23daVinci/CFPB_Complaints huggingface dataset:
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.

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 XXXX5 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 XXXX 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: Checking or savings account

I had a square app for a buesiness that I was startingXXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened up a square account. I made a charge on XXXX XXXX XXXX for {$1400.00} this was my own credit card to pay my employees and bills. The next day they suspended my account temporarily until I provided additional information I provided their information plus additional information I gave them a notarized letter saying that there will be no charge back because this was my credit card I charged they reopen my account and I was able to transfer some of it to my linked account and then made a charge to XXXX and then that evening all of a sudden they said we're going to deactivate your account now you have to wait 90 days to get your {$500.00} back this is to protect us against chargebacks I said I gave you a notarized letter saying that there will be no charge back because this was my card and you guys accepted that but now you are not and they said oh well our decision is final and we're going to hold your money for 90 days regardless there is no disputing this our decision is final and they've been keeping my money unjustifiably I said man you guys are going to be held liable because I have a car payment now they repossessed my car because they held my funds that I use for business and they refuse they say our decision is final we don't care about your letter and I told them this was the only charge so I told them there is not going to be a chargeback so what justification do you have to continue to hold my funds after that they stop sending me emails or any correspondence but they keep playing with me everyday sending me email saying instant transfer your money and then it says link disabled but they said I can have my money XX/XX/XXXX which makes no sense I want it now
Product: Debt collection

On XX/XX/2019 I sent a fax request for verification on XX/XX/2019 I sent a certified letter for verification as of XX/XX/2019 I had not received any communication from this company ( Jefferson Capital systems ), when I requested information the tried to send it to another collection agency to collect but I also sent a request to that company as well which ( XXXX XXXX XXXX XXXX ). XXXX responded I have attached a copy of there response. Jefferson did not respond so I reached out to them to request that they cease collection and remove this account from my report since they didnt send verification nor respond within the allotted time for fair debt collection. I was advised by XXXX they he was not able to make that decision so I ask for a manager I was then transferred to XXXX who I advised of the situation and my request and I was told that I need to call back to speak with the correct department which I was under the impression they were the department since they both made attempts to collect the debt.
Product: Debt collection

I don't have the exact dates but back around XXXX or XXXX I moved into some apartments in XXXX, TX and began to have trouble with staff they ran into my car with a cart I called the police and started having people throw stuff at car but ultimately had to leave had a parent with XXXX to take care of because my mom could no longer care for him she had XXXX. Left the apartment in good condition after staying there for 7 months no property was destroyed. Had one time XXXX XXXX XXXX XXXX XXXX XXXX but it was due to XXXX. I received a call from hunter Warfield collection agency saying they were going to sue me if I did not take care of it, but I received an outrageous bill like property had been destroyed which at the time I had pictures that I had taken before I left. Then now like every one or two days they are increasing the money I owe like they are trying to destroy my credit it's way to old for the amount to be increasing. I think they are literally doing it on purpose I have never seen anything where they increase balance owed every two to three days on credit report monthly maybe but this is illegal.
Product: Mortgage

Hello, My mortgage co. is Freedom mortgage, I had forbearance program, after that I had 3 trial payments in XXXX, XXXX, and XXXX of XXXX  with an interest rate of 3.125 % I paid everything on time, in XX/XX/2022 they sent me loan modification documents, right before that my last name was changed from XXXX to XXXX, I contact the company in that regards and they told me to send the name change documents and they will change the name, I email the documents in XXXX XXXX since that time I talked to so many people at Freedom mortgage asking about my updated documents, everyone tells me something different, one person tells me not to pay after the trial and wait, and the other person tells me NO, keep paying your mortgage and I did, I call every 2 weeks or once a month whatever they tell me when to call asking about the documents. ( please see the calls log and comments ) and I requested a list from the company for all the call logs, you also could listen to all the calls because they were recorded by the company. Now they sent me new documents with an interest rate of 4.875 % I can't pay that much and I want to keep my home for me, my wife, and our XXXX children XXXX XXXX XXXX XXXX XXXX 
I need your help, I could afford the old payments of {$2700.00} but I will have a very hard time paying the new payments of {$3100.00}. it took Freedom mortgage over 4 months to send me the documents, and now they changed my interest rate. I have so many companies that called me to refinance with a very low-interest rate but told them I'm happy with my company and I have a 3.125 % interest rate. I am asking you and freedom mortgage to honor the 3.125 % because it was their fault for taking that long. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD
Product: Debt collection

