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

XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To Experian they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To Experian they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and Experian allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and Experian continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice intent to sue due to defamation of my character publication of information inaccurate negative items on my consumer report. I have been Identified by state denied credit. Remarks negative impacting my reputation, Publish information is Demonstably False and Credit Bearues are at fault.

Notice Intent to sue due to Violation of my rights 15 U.S. Code 1681s ( 2 ) ( b ) Failing the requiment to delete inaccurate reporting after reinvestigation, which congress designated with private cause of Action. 

Account : Open XXXX  XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX Credit XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX phone numer : XXXX Phone Number : XXXX Job I dont not work for and never have been associate with XXXX XXXX XXXX XXXX XXXX XXXXXXXX address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is being reported illegally. I have the right to 100 % accurate reporting. Because of this company 's inaccurate reporting, my credit score is lower than it should be, and I am also being denied for loans. I have never had any dealings with, nor have I made any agreements with NCB for them to be reporting anything. They are breaking the law and need to furnish me with the agreement that was made with me.
Product: Credit reporting or other personal consumer reports

Multiple accounts are apart of litigation. I have disputed with Experian multiple times and they continue to close out my dispute without any changes within 24 hours. They have not sent me any information as to why they are closed out without being removed as these items are inaccurate and they refuse to remove them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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

I was offered a forbearance due to COVID by XXXX XXXX XXXX  and told that I would not be penalized. However, Experian lowered by credit score as a result and I was penalized for the forbearance with XXXX XXXX after being told that I would not. It is unfair to lower my credit score when I have never been late nor had any issues with my mortgage. I believe that I was misled and told that I would not be penalized when in-fact I was with a lower credit score by Experian. I should have been informed that my score would be lowered as a result of taking the forbearance. My credit score was lowered around XX/XX/2021 but never lowered prior to this time by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXXand Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I opened a Citi bank account and deposited a money order from XXXX and my account was flagged as high risk and closed. A money order I payed for myself and wrote to myself to be able to make a first deposit as a check deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried multiple times fixing this issue with affirm and they keep neglecting me I have a baby o the way and told them this affecting my future with my family and even trying to get a home I started using affirm for XXXX present and they're was a XXXX present I bought through affirm that I never received so I opened a dispute with them affirm did not but got me late on payments neither did I have the option to pay for the shoes so I don't get late and mess up my credit they're app is faulty and makes people miss payments due to open disputes on purpose during the dispute I asked them would this affect my credit and they said no I waited and waited for them not to get my money back even after which made me have to pay for the shoes in full that I never received and then the dispute got me a missed payment on my credit report I tried 4 times to have them fix this and all they do is tell me to call XXXX when they messed up my credit and dropped me XXXX points for they're neglect while am going through hardship and covid they need to fix this has a goodwill I only have one account with them and they have it on my credit like I have 5 accounts. fix this,
Product: Credit reporting or other personal consumer reports

I sent a payment to previous mortgage holder XXXX XXXX at time loan was being transferred to XXXX. There was a delay in transfer and recording. I had talked to XXXX and they said it would be OK. It wasnt. I later received a ding. I am not in agreement with that action. I spoke to XXXX again and was to receive a call or response in a couple of days. Called a second time on this and filed info online. Still waiting. It was interesting that in one conversation the XXXX  XXXX XXXXacknowledged the frequent occurrence of late recording. I need the matter addressed and mark removed. XXXX you
Product: Credit card or prepaid card

This was not the same complaint. The day they received the first complaint, they added another XXXX, with that doubling the amount they defrauded me with. 
1st # XXXX XXXX # XXXX They made you believe they found the payment. Never took off the 2nd fraudulent XXXX. So I paid it, even tough I did not owe it. 

Today, 2 weeks later, they came back and added the 2nd XXXX dollars again. I paid my card off. I did not owed XXXX dollars. 
This is fraud and they still try to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request to the Credit Reporting Agency to remove the reported address from my Credit File since these addresses are not my legal address. I never received any mails in this address and and must be removed as soon as possible. Once again, I am requesting that you remove the following address as soon as possible :
Product: Money transfer, virtual currency, or money service

( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was initially contacted by XXXX XXXX of FBCS about one week ago. He identified himself as a debt collector on a private student loan ( bar exam debt ) that I believe I settled/discharged with a different collection agency several years ago. This was the first time I'd heard anything about that loan in years. Nonetheless, I was very cordial with him and requested something in writing documenting the amount FBCS asserts is still owed. I provided an updated address. I have yet to receive any written communications, yet I have received daily calls from Mr. XXXX. 

