23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was informed by Cashapp on XX/XX/2023, that a transaction I completed in XXXX was not debited from my account. However, I've never heard this. My account has been funded numerous times since, and without notice they simply removed money from my account. Here 's their account. We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

They provided no proof and simply sent this response. I am too poor for them to do this.
Product: Mortgage

The lender provided an option to list the property in XXXX and I agreed and filled out the authorization form and sent it on XX/XX/2019. They confirmed that they have received it but up until now they still have not given us an update if it's already listed in XXXX. We keep calling them, most of the time getting the POC 's voicemail and sometimes getting a representative but weren't able to help up because they will still transfer or refer me to the POC for the updates. They also emailed the supervisor who is handling the XXXX matter but no response received. 

And as for the status of the approval from the PMI ( Private Mortgage Insurance ), they are giving us an incomplete update. First they said that they are only missing bank statements, so it was sent to them on XX/XX/XXXX and they forwarded it to PMI on XX/XX/2019 and then after a week they provided us an update stating that we need to re-send the hardship letter, so I re-sent it on XX/XX/2019 and they forwarded it to PMI on XX/XX/2019. Up until today, we are only getting the voicemail of the POC.
Product: Mortgage

We changed banks. We requested our auto payments be taken from our new account. This did not happen. We requested this on the phone and were told it would be taken care of 3 times. I then made the request again via costomer servicee portol so it was in writing. DITECH continued to refuse. As time progressed and I was told it was taken care of, payments were declined from the old bank. I was called, I set up new auto pay again beong told it was finally done. As you will see from our record we have spent HOURS over multiple days trying to get this resolved We are getting harassing phone calls and letters. Each time we go through it we are told OK now we see it will be taken care of -- -again it hasnt been We have over paid, paid for faxing and told we are refusing to pay.We are tired of these letters and calls and have told them to never call again- unless they call our bank XXXX XXXX They refuse to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

On XX/XX/XXXX I was given a call by Oracle Financial Group LLC by XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I did my credit report, there is an account that should NOT be on my credit report as a repossession. I bought a pick up for my grandson, I was the co-signer, when I went to get tags for the vehicle, The DMV had no record of me buying this truck, it was listed in the name of the orinigal owner, it was NEVER transferred to my name. I had the DMV do an investigation and I did not have to pay for the truck, XXXX XXXX XXXX, paid me all my money that I had paid on the trunk back to me. This should not be listed on my credit report at all. Can you help me with this??
Product: Checking or savings account

Going trough various documents and mailing I planned on shredding i cam across two letters from Truist which I assumed were bank solicitation. Upon opening I discovered the each letter demanded {$50.00} ( a total of {$100.00} ) to close accounts that I never opened and was not even aware I had. The account number on each letters differs but the mailing date is the same. In the letters Truist demand {$50.00} which includes a " {$30.00} Charge off fee ''. The letters also threatens reporting the alleged debt to " specialty check reporting agencies ''. 

Note that I never banked with Truist or any of their recent bank buyout. This seems to be a XXXX XXXX scam redo.
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 items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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
Product: Checking or savings account

Bank of America took my money after my deposit and gave it fraudulently to another by honering their fake checks made with my pay check information. Removing my funds from my account and sending it to the fraud person.
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans were secured ties ..the school went out of business. The fraudulent school status to receives grants that were not accredited I was unable to secure a job, they obtained loans without accreditation.
Product: Checking or savings account

My Checking, Savings, and Credit Builder accounts with Chime were closed without my permission and I can not access the funds within them. I had a total of over XXXX dollars in savings that this company is denying me access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 Inquires that do not have any relation to me, And I have disputed these items prior with no changes from the credit bureaus. These items are henedring my credit score and they are not factual or accurate inquires. Ive sent an FTC way back in XXXX and still have not got this situation resolved!! 

These are the inquiry items XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name Is XXXX XXXX XXXX XXXX. I have a XXXX XXXX account # XXXX Date open XX/XX/2016... This account is Paid Closed. Paid As Agreed. This is incorrect This account should say Paid Closed /Paid As Agreed/ NEVERLATE. and it should reflect that on my Transunion credit report. My next step is to take legal action against Transunion. for not change the status. Thank you for any help in this serious matter.
Product: Money transfer, virtual currency, or money service

Money was deducted from my bank account with the Bank of America without my knowledge or approval. On XX/XX/2021 and XX/XX/2021 two deductions of {$30000.00} each for a total of {$60000.00} were taken from my account. I immediately reported these losses to the Bank of America upon my return from a trip. I filed a complaint with the CFPB on XX/XX/2021 citing a complaint using the Electronic Funds Transfer Act ( EFTA ) Regulation E, My case number was XXXX filed on XX/XX/XXXX XXXX THE BANK OF AMERICA HAS NOT RESPONDED TO MY COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false.

