23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance. 

It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXXXXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.
Product: Credit reporting or other personal consumer reports

Check on my credit because i got and alert and noticed i had all these hard inquiries on my report that i didnt authorized.
Product: Credit reporting

Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...
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 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  has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$82.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX -BALANCE {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to all 3 Credit Bureaus XXXX XXXX Transunion In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my report. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXXXXXX # XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!
Product: Debt collection

Being sued by portfolio recovery for a credit card debt over 7 years ago an to refund the payment of XXXX, if not paid will be processed as a credit card fraud or failure to pay,
Product: Money transfer, virtual currency, or money service

CashApp refused to honor regulation E of the Federal Reserve Board and denied my claim of fraudulent manipulation in a XXXX scam. I trusted the company as a fiduciary and custodian of my funds to help me when their XXXX exchange service that they facilitate was used to misappropriate my legitimate funds. A scam caller pretending to be my bank coerced and scared me into transferring money to CashApp to stop an impending large debit which the fraudster used to purchase XXXX  and export without a trace. Below totals to over {$2300.00} in lost funds not helped or honored by CashApp in this grand scheme. 

XXXX/2022 - XXXX/XXXX/2022 - {$2300.00} in external transfers that they would not shut down after being alerted of fraudulent takeover and revocation of authorization for a user. CashApp refused to help me further and now my bank is exiting relationship citing me as a high risk customer and closing my account. Please help me reach out to CashApp to recover my hard - earned money. I reached out to them XX/XX/2022 the same day and they refused to help me saying check our FAQs to mitigate fraud. BEWARE!!! Next is to file with the SEC.
Product: Mortgage

To whom it may concern, On XX/XX/XXXX, I received a statement and was informed the payment would be changed from XXXX to {$8800.00} from XX/XX/XXXX for 25 months ( - {$12000.00} as shortage ). I also found out the calculation of the escrow balance was wrong. Chase escrow department has miscalculated on purpose for over seven years since XX/XX/XXXX. My escrow balance should be {$37000.00}. 1. XX/XX/XXXX : {$11000.00} Total amount of escrow I paid ( XX/XX/XXXX - XX/XX/XXXX ) : {$200000.00} Chase paid tax and home insurance from my escrow account : {$190000.00} The surplus of my escrow account is {$11000.00}. 2. XX/XX/XXXX Temporary Modification : {$19000.00} XX/XX/XXXX : Chase charged the county property tax twice. ( {$18000.00} ) Fee extra charge : {$540.00} 3. XX/XX/XXXX Permanent Modification : {$6400.00} Overcharged Escrow Advance : {$6400.00} 4. I paid {$480.00} more for the payment of XX/XX/XXXX 5.  Total surplus amount of 1, 2, 3, and 4 is {$37000.00}. 6. The discrepancy of the balance is {$49000.00} Therefore, I dispute {$12000.00} as shortage of my escrow account. Chase has been playing around and cheating with my property tax and document fees for over 7 years. I have been calling the customer service, the escalation department, and the executive office for over two months. I have contacted over 30 representatives, but they did not listen to my claim. I urge Chase to correct miscalculation immediately and the surplus amount should be applied to my principal. At the same time Chase should adjust my monthly payment. On XX/XX/XXXX, Chase informed me that there was no mistake and Chase would not adjust the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been provided a copy from XXXX 's showing there was no money owed before they did half the update to this account. First they had a balance owed and showing a Charge off. 

There was no charge off as stated on my credit report XXXX/XXXX/2017 File Number # XXXX that was mailed to me there should be no charge off first you had an amount owed now its a charge off there no where on the letter that show nothing that Transunion has showing There was no charge off as Transunion has showing I 'm also filing with the FTC about your information and updating accounts right after proof has been sent to Transunion
Product: Money transfer, virtual currency, or money service

I have tried several times to clear this up with cash app. I don't know how many times i have repeated myself telling them that XXXX XXXX can not investigate cancelled transactions or why they keep telling me to go to XXXX XXXX  about this i mean not being able to investigate a cancelled transaction said it all for me was very logical. So as stated in our conversation i want cash app to do the investigation they say they can do provided the BANK CAN NOT LOCATE MY FUNDS. It's pretty obvious they can not locate my funds just from the statement of CAN NOT INVESTIGATE CANCELLED TRANSACTIONS! But cash app REFUSES to do the investigation every time gets very rude i even had XXXX lady basically call me a liar and said the funds were in my account. I'm sure they think it's because i filed unauthorized use BECAUSE THEY DIDN'T HAVE A MISSING CLAIM FORM AND I WAS TIRED OF MY DISPUTE BEING DENIED. And if they did any party of their job they would see in the details of the unauthorizedl use form i SPECIFICALLY ASK FOR THEM TO FIND MY MONEY FROM THIS TRANSACTION! But no one will go beyond telling me they contacted the payment processor and confirmed the transaction was sent successfully no error occurred! Maybe they need to ask their PAYMENT PROCESSOR what happens when the payment is sent successfully no error but it's then cancelled because i don't think cash app knows they are going by what someone says BUT I STILL DON'T HAVE MY XXXX MONEY AND THEY ARE THE ONLY ONES THEM AND THIS PAYMENT PROCESSOR ( which i thought was cash app in the first place ) ARE THE ONLY ONES THAT CAN FIND AND RETURN MY XXXX MONEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist Bank assumed an installment loan for a truck I purchased from XXXX XXXX XXXX around XX/XX/2019. However, Truist Bank has inaccurately reported the credit status for this account to all three credit bureaus over the last ( 4 ) four years. This action has had a negative credit impact caused by ambiguity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX Equifax XXXX : XX/XX/2022 - XXXX - XXXX XXXX - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and Equifax can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated.

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties.

The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

Please keep me informed about the progress of this request and provide any updates or additional instructions as necessary within 10 days of this notice. I appreciate your attention to this matter and your commitment to upholding fairness and justice within our legal system. 
Thank you for your time and prompt attention to this important request. Please do not hesitate to contact me in writing at the above address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Mortgage

We currently have a home equity balloon XXXX mortgage with BMO Harris Bank. We have paid this loan for 10 years and we have never been late or missed a payment until this point. XXXX XXXX lost his job XX/XX/XXXX and XXXX XXXX also is not working. As a result of our financial difficulties we could not pay the new balloon payment which went into effect XX/XX/XXXX. When we took out the home equity loan we were lead to believe that if we were unable to pay the balloon payment amount the loan would be re-set to interest only as long as we were current in our payments. 
BMO Harris purchased our loan from XXXX. We contacted the BMO Mortgage Dept. to see if the loan could be refinanced. BMO Mortgage informed us that because our credit had eroded due to our current financial difficulties that there was nothing they could do and referred us to the BMO Loss Mitigation Department. At the time our loan was not delinquent. The BMO Loss Mitigation Dept. informed us that there was nothing they could do because the loan was current. They went on to say that only after we were delinquent could they work with us on a solution and loan modification. They also went on to say that our credit score was going to be negatively impacted because they were going to report us as late to the credit reporting agencies. 
We have been working with the XXXX XXXX XXXX XXXX. They are a HUD certified mortgage housing counselor. ( Attachment ) XXXX advised us to first work out a plan with the XXXX mortgage holder and then work with the XXXX mortgage holder. XXXX recommended that approach based on the fact that we could not commit to a payment plan on the XXXX mortgage when we did not know what our XXXX mortgage payment would be. As a second mortgage holder we told BMO that we were first trying to work out something with the XXXX mortgage company before dealing with the BMO XXXX mortgage because until we knew what our first mortgage payment was going to be it was not possible to commit to a payment plan with BMO that we might not be able to maintain. ( Attachment ) However BMO has not been sincere in trying to help us with a XXXX mortgage modification. After we got a loan modification from our first mortgage holder we notified BMO and they filed a " Notice of Foreclosure ''. ( Attachment ) BMO is not working with us in an honest manner. They are continuing with a foreclosure while making unreasonable documentation requests within a limited time frame. ( Attachment ) The foreclosure notice was only sent to us and our condo association. Sending the foreclosure notification to our condo association was not a legal requirement on the part of BMO. They notified our condo association of the foreclosure in order to embarrass and intimidate us. We think BMO is using fear and intimidation toward us because we are XXXX, XXXX and have a large amount of equity in our home. BMO Harris wants to railroad us into foreclosure with a minimum amount of effort toward modifying our XXXX mortgage even though we had an excellent 10 year history in the past.