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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

1. **Unauthorized Inquiries ( FCRA ) : ** Creditor XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

3. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

4. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

5. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX 6. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I just received a collection letter from RPM Receivables Performance Management LLC. dated as XX/XX/2018 demanding a Payment of {$570.00}. 
I don't know where this debt is coming from then for I will formally dispute it. 
I want to ask the CFPB in my behalf to request this debt collector XXXX to cease and desist any collections efforts because the fact I don't owe nothing to XXXX. ( Since Now I know I will file an complaint against them with the FCC for doing this, using different debt collectors to pursue an amount that I don't owe them Since I believe there is another debt Collector its name is XXXX XXXX I opened a complaint against them CFPB # XXXX ( also trying to pursue the same alleged debt ) checking in the CFPB system this company XXXX XXXX   return the complaint at least twice to the CFPB stating " The company responded that they are not the appropriate company to address your issue.The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information '' I'm attaching the other debt collector copy of the letter I received after I filed against them and now they are denying to the CFPB they are the ones did the harassment phone calls well with this letter it shows they tried to avoid to respond my complaint to the CFPB.Clearly this company is violating my consumer rights under the FCPA
Product: Credit reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother passed XX/XX/2022. I am her daughter and the beneficiary of her accounts along with my XXXX  children and my brother. 
I am XXXX XXXX ( XXXX ) My daughter is XXXX XXXX My son is XXXX XXXX XXXX is XXXX XXXX We have all tried to close a CD that 1/4 was gifted to each of us. 
Synchrony Bank will not cash out my son XXXX XXXX his 1/4 of a CD account. Although XXXX XXXX sent in paper work per their request he called Synchrony Bank AND they advise XXXX XXXX they did not receive it. I have had to cash out of other accounts with Synchrony Bank along with my family members. We have all been in tears dealing with this bank. Number one there is no Brick and Mortar. 
# 2 Process is time consuming and extremely stressful reducing 3 of the family members to tears dealing with them. 
I have documentation going back to XX/XX/2022 all the way till today. requesting these account be liquidated. It took me 3 months to get my share out and tons of paperwork, redo paper work and emails. They do not respond to emails. They do not answer the phone. We are still trying to cash out of one account and they refuse to give it us.
Product: Credit reporting

Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me.
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 


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: Credit reporting or other personal consumer reports

Credit control corp is reporting on my credit report a collections account. I have asked them over and over to send me information to verify this! They will not and I want to see it in writing! I have called XXXXXXXX XXXX, the original debt and they will provide me with nothing as well! They come off of my credit and then jump right back on! This needs to stop. I have contacted the credit companies as well. It is hurting my credit and is not fair at all. It is not just them I have had all of these that will not remove!
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to the Bank of America branch at XXXX XXXX XXXX XXXX on XX/XX/XXXX with two {$100.00} and one {$100.00} bill of worn money. I was refused the service of unfit money exchange and the teller asked me to XXXX for solutions. 

The bills I wanted to exchange are only slightly worn. They should definitely be categorized as unfit money according to XXXX XXXX XXXX The pictures of the unfit bills are attached.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion regarding their failure to address my dispute letter sent on XX/XX/year>. In the letter, I requested an investigation into numerous inaccurate items on my credit report, including accounts such as 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. 

Additionally, I disputed incorrect personal information listed on my credit report. 

To help TransUnion verify my identity and address, I included copies of my photo ID, social security card, and a recent bill. 

However, I received a response from TransUnion dated XX/XX/year>, stating that they couldn't process my request because it didn't appear to have been sent directly by me or a properly authorized third party. This response indicates a failure on their part to conduct a reasonable investigation into the accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as evidence of their failure to adequately address my concerns.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY DISCOVERED THAT SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN GOODS USING MY IDENTITY, HERE ARE OVER 12 FRAUDULENT ADDRESSES THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT. I HAVE CALLED XXXX FRUAD DEPT MANY TIMES AND EXPRESSED MY ISSUIE WITH THEM BUT THEY HAVE REFUSED TO REMOVE THE ADDRESSES OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
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

n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 ( they may only report crimes, not debts ) 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: Mortgage

XX/XX/18 XXXX CST Trouble again with the website and making a payment with Specialized Loan Servicing https : //www.sls.net/ 1. Their new provider " Official Payment '' web page gives an error message of " DDA contains invalid character '' This prevents me from making a payment.

2. Calls to Customer Service tell me to send it through my banks bill pay. ( risking it being late ) 3. Customer Service refused by two different customer service reps to drop the fee to pay over the phone.

4. Customer Service also explained to me that they have now added a {$12.00} fee to pay from my bank account online. It used to be free. No notification sent.