I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc.,  is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC Identity Theft report XX/XX/20 to Transunion ti inform them of fraudulent accounts in my name from XXXX XXXX XXXX & XXXX XXXX XXXX. They still appear on my Transunion credit report.
Product: Credit reporting or other personal consumer reports

I did not attend this institution these accounts do not belong to me. Someone used my information to obtain these loans and i put in a identity theft claim alarming the government about this fraudulent activity under my name. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take the timely and effective measures to prevent fraud on their platform, leaving my account vulnerable & unprotected which I was a victim of scam 3 times.

Furthermore, their dispute resolution process was unfair and 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 significant financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that items will be corrected. 
XXXX XXXX XXXX XXXX Balance : {$58000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the 14th formal attempt to address this matter. 

As outlined in my previous correspondences, there is an error in the opening date of one of my accounts. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open accounts continue to inaccurately reflect my financial history. 

I urge you to prioritize this issue and expedite the process of correcting the late open accounts. Additionally, I request regular updates on the progress of the correction and confirmation once the necessary adjustments have been made. With this, I am asking for your assistance to correct these accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$320.00}.
Product: Mortgage

TD Bank did not send funds from my escrow account to pay for my homeowners annual premium before the due date. Consequently, my homeowners insurance company cancelled my policy for " non-payment of premium '' on XX/XX/18. I received the cancellation notice on XX/XX/18 - after the insurance company & bank had closed. I was a nervous wreck all weekend worrying about not having insurance. My premium was due on XX/XX/18. TD Bank didn't mail the premium until XX/XX/18. Insurance Company didn't received payment until XX/XX/18. I have been re-instated after many stressful phone calls. This should never have happened. My insurance company sent out the original premium invoice in XXXX. I called TD bank on XX/XX/18. XXXX assured me that payment was pending, but it was too early to send it..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I, XXXX XXXX XXXX, contacted Transunion Agency in reference to several inquiries and items that were placed on my credit report due to fraud. I explained this information to the representative named XXXX and she stated that she was unable to assist me in this matter. 

The following inquiries were not authorized by me and should not be on my credit report : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do ask that they remove this incorrect information Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - Global Lending service ( XX/XX/2022 ) - XXXX XXXX XXXX  ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
Product: Credit reporting or other personal consumer reports

I'm reaching out because it is now XX/XX/XXXX and both of my credit reports are still reflecting incorrectly. The I nstallment payments for the loan during the timeframe of XXXX should have been updated on my credit reports ( Transunion and XXXX ) as on time. I spoke w/ manager XXXX and she stated on XX/XX/XXXX that the reports would be updated by the end of XXXX. It is now XXXX and this is halting my progress in being able to purchase a home. I've reached out on several times via email because XXXX XXXX added to my credit reports as a collection account dropping my score even lower. XXXX stated in her email on XX/XX/XXXX, immediately after our phone call " To fix this error retroactive waivers were applied to your loan covering installments owed from XX/XX/XXXX through XX/XX/XXXX. Your credit report should update to reflect those payments as on time during the next reporting cycle. '' It never happened.
Product: Mortgage

Talked to XXXX, today XX/XX/XXXX re fees on account totaling {$410.00}. it is 3 separate charges. 
XX/XX/XXXX Property Preservation Fee Billed {$14.00} XX/XX/XXXX Brokers Price Opinion Fee Billed {$130.00} XX/XX/XXXX Property Inspection Fee Billed {$260.00} She could not tell me what the fees were for. XXXX the lender who had this loan since XX/XX/XXXX sent it over to them in XX/XX/XXXX without my knowledge. 

