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

Thank you for taking the time out of your day to read this message. My name is XXXX XXXX XXXX and I consolidated all of my student loans in XXXX of XXXX with XXXX. However, I pulled my credit report in XXXX of XXXX and discovered that the XXXX Department of Education is inaccurately reporting that I have a XXXX-day past due payment which was reported to Equifax in XXXX of XXXX. This should not have been reported on my credit. I disputed this inaccuracy in XXXX, XXXX and XXXX of XXXX and have seen no change. Since my last dispute, I now notice that Equifax is reporting that I have an additional XXXX-day late payment due as of XX/XX/XXXX. The sad part about all of this is that the loan was closed in XXXX of XXXX which is accurate and listed on the credit report. How is it that the loan was closed in XXXX of XXXX, but I was past due by XXXX-days in XXXX of XXXX and XXXX of XXXX? If this loan was closed in XXXX of XXXX, there should be no late reportings after that date. Prior to my disputes, I called the US Department of Education and was able to speak with several people ; however, they all refused to help me, and I was hung up on several times. These inaccurate reportings have decreased my credit by over XXXX points which is affecting my life in a negative way. It seems as if these inaccurate reportings may be due to my name, which is indicative of my race. This potential profiling seems to be halting corrections on my account by all parties involved : US Department of Education and Equifax. I tried disputing the inaccurate reportings several times and it just keeps getting worst for me. More and more inaccurate reportings keep appearing on credit. I dont know what else to do. The US Department of Education and Equifax refuses to do anything to help me. I have no hope in either company and can only hope that these issues could be rectified as soon as possible by the Consumer Financial Protection Bureau. Please see attachments for evidence of my claims. 

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

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.
Product: Debt collection

The company had placed a balance on my credit alleging I owe money to a previous property management company. When I moved out the unit I not only moved out before the next rent was due but I had a security deposit left up there that is way more than the balance they alleging I owe on top of which I have not received one call or letter from the actual company stating I owe money.
Product: Money transfer, virtual currency, or money service

He sent me an amount of XXXX usdt on my wallet in Coinbase, and now they refuse to withdraw the amount. They say the currency is fake, and it is in my wallet, and I can not withdraw it or send it to another wallet, noting that the date of the transfer is on XX/XX/2023, and this is the transfer link for confirmation as well. 
XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair an deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report as I normally do, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but it wasnt. The inquiry remained. I'm extremely frustrated by this and demand that the documents I submitted be thoroughly reviewed to ensure this never happens again.
Product: Credit reporting

I had a XXXX Credit Card Account opened XXXX and closed and paid in full XX/XX/XXXX. As of today Transunion Reporting Agency has my account in a negative status. This account always had a positive reporting on Transunion. Now like I stated their is negative information showing on Transunion.
Product: Debt collection

Citi Bank credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this Citi Bank credit card would not work with me. XXXX owed was {$6900.00}. For the past 4 years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied by XXXX XXXX XXXX and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXXXXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent account. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX, I filed a dispute with this credit reporting bureau about the unverified account XX/XX/XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXX XXXX you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

ACCOUNT IN QUESTION : SALLIE MAE XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on XXXX here 's consumer report. 

XXXX here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency Sallie Mae has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Debt collection

I keep receiving phone calls about debt that I have no knowledge of, I have asked for validation that this debt is accurate and have tried disputing to no avail.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX 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

Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act the following creditors violated my rights under the 15 USC 1681 section 6 o 2 states " I have a right to privacy ( 15 USC 1681 section 604 states a consumer can not furnish an account without my written instructions under 15 USC 166b, my XXXX account, XXXX  XXXX XXXX, XXXX XXXX, and Navy Federal. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector may not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from XXXX demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Product: Credit card or prepaid card

