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

I signed up with SeedFi to repair my credit back in XX/XX/2022. Everything was great including the business concept and their promise to their customers. As part of the contract, {$750.00} will be credited to me and I need to make payments of {$100.00} every XXXX weeks. Every time I make payments, it will help me gain scores on my credit. Another benefit is, after I fulfilled the loan, I can withdraw the savings. During the course of my contract, I have made XXXX payments on time, a total of {$1900.00}. 

They usually send texts to let me know that my payment was successful. But after XX/XX/2022, I havent received a text that I made the {$100.00} payment. So I logged into my account to check. First thing I saw was the XXXX points on my credit score. Not only that, but they apparently sold my contract to a collections company called XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) without my knowledge. Now, XXXX is showing that I owe them {$3000.00}. And they dont have any savings plan like what SeedFi had. This is a criminal act, SeedFi is not an honest company! I emailed SeedFi that I want my contract to be nulled and be refunded since my contract is with them and not with XXXX. They can keep the {$750.00}, I asked for the rest to be returned to me. Instead, they acted as if they have nothing to do with me anymore, that I have to deal with XXXX. I emailed XXXX XXXX times but as if today, no response. 

This has been a very stressful situation for me and for everyone else that was under the contract. SeedFi and XXXX should be fined, they mistreated their customers to the levels I have not seen before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX 0 % paid off Balance {$1400.00} Balance updated XX/XX/year> Original balance {$1400.00} Account info Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 {$15000.00} Needs Attention Overview You have 100 % left to pay on this real estate loan. 
Balance $ XXXX  Monthly payment Opened Term Highest Balance {$1600.00} {$0.00} XXXX XXXX, 2024 ( XXXX mos ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX details 0 % paid off Balance {$7400.00} Balance updated XX/XX/year> Original balance {$7200.00} Account info Account number XXXX Date opened XX/XX/year> XXXXXXXX
Product: Mortgage

I have spoken with someone at the rocket mortgage about removing my PMI they said that FHA requires the PMI but I spoke with someone at FHA and they said that's not true they do the MIP so rocket mortgage is lying to me about certain things and that not willing to remove the PMI for whatever reasons and it's very confusing and I'm not understanding why so I need some help here I've never been late on my payments at all always on time and my value of my house has exceeded the amount of what the house is worth and they have that as well. It's making it very hard for me to make my payments it's going to be so bad to where I will lose my home if this does not be removed I do not want to lose my home I do not have that time to lose my home so I need some help to have the PMI removed thank you.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center failed to perform due diligence regarding the incorrect information in my credit report. I have kept all our correspondence, which can prove this. If this complaint does not lead to them contacting me and correcting the errors in my credit report, I will file a lawsuit in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says XXXX XXXX XXXX,, open on XXXX XXXX.i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  is also on my credit i have tried and tried to dispute this account, but no luck XXXX
Product: Checking or savings account

XXXX XXXX Citibank closed my account with no legitimate reasoning. Nevertheless, they placed a blocked on me being able to recover my funds in my account in the amount of $ XXXXAs of now the account is still closed and they have not given me my money they told me over the phone that I could go to the bank to recover my account funds. Got to the bank for the banker to say that I wasn't allowed to recover my own money without reasoning and that I had to wait on a letter and 60 days. XXXX XXXX I received the letter in which the letter states that I am able to in fact recover my money from a branch yet I still am unable to receive my funds.
Product: Debt collection

This problem started with one of my business with XXXX XXXX XXXX. I have several businesses with them and they are all in automatic draft, I never had an issue and I always paid everything on time. When the pandemic happened we shut down several locations, but we continued to paid our bills, this location was one of them. Not sure what happened with the account for this location that they stopped drafting the money, they never contacted me, and it appear that they had the contact from a disgruntled employee of ours not me. Now I find out on my credit report I have a collection for an amount and try investigating and its related to the account which I had no idea about. 

I contacted XXXX to see why is that charge, but XXXX can not give me any information since they sold the debt. I contacted the debt collection agency to see why they are charging that amount on my credit and how they got my personal information to hit my credit when this was a business account, but they have not given me any information, all they say I have to pay if I want that to go away from my credit. I filed a complaint with XXXX and they said its resolved and the debt is valid and they can not do anything about it. Now my credit is damaged, when I had a perfect score, and i can't dispute anything. They never contacted me to provide me proof of any debt, not even sure what contact information they have on file. 

I believe they use my personal information when I signed up for my house and added that information to my business information in order to report it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a letter asking for the investigation report and never received one it has been more then 30 days and this is a violation of my rights
Product: Mortgage

Submitted a prior CFPB complaint that was closed on XX/XX/XXXX. 

The companys response did not address or provide clarity on any of the specific details regarding repayment options I provided in my original complaint. Please review. 

The Federal Housing Finance Agency, which regulates XXXX XXXX and XXXX XXXX, says that borrowers in forbearance whose loans are backed by the two mortgage giants " are not required to repay the missed payments in one lump sum. '' The CARES Act mortgage forbearance rules govern the servicing of my loan in this situation. 

Strangely worded survey was sent out to mislead on XX/XX/XXXX. 
Cant get access to website to review account. 

Photos attached.
Product: Credit reporting or other personal consumer reports

Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ending in XXXX / XXXX When I was trying to finance a car last month, I found out that I had a charge off from XXXX ( XXXX ). I called XXXX and was told it was charged off but that if I paid the amount, it will show paid but that the charge off will still stay. I was in disbelief that this store would have their cake and eat it too! I asked for a copy of the XXXX and a signed credit card agreement but they said they don't issue those if they're below {$600.00}. This is wrong and malicious. Without disclosures and proper reporting, how could they put negative reports on my account. This willful and unfair business practice has caused me loan denials and have damaged me financially as my credit score has dropped to XXXX. Please help me obtain the XXXX and signed agreements with XXXX, so I can forward them to the proper authorities for legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry 1.XX/XX/XXXX 2.XX/XX/XXXX by this company that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. I understand that nobody should be allowed to put an inquiry on my credit file unless I authorize it.
Product: Credit reporting or other personal consumer reports

I have attempted to file a dispute via TransUnion 's website and mobile website, and not only does the website not load but TU 's website said it was not able to process my request online, not giving me the reason why it was not able to process my request online. I was instructed that the only options available to me were to file a dispute by calling TU or submitting one by mail. TU is operating its website, with its inability to process my dispute request online and that it is consistently does not function to allow quick, easy and convenient access to my credit file, is operating in an abusive and deceptive manner. TU is knowingly, intentionally and deliberately not providing services and functionality to me to allow me to dispute inaccurate information on my credit report. Each time I call to speak to a live agent to assist me, there is, at minimum, five minutes of automated system prompts and up-selling of TU products, including its fee-based credit monitoring service and its text message-based options to communicate with TU. TU also employs online foreign, offshore and customer service representatives not based in the United States. As a result of TU 's customer service representatives, consumers are forced to speak to agents whose XXXX is often incomprehensible, making it virtually impossible to conduct business related to my TU consumer credit file. When speaking to representatives, TU 's offshore, foreign customer service representatives are rude, abusive and will often disconnect the call at their whim without warning, because they are frustrated. When asking to speak to a United States-based representative, I have been instructed the representative will complete a " call back '' form and that a US-based representative will return my call within 48 hours. Once more, TU is using abusive and unfair practices to deny me access to my consumer credit report -- and to correct errors on it that have affected my credit score and credit worthiness. My credit dispute, that I am demanding TU  investigate, is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$7100.00}. This account now has a XXXXXXXX  balance and is paid in full. I have attached copies of my payment receipts that show I now paid this account in full. TU must update my credit report to reflect this, and TU must also update my TU Vantage credit score to reflect the decrease in credit utilization.
Product: Student loan

At this point in my life I am realizing that I will never in this lifetime be able to pay off my student loans. There is no exit strategy or repayment option that will ever work. Furthermore after years media coverage on the issue, I am realizing that I have been steered in the wrong direction several times by the loan company. They have almost forced me into categories several times being forbearance or payment plans. My best interests were never a concern, it was always about them. I know I am just one of many situations like this. They have never been clear about their policies nor have they communicated any real options in the past. Had I known of certain options previously, my loan situation may very well be different today. It is a trap set up for young people trying to make a future ... too bad its a future of paying off debt to the mob that is loan companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

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: Credit card or prepaid card

Company presently has me blacklisted never once an issue with them. Multiple supervisors advised I should not be encountering any issues based upon what they see and i was enrolled in this by error. Each states they submitted request for expedient removal of holds with 2 of them advising former accounts would be reopened that never happened. 

A simple XXXX search will show this is a very common practice. I pay early every month one of the cards has a {$0.00} balance and still crazy
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Capital One customer since 2016 and during that time, I have enjoyed my experience with Capital One greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XX/XX/2016. Since that time I have been an exceptional customer paying early every month and have been rewarded by Capital One with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Capital One is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Capital One. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital One has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new consumer background check report on XX/XX/2022 and it had an address that Ive never lived at. 

I havent mentioned it to the company yet.
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXX Mortgage reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Debt collection

They are calling my work- General Revenue Corporation XXXX they should never call your work no debt collector should ever call your work
Product: Money transfer, virtual currency, or money service

Cash App My Debit Card from XXXX XXXX XXXX was stolen. The their used the card to make numerous unauthorized purchases within hours None of the retailers checked for ID allowing the thief to use over {$1200.00} with a POS attended checkout. 
The stolen debit card was linked to my CashApp account. On XX/XX/2021 I received my first online paymrent. Within minutes my passcode was changed and a payment was completed by me for {$200.00}. I did not initiate the change or payment yet with overwhelming evidence, Cash App refused to reverse the payment. There is now way to contact them directly. Each time I tried to address the issue, I had to review the entire situation with a totally different and uninformed agent who had no idea what I was referring to or even my documented account info. CashApp still decided that I had no evidence and initiated the payment. They will not even consider reviewing the case again after the thief contacted me and had details no person should have had, gave me contact Information - still no budging and no assistance. I also have several witnesses Cash App has allowed themselves protection and not provided any for me They refuse to actually research and attempt to reimburse victims of the customer they promise. 
Attached receipts, logs and journal screen hots
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent MULIPLE certified letter disputing inquiries on my credit report for fraud and unauthorized. They have still NOT been removed after several months and years. I have asked all credit bureaus nice and demanded these be removed for fraud or unauthorized inquiries and they still have not been done.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

Experian Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to Experian! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX