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

At the beginning of XXXX I had contacted Prosper Marketplace. Due to covid and them doubling up the amount of the payments then enduring XXXX XXXX, I called Prosper and discussed my options as my father had offered to pay this account off. I spoke to an agent and asked the same question several times will this affect my credit, as he gave me a number and it was paid immediately. He clearly stated it would only show the account paid I clarified again he said it will just show that the account is PAID no other incriminating information. I then noted that the account shows the word settlement and a red mark on my XXXX payment status which dropped my score considerably. My goal was to enhance my credit moving forward thus being so particular about what they would state on my report. During the conversation he had asked if I was in front of my computer and logged into my account I said yes he said press the accept button which I did. I have since written to them via email in excess of 10 times most of which they don't respond, I have asked that they listen to the recorded message which they refuse to do. I followed the guidance of that agent, had I known it would be derogatory to me, I would not have paid it off. This company prays on people that are just trying to get out of debt not into it. I request that the conversation be listened to and where it was clearly explained that only the word PAID would show and not a barrage of additional information that they put to harm the consumer. I paid this in good faith rather than go into bankruptcy which would have been worse for them. I ask that they remove anything other than what I was told would be there which was only PAID and a XXXX balance owed. Thank You
Product: Checking or savings account

Our XXXX tax return was deposited into the incorrect account that doesnt not belong to us. We contacted PNC to have them return funds to IRS so that they can issue check to correct person. PNC has refused to return our tax return to the IRS. We filed a form XXXX to ask for the funds to be returned and pnc is continuing to disregard our request. I have emails from XXXX showing we have been trying to get this corrected. Funds were deposited into incorrect account on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX card that arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not removed two accounts from XXXX XXXX  that are not mine, then its a charge off but has a balance on both accounts. There inappropriately reporting incorrect information on my transunion credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to adjust or remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX, and I'm including it again. Please correct or delete these accounts immediately : 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
Product: Debt collection

XX/XX/XXXX {$1500.00} caprio partners collection from XXXX  hospital. I disputed via XXXX XXXX the account for about a year sin they opened the account on XX/XX/XXXX never been contacted by them. I called the hospital and they never submitted my account with an appeal letter they had my XXXX/ XXXX  insurance cards they failed to file within the year but 90 days passed and they send me to a collection agency and never billed or called me. Now I have this balance affecting my credit I also send an email to a supervisor there number is XXXX spoke to XXXX XXXX XX/XX/XXXX. They want me to pay for their mistake. I had insurance to cover my medical services. They failed to do their job and now they want to make me responsible. Please help thank you
Product: Money transfer, virtual currency, or money service

I was charge a ridiculous fee for cashing a check written out to me. This is exploit the poor. I am not in the position to give away money for taking a check for work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of id theft. the account information in the credit report has been resolved but incorrect name continues to report after several disputes, conversations and presentation of documents to support my correct name.
Product: Debt collection

I am being threatened by ADR out of Texas. They said they are going to take me to court and put a judgement on me for a debit card overdrawn debt from XX/XX/XXXX. I haven't heard from anyone in years. This was my deceased husbands doing back in XX/XX/XXXX I believe. Like I said I haven't heard anything in years, until today. They are calling my family members and trying to get information from them. I did call them back and explained to them after the fact they told me what it was, after they verified my information. I did tell them that I didn't do that and that my husband did. He is now deceased, but because I was the primary account holder I have to pay over {$1000.00}. The statue of limitations has done expired on this old debt in Florida. Who can I dispute this with? I was also told that because I verified my last four of my social security and admitted because I explained to them about that account. That they have the right to serve me papers and take me to court. And put a judgement against me. Also told me good luck in a sarcastic way.This is over ten years old!!
Product: Mortgage

We have recently received a letter from Rocket Mortgage saying that we are required to get wind coverage and that if we do no acquire it fast enough they will get their own and charge us for it. This would make it considerably more expensive. During closing for our home with Rocket Mortgage we confirmed with them twice thru email that wind coverage would not be required. I have spoken with them on the phone ( The process on its own is horrible just trying to talk to a human ), just to have them tell me I must get the wind coverage now or they will get it and it will be even more expensive. They are great when you are getting the mortgage and buying the house but once you are locked in they are horrible to work with. They are a predatory company and it should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I can not open checking accounts, says that I am in the XXXX XXXX XXXX or XXXX XXXX I do not own multiple bank accounts, I have frozen my credit and yet I'm told I am in the XXXX XXXX or XXXX. I have asked for proof, and I even disputed this with the credit bureau 's ( XXXX, XXXX, etc ) and the information just remains as valid when it is not
Product: Mortgage

As of XX/XX/XXXX i filed a bk chapter XXXX.I am in the second year making all my regular monthly payments and the court pays the arrears.Everything was going ok until Ocwen bought PHH. They gave my mortgage to be serviced by them a couple month ago..Now all of a sudden i was making my payments over the phone and had an online account.As of XX/XX/XXXX I no longer have an online account to see what i owe .I ask my attorney to send correspondence to let them know it is ok for me to discuss my mortgage with them.So i started calling asking what happened to my online account and if i can't see online, if they can send paper statements.They keep saying I am in bk so they can't do that, But for two years they were ok with it..I call and send emails everyday about my account .I ask to speak to a supervisor they keep saying he/she is busy they will call me back. Still nothing.Please help I have been fighting with this company for years and the attorney i have don't seem to be too interested in helping me.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$0.00}
Product: Student loan