I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my 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 ). 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 ( 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: Credit reporting, credit repair services, or other personal consumer reports

I went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) The address provided to and reported by Southwest Credit Systems is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 2 ) XXXX does not operate in Iowa, where XXXX XXXX resides. 
3 ) Southwest Credit SystemsXXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/2018, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Southwest Credit Systems and XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Product: Vehicle loan or lease

Ally Financial has my car note. The note is XXXX per month. If you are 2 or 3 weeks late they charge a XXXX late fee.
Product: Mortgage

My mortgage servicer, BSI Financial Services, has improperly raised the rate on my adjustable rate mortgage. The note limits the increase to 2 % during each XXXX year interval. The rate was increased by 0.125 % as of XX/XX/XXXX and 2.0 % as of XX/XX/XXXX. I have now received notice of a 2 % increase as of XX/XX/XXXX. The increases are outside of the terms of the mortgage note. The note says " In no event, will my interest rate be increased or decreased by more than two percentage points during each one year interval following the first Change Date and each anniversary thereof. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect late payment that is being reported on my credit report under the account with XXXX XXXX XXXX. The details of the account are as follows : Company Name : First Investors Financial Account Number : XXXX This late payment entry is inaccurate, as I have never been late on this account. As outlined in 15 USC 166B, I am entitled to accurate reporting of my credit information. I respectfully request that you investigate this issue and remove the incorrect late payment from my credit report, updating the account to reflect my actual payment history. 

Please conduct a thorough investigation and, based on your findings, remove the inaccurate late payment from my credit report. I would appreciate your prompt attention to this matter and request confirmation once the update has been made. 

Thank you for your cooperation. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$4500.00}
Product: Debt collection

I received a letter from Trinity Hope Associates, located at  XXXX .  XXXX   XXXX ,  XXXX , NC  XXXX  on  XXXX   XXXX ,  XXXX  regarding a medical debt incurred by  XXXX   XXXX   XXXX  located at  XXXX .  XXXX   XXXX ,  XXXX   XXXX , MD that I had been making monthly payments of {$50.00} up until  XXXX   XXXX ,  XXXX  just after receiving a letter stating that I owed {$93.00}.   I sent a letter to Trinity Hope Associates on  XXXX   XXXX ,  XXXX  disputing the debt with copies of checks that were cashed and written to   XXXX   XXXX   XXXX   for the last 3 month 's of {$50.00} payments for the months of  XXXX  through  XXXX  showing payments were made consistently and requesting a full accounting from them since it was apparent that my monthly checks were not credited properly and letting them know that my last check in  XXXX  should have paid off the account. I let them know of my rights under FDCPA.   I never heard another word from  Trinity  until I received a call from  XXXX  credit protection services letting me know tha t Trinity Hope rep orted negative information on  XXXX   XXXX ,  XXXX .   My husband contact ed Trinity Hope and left 2  messages that they have 10 days to remove the negative information from my credit report. He finally received a phone call from them on  XXXX   XXXX ,  XXXX  from  XXXX  at Trinity Hope who admitted receiving the letter of dispute on  XXXX   XXXX ,  XXXX , but claimed that  XXXX   XXXX   XXXX  still says that the {$93.00} was still owed. He explained that monthly payments of {$50.00} per month were being paid and asked why I was turned over to collections. She basically said that was n't her issue that I needed to prove that I paid {$93.00}. She did not care that monthly payments were being made on the account.   I would appreciate any assistance that you can help in having the negative information removed from my credit report.
Product: Debt collection

Hello. XXXX XXXX XXXX XXXX XXXX has submitted a claim to my insurance company under out of network provider. I visited doctor on XX/XX/2021 for who is in network. I spoke to insurance twice and was advised to call medical practice and ask them to submit claim under in network provider for them to pay dues. I sent 4 messages to XXXX XXXX XXXX department through consumer portal and received response that claim is submitted under in network provider which is not the case. 
XXXX XXXX XXXX department has referred case to Harris & Harris of Chicago collection which is constantly harassing me. I have met all my deductible and insurance is ready to pay claim if submitted under in network provider. 
I need help please to resolve this issue. I have all the proofs from insurance that claim is not submitted under in network provider. 

Thanks. 
XXXX XXXX
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was selling a prom dress for {$300.00} and the customer sent a check from PNC Bank in Kentucky for more than the asked amount ( {$1600.00} ) .I then asked, why did they send more than the asked amount, they told me to deposit the check and withdraw the money soon after. They also told me to send the remaining amount to the shipping agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX To Whom It May Concern : Re : XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. 
However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
Docket Number # XXXX, Date Filed ; XX/XX/XXXX, Asset Amount : {$0.00}, Status :- is incorrect, and doesnt match my records.

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting in my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.

After doing so please provide me with an updated credit report reflecting the changes.

FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I am not liable for this debt with portfolio recover services I do not have a contract with the collection agency trying to collect and report only my credit. I have no signed documents. They did not provide documents.
Product: Debt collection

Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX