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

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83  Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX   Times 30/60/90 Days Late 0/0/ ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a 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, not 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: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report that Just recently appeared and it shouldnt be there. My daughter is getting phone calls from the debt collector threatening that they are coming to my house to arrest me. 

I disputed the charges on my XXXX  Credit Report. I have lived in Washington state for the past 15. - 20 years and this debt is for a home alarm service in a completely different state. Supposedly someone by the name of XXXX signed a contract with me but I have never seen the contract. I was never made aware of this debt until I saw it on my credit report. 
I dont feel that XXXX  did anything to verify the validity of this debt when I submitted a dispute to them online. XXXX  replied to say that the company said it is true so it is. The fact is that the debt does. It belong to me and I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : -XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.
Product: Bank account or service

I hope you can help me and other retired individuals get to the bottom of this. I applied for a part time job as a mystery shopper as I have just gotten social security and it is n't enough to cover my bills. I received an over night package XX/XX/XXXX while I was out of town visiting my son who had just found out that he had a XXXX. My neighbor opened the package for me and saw it was a check for {$2900.00} and it was my first assignment as a mystery shopper. I was to go to the bank and cash the check or deposit the check and take {$400.00} for myself and go into a XXXX and wire money to another mystery shopper to determine their level of service. When I got back in town on XXXX XXXX, I did as the letter and went to my local Wells Fargo and asked the teller, XXXX XXXX, a personal banker if the check was good and he said not today but I can deposit it for you and it could be in the next few days. So I told him that I agreed with that, not knowing what else to do. Then the next day I look at my deposits which consisted of XXXX checks and {$600.00} in cash and none of it was in my bank. I went down to see XXXX to ask what happened and after much computer and phone investigation he found out that all my accounts were locked and were being closed. When I asked why, he said that the check that I deposited was a counterfeit check. I asked what that was and he explained that the account that the check was written from did n't exist. I said I had never heard of such a thing, either a check is good or bad. He was the one who told me to deposit the check and now all my money is frozen and my social security check gets deposited into those accounts and it is only {$1100.00} per money but it is all I have coming in. They are in the process of closing my accounts and will mail me a check they say in the next two weeks for with the money in my accounts but I have nothing to live on and I will not be able to get social security check next week. I think it is terrible that Wells Fargo is blaming me, the XXXX who got duped even though I brought them all the proof of this scam and XXXX is even backing up my details of the incident but Wells Fargo 's fraud department does n't care. 




Can you please help?
Product: Debt collection

This company XXXX put this debit on my credit report during the COVID -19 pandemic To my knowledge no collection can put anything on your credit during this time. I demand they remove this immediately because it has brought down my credit score and I  dont owe this company any money
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that TRANSUNION Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that transunion bureau decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 card or prepaid card

I haven't received my XXXX XXXX for the months of XX/XX/2022 or XX/XX/2022. I have called the company numerous times to try and fix this problem to no avail. Every time I call they say they are creating a ticket to fix this problem but nothing ever gets fixed.
Product: Credit reporting or other personal consumer reports

I have requested the original contract from the lender with my original signature on it from XXXX, XXXX and Transunion regarding all debts reporting in collections. I received a notification saying that the debt was valid and would remain on my credit report. I never received the original contract from the lender with my sign on it as requested.
Product: Debt collection

Citibank ( Best Buy ) has called my home multiple times a day for the last week. They are trying to locate a man named XXXX XXXX XXXX. Although I have had my phone number for eight years, the number did, at one time, belong to XXXX XXXX and his wife XXXX. Over the years I have received a number of debt calls for this couple but when I 've informed the debt collectors that I am not a member of the XXXX family and I do not know them, the calls have stopped. Unfortunately, the calls from Citibank have continued. When I complained to them, they told me that their system shows that my number is the incorrect number for XXXX XXXX but they said it will take a little time for their dialer to catch up. I want the calls to stop. I do n't care that their dialer needs to catch up. This is not my debt and the calls need to stop immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX XXXX at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed as soon as possible.
Product: Checking or savings account

I made a transaction on Friday, XX/XX/XXXX, of {$170.00} through XXXX. The payment was for an XXXX XXXX XXXX on XXXX XXXX. I contacted the merchant, XXXX XXXX, that day. He listed the phone for {$180.00}, but he gave me {$20.00} off, so I paid {$160.00} and {$10.00} for shipping. I sent {$170.00} to his XXXX : XXXX XXXX. 

He told me he was going to ship it the next day, Saturday, XX/XX/XXXX. I tried to message him in the afternoon of that day to confirm if he shipped it, and I got a message from XXXX saying, the person can not receive messages right now. I tried to look up his XXXX account, but I could not find it. I do not know this merchant, and I have no way to contact him. 

I contacted XXXX Support on XX/XX/XXXX. They kept pushing me back and forth between multiple agents. and all agents did anything other than sending me canned responses that did not address my issue. I requested the fund from him twice through XXXX, and he declined it. 

I reached out to my bank ; Bank of America and filed a claim on XX/XX/XXXX. I provided proof of my transaction and other supporting documents for my claim. A temporary credit of {$170.00} was sent to my account while they researched my claim. I got a message from my bank on XX/XX/XXXX saying my claim has been closed, and they are unable to pay me because XXXX has successfully completed the transaction. The temporary credit will be deducted from my account on XX/XX/XXXX. 

The merchant is a SCAM. It has been 21 days since my transaction, and I have not received my item. It is unfair that my bank was not able to help me get my refund. Please, I am reaching out to you as a last resort. I do not know anyone else that can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is against my mortgage servicer Shellpoint mortgage. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to XXXX, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last XXXX weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.
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. 

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate. 

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXXXXXX XXXX XXXX- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX I reviewed my consumer credit report after your re-investigation and noticed that the XXXX XXXX  account remains inaccurate. This has had a negative impact on my consumer credit report for years, which is hurting my ability to obtain credit. XXXX XXXX reporting on my consumer credit report twice on the same credit report. It shows as a charged off credit card and a collection. The following account has been re-aged by repeatedly reporting as charged of for several months in a row : XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX This is deceptive, misleading and inaccurate. This violates the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5A. I request that, based on these findings, that these accounts be promptly and permanently removed from my consumer credit report.
Product: Mortgage

In XX/XX/XXXX I noticed that my statement from my mortgage company was inaccurate with the amounts that I had paid for my principal and the interest. Every month since Select Portfolio Services , Inc bought my loan from XXXX XXXX XXXX around XX/XX/XXXX I have had to continually call them to fix the separate Principal payment. They tend to put it where ever they choose. I have always kept my statements and still have most of my statements from XXXX XXXX XXXX and Select Portfolio Services. Recently they have not been fixing these errors and have even sent an incorrect 1098. I called them back in XXXX of XXXX to make sure that my Principal Payment was sent to the appropriate address and it still gets messed up. When I call and tell them to fix it they say that they are in the process of fixing it, but it has now been 3 months and it is still not correct. My Principal paid should be showing {$640.00} that I have paid so far this current year and my new mortgage payment should be due for XXXX. Instead the amount showing is {$42.00}. I pay {$300.00} a month separately to principal. They also tell me that I owe a fee of {$90.00} that was a carry over from the previous mortgage company. Which I have never had a fee from my previous mortgage company. That fee is now lower and when I asked when was it that I made a payment to this supposed fee they could not answer me. I keep very good records on my account and any payments that I make. I will have to call them again, because when I went to their web page to check my account it is showing that I am not do to pay until XXXX which is not correct and the {$300.00} principal payment has not been applied.
Product: Credit card or prepaid card

My dispute is about the below new account that is currently on my credit report. I never submitted any application or personal identification to Comenity Capital Bank Credit Card services. I have sent a letter to Comenity Capital bank about this fraudulent account. I also opened two disputes with XXXX and XXXX about this false new account on my credit report. 

I was told to make a report with this institution also about this matter. 

