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

I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, Transunion numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.
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 ).

identify you and your account.

( 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 E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I looked on my credit report & saw it had a student loan on it. I never applied to any college. Or co-signed any loan. I contacted GREAT LAKES in XXXX, Wi. They sent me a fraud package & told me to get a police report. I did so. Now they saying thats not enough. I need this off my credit report. I contacted the school. Which is XXXX XXXX College. They wouldnt give me any information on the student loan that I suppose to have taken out. The account number is # XXXX. Please HELP with this situation. Its having a negative impact on my credit. Thanks in advance. The date of loans started XX/XX/2018
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX/Transunion/XXXX are intentionally reporting inaccurate information on my credit report. I have attempted to dispute multiple times, and they keep " verifying '' information unrelated to me. the only error they corrected via a dispute was my social which is a prime example of how I am sure the information is for someone else if they didn't even have my correct social security number. My info was leaked in an XXXX data breach.
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. 


XXXX XXXX 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 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 ( 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

I called TransUnion where I couldn't get a live agent on the phone to speak with about the incorrect information on my credit report. I was then sent a text message where a agent texted me about the problem I was facing. The agent then told me that they could not help me being that it was texting. I told them I sent letters to them from FCRA stating that the hard inquiries was not authorized by me nor did I sign off giving anyone permission to pull my credit I wanted them to be delete immediately. The Transunion text agent then told me that someone will remove them soon and get back to me, but this is not a form of communication. She/he then tells me they will email me once they receive my letters in the mail. I did not email them in I asked for a signature so that I know that they have been received by a human and not the e Oscor system. I would like these items removed from my credit report as soon as possible.
Product: Credit card or prepaid card

In XXXX, 2020, I was on a XXXX XXXX, with my husband. I applied for a MasterCard to purchase a ring and earrings. On XX/XX/2020, at XXXX XXXX  I purchased the two items ... .however, 20 minutes later I actually returned the ring because it was too SMALL on my finger. The clerk said that if I returned the ring, she would then recharge me for the ring, BUT {$100.00} LESS, so that when I returned home I could take my ring and have it sized. The first transaction was for {$4400.00} ... ..the ring was {$1400.00}. At XXXX XXXX, on XX/XX/2020, I was recharged for this same ring, {$1300.00}. This is background and this is not in dispute. HOWEVER, WHEN THE VERY FIRST BILL CAME IT STATED THAT MY TRANACTION AMOUNT WAS FOR {$5000.00} ... ... .... {$700.00} TOO MUCH. I DIDN'T PURCHASE ANYTHING ELSE AND THEY HAVE NEVER PROVIDED ME WITH A STATEMENT SHOWING THE PURCHASES. I HAVE  REPEATEDLY ATTEMPTED TO CLEAR UP THIS MATTER WITH THIS COMPANY TO NO AVAIL. I HAVE REPEATEDLY ASKED FOR A BILLING STATEMENT FROM THIS FIRST MONTH, SHOWING THE PURCHASES. AGAIN, TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Payday loan, title loan, or personal loan

I bought this item from XXXX on XX/XX/XXXX of XXXX. Hi returned item on XX/XX/XXXX by mail which they confirm they have received. For some reason I couldnt go back to store. Since then citizens pay or whatever they call themselves now have been told to refund my money. This was for the XXXX XXXX and also the 24 month all access pass which totaled to XXXX. I have talked them over 3 dozen times and sent them numerous emails with XXXX  customer service ccd on each email. XXXX said their shouldnt be any reason why they shouldnt have gave me my money. Citizens had me paying for months in which the first time I spoke with them. They said do not worry, dont pay anything as it would take time but resolve. Lies!! They had me miss my first payment on any credit or loan I had in the past 10-15 years. Taking my score down a good 35-50 points. I called to speak with them and they said sorry for the confusion and thatll take care of it but at that time I would have to complete making payments every month until they figure it out so I did so. All the ay up to XXXX. In which they now owe me. I spoken to them at least four more times after we got to that process I called beginning of XXXX of this year and finally they said the check has been sent out on XX/XX/XXXX which would take up to 45 days from Rhode Island. I had no faith in this company has theyre the worst ever I dealt with and feel like its a scam. Even XXXX cut ties with them. I spoke to a representative today for the lack of faith and here we go again they tell me that the check hasnt been sent out but it should be soon. I know this is just another step for them to continue to lag on pay me back my money. Ive spoken to higher-ups the middle people and the regular agents and all of them have lied give me incorrect information and giving me the runaround. As my balanced stand is XXXX dollars right now they owe me that {$310.00}. This has been going on way too long XXXX also changed their name from citizens one to citizens pay. My last case number was XXXX Ive been giving wrong info by XXXX, XXXX, XXXX. Also a request refund from a XXXX XXXX. Way before I spoke with those other agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding an unresolved issue on my credit report. There is an invalid inquiry from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit report. I believe this inquiry has been reported inaccurately and is adversely affecting my credit score. 

As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from Equifax. 

I hereby request that Equifax conducts a thorough and immediate investigation into the invalid XXXX XXXX  inquiry on my credit report. I have attached supporting documentation that clearly proves the invalidity of this inquiry and warrants its removal from my credit profile. 