I was notified by my mother, who lives in Ohio, that she received a call from Mr. XXXX today. As there was no reason to contact a family member under the regulations, I believe he was in clear violation of applicable law. My location was given and known by Mr. XXXX, there is no court proceeding and in fact could not be at this time pursuant to statute of limitations, and I certainly did not agree in writing or otherwise. 

It is my belief that FBCS is engaged in unethical and unlawful debt collection practices. I'd like to notify this agency in hopes that it will protect other consumers.
Product: Mortgage

AmeriHome ( XXXX XXXX XXXX  ) s not my choice of mortgage company. They bought my mortgage from the original lender. Amerihome does not allow me to make an online payment, does not allow me to remove or add auto pay. Everything has to be done by calling and waiting on the phone for 20+ minutes. 
I had autopay setup to avoid missing a payment and not being able to make it online. On XX/XX/XXXX, at approximately XXXX, I happened to login on my bank and noticed that the payment Amerihome pulled did not go through. Amerihome did not send any emails indicating that the payment had failed.

I transferred the funds, tried to make the payment online but I couldn't. I called and provided the approval to have the rep pull the funds.

I asked him to remove the autopay to avoid having Amerihome try to pull the payment again. He assured me that it would not happen, but I insisted and he turned off the autopay. I asked why I was not able to add or remove the autopay and he gave me a long explanation. 
On XX/XX/XXXX, Amerihome pulled XXXX payments and charged my account {$5.00}. The XXXX withdrawals caused my electric payment to be returned and caused the electric company to charge me {$25.00}. It appears only XXXX payment was returned on the same day. 

On XX/XX/XXXX, Amerihome pulled the payment again and charged me {$25.00}. 

I did not receive ANY notification from Amerihome that they were going to try and pull the payment again on XXXX or on XXXX as I would have called them to find out why since the payment was made on XXXX. 
Additionally, they did not have any rights to pull a payment after XXXX when the autopay was turned off. 
I corresponded with XXXX XXXX from Amerihome on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding the unauthorized payments pulled from my account. 

For XX/XX/XXXX payment I tried to make the payment on XX/XX/XXXX and XXXX on the website and I was unable to make the payment. I called on the same days, waiting 20 minutes both days before I hung up. ( I have a screenshot of my phone of the time I waited ) I emailed XXXX XXXX on XX/XX/XXXX and notified her that i would need to speak with her as soon as possible as I was not able to make the payment online, again! 

At XXXX, on XXXX, I called Amerihome, waited 20 minutes, to make the XXXX payment. I was told that I needed a certified check as I was delinquent on the account. I asked to speak with a manager and the representative insisted that it would not help. He eventually agreed to get one on the phone when I turned furious!

I decided to call XXXX XXXX instead and left her an urgent voice mail at XXXX. I did not get a call back and called her again at XXXX. I explained what happened. She claimed that she needed to contact the main office to remove the lock which would " allow me to make a one time payment online ''. I complained of the unfair tactics used to prevent from making a payment and stated they caused the delayed payment and caused me extra fees. She stated that she would " try '' and get the charges removed, but it was not my first time as there was a late payment in XXXX of XXXX. ( Please see my message sent through the website! )
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, XXXX, and Transunion and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. Transunion said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX   deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports
Product: Debt collection

The debt was settled for a pay for delete and I would appreciate a pay for delete goodwill adjustment to completely remove the debt for Ad Astra. 


As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 

Please forward your agreement to the address listed below. I would appreciate it if we could work together.
Product: Checking or savings account

I have had a online gaming merchant systematically drain mine and my fiancs cashapp accounts through multiple multiple purchases over a few months while I wasnt aware of mine right away she was and she disputed and got full refunds on all her unauthorized transactions.. and when I noticed mine had been victim to the same thing I disputed mine as well.. ( which totaled a whopping 300+ transactions for around 10,000 $!!! ) and through out there investigation they approved and refunded about 75 % and then denied the other 25 % these transactions ranged from 5 $ to 300 $ and wouldnt you have to know that the 25 % they have denied ( now 3 times in a row now deny deny deny ) they were the higher value ones of 50-100-300 $ and on top of that they had given me a provisional credit and I had transferred it to my main bank to keep it safe and sure enough they denied and reversed almost 2000 $ in provisional credits and made my account negative XXXX $ and closed my accountwhat can I do I have a enormous amount of evidence to support this fraudulent activity by cashapp and their blatant disregard for the laws and protections its not coming sorry
Product: Credit card

Hello, XXXX promotional offer advertised not fulfilled. 

I received a letter regarding a review of my XXXX XXXX XXXX credit card for limit increase dated XX/XX/2023. It was stated on the letter that although I met the spend and payment criteria, XXXX credit card services could not raise my credit limit at this time due to the reason that I have past or present delinquent credit obligations with the bank. 

I find this reason very lame because in the first place, I don't have past or present delinquent credit obligations with XXXX. This is once again another excuse from your bank to not increase my credit limit. I do have instances that I overdrew my checking account, however, it is an authorized transaction from the bank and I made sure that it goes back to a positive state. In terms of my XXXX XXXX XXXX credit card, I have been using it frequently and made on time payments since day XXXX of being approved. 

This bank makes many excuses and tactics to not increase customer 's credit limit even though the customer has met the criteria to be eligible for XXXX. 

At least XXXX should be considerate at this time and I find it very disappointing, unfair and ridiculous.
Product: Debt collection

I have attempted multiple times since 2018 to have AWA Collections vaildate this debt they claim I owe. Each time, the collection agency failed to provide me with validation for the debt. They continue to send me a bill from the orignal creditor stating this is their proof that it is my debt that I owe. No other supporting documents to prove this is my debt such as any documentation bearing my signature. 

Additionally, the letter they continue to send me that they claim is my deby, states that the charges owed total {$370.00} ( {$290.00} principal, {$76.00} interest ), and that an itemization of these said charges totalling this amount are attached. The itemization within these documents on the medical bill they continue to send me does not total {$370.00}. Rather, the itemization wihtin these documents clearly show a total of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax about some inquiries on my credit report that were not authorized by me. Without my written consent no inquiries are to be reported on my personal credit file without my permission as stated by FCRA. Also FCRA states that a response to an investigation must be made in 30 days or items must be removed. I have yet to receive any communications.
Product: Student loan

I am behind in my private student loan serviced by Navient. I am in the process of working with an attorney to file for bankruptcy. They still continue to call me every day starting at XXXX and continuing to call every hour up until XXXX, including weekends. Most of the time if I answer they hang up on me immediately. This is disrupting both my work life and my home life.
Product: Debt collection

On XX/XX/XXXX, received a letter from Bank of America XXXX dated XX/XX/XXXX XXXX that my credit line of XXXX was being reduced down to {$500.00} XXXX and XXXX for cash advances XXXX. Their stated reasons : Current or past delinquency on one or more of my accounts Pattern of Payments on one or more of my accounts or affiliates Payments relative to balance on one of more of accounts with BOA or affiliates were too low. 

Upon speaking with them : Determined that there was an outstanding balance of XXXX DOLLARS AND XXXX CENTS over due since XX/XX/XXXX. I indicated to them I never received a bill nor notice of the outstanding balance and they acknowledged that no notice was mailed to me, nor contact made to me about outstanding debt. They indicated that I have paper suppression on my account, which meant that they would not have mailed me a notice, but they also said there would have been no way for me to know without such notice being received. In short, I did not know I owed them less than XXXX dollars. 

I paid the balance and asked that the original limits ( XXXX ) be restored. They told me " nothing could be done '' because there was an outstanding balance of XXXX DOLLARS AND XXXX XXXX CENTS when they conducted the audit. 

I have been with this company for 17 years. I have an EXCELLENT PAYMENT RECORD and EXCELLENT credit rating. The majority of payments I have made in the past have either been in full or paid off completely within a couple of months. 

I believe that the reduction in credit was discriminatory in nature and incorrect. 
I have filed a customer complaint with BOA and also closed my account. 
I would like this matter investigated.