I want to know what these fees are for as they have been added to my loan.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND EXPERIAN IN ERROR, AUTHORIZED SOFT ONLY.
Product: Debt collection

I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( XXXX/XXXX/2015 ) and today ( XXXX/XXXX/2015 ) already 4 times on my mobile ( XXXX XXXX ) Call from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXThis is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. I filed all necessary paperwork with appropriate agencies. Once submitted to all credit bureaus experian deleted the accounts in question. Transunion and XXXX both sent me letters saying they believed these reports were being submitted by a third party. Which they weren't. They requested documents from me which were provided at least 3 times and continue to send the same letter about third party. Neither will provide documentation supporting this and continue to leave accounts on my credit that are severely impacting my scores.
Product: Debt collection

I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. ACCOUNT : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/2021 BALANCE ALLEGED OWED {$510.00} You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.

Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account.Furthermore, you do not have any jurisdiction or authority to report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute on there web site with no success. So I called them on the phone to ask why. They said they could not fix the problem. They took my dispute over the phone incorrectly. It is a medical bill that doesn't belong on my credit report. They will not help. Same problem with XXXX XXXX and was fixed in 3 days,
Product: Debt collection

I am filing a complaint against MEDICAL DATA SYSTEMS I a medical debt collector and XXXX, XXXX  and XXXX   Credit reporting agencies. The complaint involves MEDICAL DATA SYSTEMS I reporting a collection on my credit report knowing that the Insurance company XXXX XXXX XXXX XXXX is responsible for the unpaid medical bill. I have contacted XXXX XXXX XXXX XXXX and they have confirmed that I have insurance and that they will pay the bill once received from MEDICAL DATA SYSTEMS I/XXXX XXXX. I have also contacted MEDICAL DATA SYSTEMS I and they agreed that the bill would be placed back in their insurance division and not collections. 

I filed a dispute with XXXX, XXXX and XXXX  explaining that this bill should not be a collection because the insurance company has agreed to pay the amount of {$2200.00} for a medical bill that is covered under my insurance. 

MEDICAL DATA SYSTEMS I reported again that the bill was a collection, knowing that they had been in contact with XXXX XXXX XXXX XXXX and they verified that insurance would pay the bill. 
MEDICAL DATA SYSTEMS I is fraudulently reporting information to the credit bureaus that they know is incorrect. I am requesting to have this derogatory information removed from my credit report. I also want to add XXXX, XXXX and XXXX to this complaint for willingly participating in this fraud. I have attached a letter from XXXX XXXX XXXX XXXX confirming the mistake and pending payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several letters asking the company to dispute items that are 10 years old or older. I again have received a letter back saying that I indicated fraudulent items which is incorrect. I sent letters asking to dispute student loans that are on my credit which is causing my score to be much lower than the other reporting agencies. This company is constantly giving me the run around when I write them to dispute items on my credit. Something is seriously wrong with this company and I would like a full investigation done on how the company complete request from consumers and how their computer system randomly select questions that apply to a consumers personal credit files. In my case the questions are incorrect which hinders or Interfere with my rights to get information corrected. My score is very low and it I need help with this company because they seem to be purposely interfering in my disputes. I am uploading another letter that was sent to me which has nothing to do with the letters I sent to Equifax.
Product: Checking or savings account

I opened a checking account 2 weeks ago. I have been a member of USAA for 12 years, prior. A few days later, I transferred over my savings from an external bank account that I was closing out ( because I am moving to another city and they don't have regional branches ). My account was frozen after the deposit, and put " under review ''. A week later they unfroze my account, but will not let me withdraw my money or use my debit card. They have disabled the debit card they sent me. They will not send me a new one. 

Nobody I talk to in customer service can help me. Nobody knows why my account keeps getting frozen. I talked to an Executive Member Resolution team member, and she hanged up on me. She claimed to be a supervisor, but had no access to fix my account. 

USAA has frozen my account again! This is the second time in 2 weeks. USAA is now my only bank account. All of my money is in their checking account. 

I have not eaten in 2 days. I am afraid I will die due to lack of food. I have called their bank multiple times. The lower tier agents just tell me that the account is " under review '' and are unable to help. It has been under review for weeks. 

I am a XXXX veteran at risk of dying due to lack of food. I have not eaten in 2 days. I am afraid they will take my next payroll deposit, but not give me access to the funds. I am scared for my life. I can not change the payroll deposit because it's to late to reroute the money. I don't want to die.