Hi I have a complaint about American Express serve. I had to Oder a replacement card as mine was damaged upon doing so I have received my card but now the keep telling me that my account is under review it would be 1-2 business days and this was on XX/XX/XXXX I called again today XX/XX/XXXX and was told that they would send another email to the investigation team that they still have not received any fees back I just want to be able to prove its me trying to use my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my equifax credit profile which I have only applied for credit once in the last year. I went to apply for a new credit card from my bank and was denied to inquires. I pulled my report and saw 19 inquiries. I filed several disputes via phone and online with equifax which they refuse to remove. I called the police as well and nothing has been done. This is not fair. These were fraudulently done, I now have security notice that to open any accounts the credit company must call me to verify if its me. This is such frustrating situation. Please help!
Product: Credit reporting or other personal consumer reports

I have no problem with the my mortgage, my problem is that Mr. Cooper will not accept my current homeowners policy with XXXX when my policy expires on XX/XX/XXXX   due to a low rating from XXXXXXXX XXXX XXXX. XXXX is in the process of being purchased by the XXXX XXXX XXXX XXXX California and the purchase is expected to be completed by the end of this year. XXXX XXXX XXXX gives them a A+ rating. I have contacted Mr. Cooper several times at XXXX. The last employee, XXXX ( no last name or company I.D . provided ) stated that I have no other choice but to get new insurance, that some loans with XXXX will not have to deal with this problem until next year depending on when their insurance policy is due. I advised him that Mr. Cooper purchased my loan, I did not obtain it from them. When I asked to speak to a supervisor, my request was denied and that this was a Mr. Cooper decision. Surely a company of XXXX employees do not all report to the CEO/ XXXX XXXX XXXX Surely their must be some form of layered management. Do you know how difficult it is to get homeowners insurance in XXXX California?
Product: Mortgage

My mortgage was sold to Ditech Financial last year when I refinanced. I have had issues with them responding to any questions I send. I have asked if they were going to assess my account as the previous company had done to ensure that the payments going into escrow will cover taxes/insurance. I got a letter stating they were looking into it. Then I got a letter stating that they were not supposed to assess my account until next year but they were going ahead and assessing it. That has been a few months ago. After I got that letter, I sent another message and explained that I was n't asking them to go ahead and assess it, I was just asking if they ever assess the accounts. I did n't want to owe a lump sum because they had not assessed it. I got another letter in the mail stating they were looking into it. I got my statement for the XX/XX/XXXX payment and the payment amount has gone up by a few dollars but there is no explanation and nothing to show they have assessed my account. I have had a lot of problems getting any response from them and if I do, it 's months later. I do n't know what agency is best to report them to or to try to get help from. I want timely answers to my questions. I have had a few previous mortgage companies and they always responded within 48 hours most of the time less than 24 hours and this company always mails letters stating they are looking into it so it 's always a few months before I ever get a response. I have sent another message and asked why the payment went up and expressed how I hate getting letters in the mail stating they are looking into it. I also explained that I hate that it takes a few months to get a real answer. I am so unhappy with this company that I put a note on every message and payment to please sell my account to someone else who has better customer service. I do n't understand not being able to get quick answers on my account. If this is not the place I need to report them to, please tell me what agency I need to contact for help. I am looking at refinancing just to get away from this company. 

Thanks for any help, XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. 

This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. 

In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. 

At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. 

After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I  called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. 

This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted a complaint to the XXXX  and CFPB on XX/XX/year> in regards to the breach of contract and of my payout. I still have not received my payout. Per the Self financial app, I was suppose to receive my payout XXXX business days after completing loan amount. I made my last payment on XX/XX/year>. Ive made several attempts to resolve this issue via phone calls and emails to no avail, Self has stolen my XXXX and refuse to release it to me. I have included the signed contract between Self Financial and I, which DONOT state in the signed contract that at anytime I have to submit an ID or documentation to start an account or after completing the loan for payout. Self Financial also sent me an email which I included stating that the review process can take up to XXXX  days and after that the funds will be released on XX/XX/year>, its been over the stated 90 days. Self Financial is in breach of contract and is committing Wire Fraud against its customers like myself. Self financial have already been sued before as well. They are constantly changing their contracts to cover their end while defrauding their customers. RELEASE MY MONEY NOW!