XXXX I think this is the fraudulent account number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I was notified by XXXX and XXXX XXXX regarding a collection entry by the name of merchants and medical. As stated the original creditor was XXXX XXXX XXXX in the amount of {$550.00}. Then on XX/XX/2022 the collection agency updated the amount again to now displaying {$550.00}. I take no responsibility of owing merchant and Medical or XXXX XXXX XXXX of any amount stated above. I was not made aware of any accusations from this collection agency to dispute this matter effectively along with verifiable information with proof/contracts of any debt.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I purchased a washing machine from Home Depot. I was going to pay with an XXXX card but received an offer of an additional discount and " 12 Months No Interest. '' I initially did not receive the new account discount and had to call customer service to correct it. I did not receive any billing statement. At the beginning of XX/XX/XXXX I went to a retail store, made a {$100.00} payment and the representative called Citibank, requested the late fee reversed and paper billing. I did not receive paper billing and was subsequently locked out of the online portal. I made a {$50.00} payment at a retail store on or about XX/XX/XXXX and due the difficulty in using the account, I called on XX/XX/XXXX, obtained the payoff amount of {$500.00} and paid that amount in full. XX/XX/XXXX while debating on making additional purchases, I found a late notice in my junk email box. I was charged {$34.00} retroactively dated XX/XX/XXXX for " deferred interest. '' I called Citibank and the customer service representative stated I was charged interest due to a late fee and a late fee for the unpaid interest and stated there was nothing she should do. I was transferred to an escalation queue, told by " XXXX '' that managers don't accept customer calls and that Citibank was not going to reverse the fees. I advised I was not going to pay the fees so Citibank closed my account as punishment. I submitted a written complaint and received a message with the customer service number in response. This activity is deceptive at best, but appears abusive. It will also have negative impact on my credit score.
Product: Payday loan, title loan, or personal loan

My XXXX XXXX traded in my vehicle and used my money to put a XXXX XXXX in his name only. He did not have my permission to do this. 
I am XXXX XXXX XXXX but Old National protecting just his interest ... Refuses to allow me to continue to pay on my primary vehicle. 
He has his own primary vehicle. 
I feel they are discriminating against me I have questioned State Attorney General and many financial institutions and informed me.. 
That although I was not added to the loan I should be able to continue to make the payments until I can get a court hearing to show that either one the vehicle should have been my vehicle and in my name. 
Or to be refunded for the vehicle and the cash that was placed for the vehicle.. 
I have been making the payments on this vehicle the whole time when it left a lot the insurance was in my name I have shown proof of the vehicle that was traded in I had just had it registered and still had the stickers on the registration. 
Included my bank statements which show the {$10000.00} withdrawal on XX/XX/XXXX because I originally was going to buy and XXXX from another dealership however that XXXX had maintenance issues and was waiting for parts and it was taking too long. 
While I was at the dealership when XXXX put this only in his name I was not aware that that's what was taking place as I was on the phone dealing with my employer and taking care of a XXXX  that was in need. 
This is not the only financial scam that XXXX XXXX has taken advantage of with myself and my children and I have a XXXX  pending against him in the meantime Old National has refused to allow payments to be made on the vehicle.. 
Have refused to hear or receive the copies of the contracts XXXX XXXX gave to me and signed.
Product: Debt collection

I broke a lease on my apartment on XX/XX/XXXX. I had a job that was 70 miles away so I had to move closer. I gave the apartment manager a 60 day written notice and moved out officially on XX/XX/XXXX. The lease stated that I had to pay until they got a new renter or until the lease was up. They got a renter by XX/XX/XXXX meaning I would owe them for 1 month. I gave them a forwarding address, that they claimed I did not. However, I have had the same phone number since XXXX, so they could've called me for it. To continue, the renter wanted the apartment remodeled, so they chose to charge me for that time as well. So they charged me for 2 months plus they added pest control charges of {$350.00}. I didn't even get a bill in the mail from XXXX XXXX XXXX in XXXX XXXX, Florida. They sent it to NCC Business Services on XX/XX/XXXX who directly put it on my credit without even attempting to bill me. I told them when I called that I didn't owe for 2 months or for pest control. The manager of XXXX XXXX said she would take the pest control charges off but that I had to pay for the time that they were remodeling because my lease wasn't up. I contacted NCC and they forwarded my complaint to XXXX XXXX. When I called a few months later, NCC stated that XXXX XXXX said that they would drop the bill to {$1200.00} and that if I paid the bill, they would mark it as paid in full on my credit. I asked for that in writing and I never got it.
Product: Credit card or prepaid card

Navy federal refused to investigate and remove a XXXX balance credit card off my credit report. Security dept was rude and mean to me years ago and I cant get this credit card off my credit report I didnt not apply for this credit card nor I never been in the military my identity was stolen they never gave me the opportunity to filed a police report