gift cards, {$500.00} gift cards ) plus my mailed out iphone {$200.00}. I saved all the emails between Venmo and me, proof of my payment via XXXX, receipts of gift cards, ups shipping receipt, etc. Please find out those online scammers, punish them and alert the public. I am afraid my money is gone for good, of course I would be overjoyed to get it back. Your time and dedication to the justices are greatly appreciated.
Product: Mortgage

Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX
Product: Credit card or prepaid card

I remitted the payment coupon at the bottom of my statement along with a notice of instructions on how and where to credit the payment. Now my account has been closed without prior notice due to them saying I'm denying my contractual obligation to pay when I've in good faith tendered payment. I never denied my obligation to pay but the obligation is of the U.S., not me. I've sent Notices on XX/XX/XXXX about this matter and they signed to receive the information on XX/XX/XXXX according to to form XXXX. They have closed my account on XX/XX/XXXX according to data from XXXX about my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX Date XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Child Support Reporting on Credit Report I am writing to formally dispute the reporting of child support obligations on my credit report. I have reviewed my credit report and found that OFFICE OF THE ATTY GEN child. According to the Fair Credit Reporting Act ( FCRA ), child support payments and obligations should not be reported on consumer credit reports unless they are a result of a judgment or a collection account. 

Child support is typically not considered a debt that can be placed on a credit report. It is a legal obligation, and while nonpayment can lead to other legal consequences, it does not meet the criteria to be reflected on a credit report in the same manner as traditional credit accounts or loans. 

I respectfully request that you remove any and all references to child support from my credit report. If this entry was made in error or without proper legal documentation, I ask that it be corrected immediately in accordance with FCRA guidelines. 

Please confirm receipt of this dispute and provide an update on the status of this matter. I appreciate your prompt attention to this issue and request that you inform me of your findings within the time frame established by law. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Experian for Violating FCRA ProvisionsDear CFPB, I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, Experian has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet Experian has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against Experian for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against Experian and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with Experian as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I search the internet trying to find a mortgage company that would finances someone with a low credit score. And I came across a website that was set up like the federal government. That stated XXXX had a program that would help consumer with a low credit score buy a house. But, you had to fill out their form so that they could run your credit report to see which of their plans would work best. Will I fill out the form and was DENIED. Then less then 10 minutes later I received a call from XXXX XXXX XXXX XXXX XXXX XXXX representing their self as been afflicted with the Federal government ( XXXX XXXX department assistant consumer with getting approved for XXXX housing program. They promise me after reviewing my credit that they could get my credit score repair to at lest 80 to 100 point from what it was. I asked what was their process and how long should I expect to see any changes. And I was inform that base on my credit it should n't take them no longer then 3 to 4 months. I question them about a judgment for past due rent. And they told me that I did n't have to pay it that they could get it removed. After all their gran promise the total me that their fee was {$500.00}. and it was refundable if I was n't satisfied. I have tried emailing and calling to request my refund with no reply. All they did was mess my credit up worse then when I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- XXXX XXXX . : I was trying to dispute my rent history. Everything was paid off to the Property Attorney. I sent the documents the property attorney sent me which was the documents to dismissed the motions and all accounts were satisfied and paid in full but they stated the information was not sufficient enough. I spoke to XXXX ( XXXX XXXX ) and they stated they never received any information from Experian-XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ACCOUNT XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.