According to the FCRA guidelines, I understand that Equifax is obligated to complete this investigation within 30 business days from the date of my initial dispute. I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. 

In the event that Equifax fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. 

I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect Equifax to take this matter seriously and treat it with the urgency and attention it deserves. 

I would appreciate a written acknowledgment of this complaint and a confirmation of the initiation of the investigation within 5 business days of receiving this letter. Please provide me with regular updates on the progress of the investigation until a resolution is reached. 

Thank you for your immediate attention to this matter. I expect that Equifax will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX.
Product: Mortgage

Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX  sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX , XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF  LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST  BY XXXX XXXX XXXX   XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
PRESTIGE DEFAULT SERVICES & XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXXXX Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received an offer that clearly stated Im preapproved for a higher credit limit. Its very clear this is one until XX/XX/XXXX. I responded and applied giving sensitive personal income information and they said the offer was no longer valid. They in a second reply to me asked for more sensitive and personal information. In a third reply, they told me I had to apply and this offer wasn't valid despite the letter I received clearly saying I had until XX/XX/XXXX and I was pre approved. I think they are trying to mine additional personal information from me or they are clearly discriminating against me for whatever reason. I simply want what they said was available to me.
Product: Credit reporting

Bank, XXXX XXXX XXXX XXXX had notified Equifax and other credit agencies that XXXX made an error on customers account and reversed negative late payment history in XX/XX/XXXX. Equifax and others had not corrected customer history so customer disputed again in XX/XX/XXXX. XXXX too re-notified Equifax and still they did not remove disputed error. XXXX operators at Equifax were unhelpful and unable to assist and just kept offering to send a free report. In the meantime, my credit history had been ruined..
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I applied for business loan with U.S. Bank. After application, I was notified that my application was being reviewed and there was a hard pull from USBANK on my XXXX credit report. 

In about 20 minute I received another notice again from U.S. Bank that my application was being review and then another hard pull from USBANK on my XXXX report. 

I called the bank the following day to follow up on my application and was told it was denied by an automated system and now being reviewed by a U.S. Bank personnel. I then ask why there was 2 applications when I only submitted one application. The representative advised she would have to confirm that with her manager/supervisor and reach back to me. 

She later called within the day and advised I could go ahead and dispute the hard pull. 

I visited my XXXX account and submitted a dispute for the second pull to be removed on XX/XX/2024 and labeled it as " unauthorized pull from lender ''. 

Today XX/XX/2024, XXXX completed dispute with below response " >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2024 XXXX USBANK99 XXXX '' At this point this matter as moved from unauthorized to fraudulent. I don't see a reason why I would apply for the same product twice while the first is still currently under review. 

U.S. Bank and XXXX should not make excuses for their inadequate systems and take responsibilities for it. 

On XX/XX/2024, I had to file a complaint via the CFPB ( XXXX ) regarding an online application form that clearly stated I can input my ITIN and when I later called in, I was told they only accept SSN so I'm not surprised if there is a glitch and inconsistencies in their system that authorized another pull for a single application.
Product: Mortgage

During COVID Bank of America offered a forbearance. I asked that if I used it would the payments be put at the end of my mortgage. I was told yes over the phone. I received letters stating you owe such and such amount. I would call and ask and was given the reply that yes I was on a forbearance and would not have to pay until the end of my mortgage. This would happen about every three months. The forbearance was up in XX/XX/XXXX. At that time I resumed payments. From what I had been told I was sure the payments I was making were for the months I was making them in. 
I called when I saw online that my current payments were being used towards the XXXX payments that had been in forbearance. When I asked why that was as I had been told they were going to be put at the back end of the mortgage I was told that things had changed. They are now telling me I have to come up with all the money or they can foreclose on my house! 
This seems criminal to me. Had I been told that in the first place I would have borrowed money rather than use their forebearance plan. They have been charging me XXXX % interest rate as it is which seems like usury. I am not a young person and Im on Social Security. I dont know any place where I could get a new mortgage at this point. Please help. I just want them to put the payments at the back end of the mortgage like they told me they were going to do.Thank you
Product: Debt collection

On XX/XX/2023 after pulling my credit report I found negative reporting on my consumer credit file from a company named Credit Collection Services. 
The negative and inaccurate reporting of this account is harming me. 
Credit Collection services did not validate this debt before reporting it on my consumer report. 
Credit Collection servic did not have my permission to furnish this information to my consumer report. 
Credit Collection Servic did not notify me before reporting information to my consumer report Credit Collection Servic does not have a contractual agreement with my wet ink signature on any documents with their logo or Company Letterhead Credit Collection Servic does not have a power of attorney or delegation of authority
Product: Debt collection

I have disputed this medical bill three times and Ive called as well and sent the LOP to the collection agency and the Hospital. The hospital contacted the collection agency to make them pull from my credit report and they did from all three but then reported to XXXX putting it back on my report! I called the collection and hospital today XX/XX/2019 and the rude lady at the collection agency hung up on me! I then called the hospital and left voicemail letting them know that Holloway Credit Solutions put the medical collection back on my XXXX knowing I sent them Letter of Protection from my lawyer and they received it! The hospital has LOP as well now.