5. The only option is to send in a paper check for no fee.

6. When I asked if I needed to put in a ticket and report the website error to Tech support, the customer service lady stated that there was no system for reporting those errors and that she would pass the information onto her supervisor. She didn't seem phased and it felt like she was giving me a line.

7. The company reps did not state that they were working on the known website issue. The attitude was that they didn't care. This is very concerning because it is the main method of payment for our mortgages.

8. This is the 2nd time in a year I have experienced changes and problems with making payments to SLS Mortgage Servicing. Previously I went for several months of not being able to log in and obtain any information on my account. They did not care.

This company needs to be watched. Side note I am current on my loan and I don't pay late. Thank you for taking the time to review this. XXXX
Product: Credit card

They provided me with information that does not address my concern. I asked how to setup an external account so that I could pay them and they sent me some information on how to pay a bill. I have literally spent over 15 hours calling and holding on the phone. I have not been able to set up an external account. 

The customer representative told me to download a mobile app and ask " XXXX! '' I was also told to go online and add the account, but the feature appears to be disabled on my account. So, I just received the first statement from them on yesterday, I am on the site and I still can not add the account.
Product: Vehicle loan or lease

XXXX purchased XX/XX/2021 From XXXX XXXX XXXX. Then the dealership calls me and tell me after the deal is done a day later saying that XXXX let the loan go back and I had to bring the car up there to resign another contact with another Leinholder they claimed they claimed the interest rate was to high so they had to get me out the contract. So I had to drop the car off there and wait for another deal. They called me and said that the new contract is ready and I can come down. I then went down to the dealership to sign the other contract. I didnt get copies of the original purchase agreement. I ask for copies never received anything. My new leinholder is flagship credit acceptance and they have been harassing me and my family. They unlawfully repossessed my car on XXXX XXXX. Their is know debt owed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX  XXXX - XX/XX/year> :
Product: Credit card or prepaid card

I made a purchase from XXXX on XX/XX/2022 for {$500.00} under order # XXXX. The order never shipped, so I cancelled the order, however, I was still charged for this purchase from Klarna and the full amount was deducted from my checking account. I contacted Klarna and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact XXXX to resolve the issue with them. I then contacted XXXX and was told that they notified Klarna of the cancellation and Klarna is responsible for the refund of my order and that I would need to contact Klarna for a refund. Klarna and XXXX need to talk to each other to get this resolved. Neither company is taking responsibility and I would just like a refund of my {$500.00}. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
Product: Credit card

I obtained a Care Credit card in 2007 at the vet when my pet was XXXX. The interest rate was supposed to be reasonable and I had a small income that should 've covered the payments. Later on I had my own urgent health issues that were n't covered by medicaid. I lost my job and my financial aid ran out. Someone I knew took my XXXX card and used it without my knowledge. I was homeless and my ex threatened me to keep me from applying for child support. I explained my situation to the Care Credit representatives but their only response was to raise my interest rate to 29.9 %. I made payments on the debt but the amount owed only increased. My credit was ruined and I was forced to file bankruptcy because after 8 years, the Care credit was still on my credit reports several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following account that do not belong to me : XXXX XXXX XXXX  account XXXX
Product: Debt collection

This company is trying to collect on a illegitimate debt that XXXX XXXX XXXX claims that I owe. I always paid the dentist my co-pay and I always had insurance whenever I went to this provider. Sometimes I would have to pay many hundreds of dollars to this provider, sometimes over a thousand dollars. I always paid my dental bills in full at the time the service was rendered. This claimed debt is completely illegitimate. I believe that I informed the debt collector, CHOICE RECOVERY INC, of these facts. If this item continues to remain on my credit report, I intend to sue both CHOICE RECOVERY INC and XXXX XXXX XXXX for slander of credit.
Product: Credit reporting or other personal consumer reports

I need your support to address an incorrect account on my credit report. This issue has negatively impacted my reputation, and I require your help immediately. Your improper reporting has caused immense XXXX, and I need these mistakes corrected to ensure peace for my family.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : 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: Money transfer, virtual currency, or money service

We reported it as a scam. They said they would look into and there was nothing they could do. The reported it to the other persons bank and said maybe they would do something but they never did and we never heard from them. it was a fake XXXX.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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

There is a late payment on my credit card reporting from XXXX. They bought the Credit Card section from XXXX XXXX. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXXXXXX XXXX for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX despite the fact I paid the Credit Card with XXXXXXXX XXXX before it was transferred over to FBT. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the PFCP. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with  XXXX   XXXX  and I recently checked my credit scores with in the last few weeks and noticed my Equifax score dropped over a  XXXX  points with no explanation.
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 customer 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.