Co-signed on a private student loan for my sister in 2003 have made every minimum payment for 20 years and the balance is still higher than when we originally took the loan out.
Product: Credit reporting, credit repair services, or other personal consumer reports

these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK WEST Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

Paypal support is completely unresponsive. They have an irrelevant robot speaking but nothing gets done. They seem to be permanently closed- no one to speak to. They have my money but they are not sending it to me. They have stolen it. I've tried to verify my details online- I can't. I've tried to close my account- they've responded it can't be closed. They are completely evil and unresponsive. And they have my money. They should be shut down as they are completely incompetent and unresponsive.
Product: Credit card or prepaid card

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX Bank of America My name is XXXX XXXX. I am a current secured card member with a {$1000.00} limit. I have been continuously up to date and on time with my payments and account management. 
I wish to convert my card account to an unsecured Credit Card and receive a refund of the initial deposit of {$1000.00}. 
However, it has not been an easy feat with interacting with your customer service representatives or your impossible AI phone tree system. Your service is open of the most terrible in XXXX. Right up there with XXXX XXXX! 
I have been hung up on, lied to, cursed out among many things. Its amazing that your calls are not recorded. 
I want to know if you value me as a customer since I have maintained and exceptionally groomed my account to the best of my ability. 
Please assist me and let me know what I need to do in order to move my card to an unsecured account successfully. 
Looking forward to hearing from you. 

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

There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PenFed Credit union sent me an approval offer for a credit card, I took the offer They approved my application pending docs and said it would be done in 24 hours I submitted docs. They requested more. I submitted more. They requested more. I submitted more.

I took the offer only based on the approval and I provided all the docs they requested I have been lied to by representatives at the company, told it would be approved and it wasnt, I was told 24 hours and that wasnt honored Given the deceptive and unethical practices I made the request to either honor the offer or delete the inquiry off my credit report and withdraw the application.

Please have the withdraw the application and be sure theyre following ethical business practices
Product: Debt collection

I had bed bugs in my apartment 3 years ago I was only in the apartment for 2 months & it was heavily infested I told the apartments because according to lease they is responsible for getting rid of the bed bugs they sent someone out who said they didnt see anything but I had pictures & all so they broke the lease agreement by deciding not to treat the bugs so I moved later down the line is when I tried to get an apartment I am unable to get 1 because all these charges they placed on my credit report so now Im XXXX all the charges they say was from things I left in the apartment well all them things had bed bugs so I couldnt take them to my next home they say I owe {$2000.00} Hunter Warfield Inc from XXXX XXXX XXXX
Product: Debt collection

Chase Bank repeatedly calls my OLD place of employment and have been told MANY times to STOP calling as I am no longer employed by that company and the fact that it is the front desk of a busy XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled my XX/XX/XXXX payment on Ally Financial 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that Ally financial tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in one day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that Ally Bank resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX one time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to Ally Financial requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX Ally financial reported a 30 day lateness on my credit file on XXXX. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to Ally Financial Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct my credit report.
Product: Credit card or prepaid card

Received a phone call from number XXXX claiming they were Bank of America Fraud Dept. They provided a reference number to use in the message they left when I missed their initial call. The message said to call them back at number XXXX. They claimed a Bank Americard Master Card was applied for in my name and wanted to verify that it was me. I informed them that I had not applied for that card. They put me on hold a couple of times to verify things. It all seemed legitimate until the last hold where the female representative came back on and said that the application was cancelled and to check for other applications entered under my name, they needed my social security number and date of birth. At this point I said I was not giving out that information and ended the call. Not sure if this was legitimate or not, but tend to believe that it wasnt due to the request for my SS number.
Product: Checking or savings account

My savings account has been open for months without me having any access to it or using my funds in account every month i get charged interest fees for my account cause of the fact i can not use it and its just sitting there useless i was told in XXXX of 2024 my account was gon na be closed my savings account has a balance of XXXX still in account and i can not access any of it my accounts still open i dont get why and my funds are still in the account getting charged every month interest for no reason this is ridiculous they should have closed my account and mailed me my remaining funds along time ago!!!
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 XXXXXXXXXXXX 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 XXXXXXXX, XXXX & XXXX XXXX # XXXXXXXX XXXX XXXX BANKRUPTCY : # 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 or other personal consumer reports

15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX  dated XXXX 15 U.S. Code 1679cXXXX reporting unauthorized fraudulent inquiry from XXXX dated XXXX 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX dated XXXX 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019, I tried to dispute with Transunion under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no  response or movement towards resolving the matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are fraudulent and should be taken off of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I should remember actually date because I came XXXX  three years ago till now especially with XXXX credits and XXXX  XXXX with XXXX XXXX even credit union are not reporting the right figure someone when to fit wrong impression on my credit union that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation
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 violates 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 do 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.