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

My balance hasnt been updated since XXXX I made payments the balance should be {$480.00} for XXXX  lender.
Product: Debt collection

XXXX Please review this case. I tried to add information that this company has placed on my credit report, negative information that I had no idea about. 

They sent their request to collect their debt to someone other than myself. 
XXXX stated that her conversation, which you have taped, was sent to XXXX 's address. 
I have never lived on XXXX. 
The email address that was sent is not mine. 
I still do not have the information that the account was paid to date. 
They have not sent me a receipt either, and I have been so stressed that I am a XXXX XXXX survivor, and now I have to go back and have my mammogram redone. I finished treatment in 2017. I have not had any issues until now. I was triple negative, and there are no drugs I can take to prevent it. 
I was shocked when I found this on my credit report, which is not valid. 
I'm raising an orphan, and now my credit is ruined. 
How can someone bill you and then, when you question it, pay it and report it to the credit bureau? 
This entire action is a lie.
Product: Checking or savings account

I have never contacted my bank before in which is Navy Federal a credit Union. Ive never contacted them about funds being stolen from my account. In which it has happened before but the XXXX app the person tried to use was able to block the charges. No help to my bank. I live in a small area and I dont travel. I work 7 days a week and I can travel out of town. My cards was stolen on top of my cell phone on which had apps the had my contact information and some card information stored on the phone. I notice XXXX $ was taken out of my card in numerous ways via stores and XXXX purchases. In which I dont se XXXX to make up {$900.00} worth of purchases. Im a routine person. Navy federal told me they are taking my provisional credit back because its normal activity for me and that is just not true. This bank does not do a thorough investigation and will loose a lot of consumers if we cant even trust them to secure our funds! Im a single mother I just got my taxes and spent it all to pull myself out of the hole I was in and I placed {$1200.00} to the side to go on top of my work checks so me and my kids will never be in a bind again! But now someone stealing my information and cards me contacting navy federal to let them no whats going on only for them to do absolutely nothing is the most disheartening thing ever what about protecting your consumers. At this point I wan to find another bank that can promise to secure my account. The charges should have looked suspicious to the bank and they should have blocked those charges mid transaction because its out of the ordinary for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   ( XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My last complaint was on XX/XX/XXXX and Experian closed it by saying that they would remove the incorrect names and addresses. Today is XX/XX/XXXX and I still see my name is not been changed to XXXX XXXX XXXX XXXX also the address : XXXX XXXX XXXX XXXX XXXX, FL XXXX not been deleted it. This was the complaint ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX with Transunion. I requested to have unauthorized hard inquiries removed from my credit report under Section 611 of FCRA. I had already called and contacted creditors without any success. These excessive inquiries are adversely affecting my credit score.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Your organization is in breach!

According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate.

Listed below are the Accounts that are being challenged XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect phone numbers appear on my account.
Product: Bank account or service

I have already issued a complaint # XXXX against Banco Popular but apparently I did n't make my complain clear. You will note on the highlighted sentences from Banco Popular 's response that they said my interest is compounded daily. But they pay the SAME interest of {$120.00} plus some cents monthly. Is that COMPOUNDED INTEREST? I have called numerous times to no avail. People say they 'll check into the issue and call me back, but I do n't hear from them. When I suggested they then return my money I was told the charge to do so would be {$1000.00}. Although a return of my money would be my first preference I suggested since they are paying no compounded interest they could send me what interest already has accrued and then monthly ach the interest since they are not compounding it.
Product: Credit card

Several years ago I used Fortiva credit to buy some pots and pans. I fully paid off the balance and considered the account closed. The balance with the company was XXXX. Last year they decided to convert the account to an active credit card and then this month they charged an annual fee. 

The way this process was done feels very shady and under handed. The original credit was for a single purchase and the relationship with the company should have ended when my balance was XXXX. Yes their small print said they could convert my account to a credit card but with no balance and no activity I should not have been part of their process. 

This is behaving like a store credit card and as such charging an annual fee is not traditional. This process felt like a money grad and specifically aimed at people with low credit. 

The company has reversed the fee and cancelled the account but I feel this was over reach on their behalf and should be investigated.
Product: Credit card or prepaid card

Zombie recurring transactions charged to card in error by merchant enabled by VISA Account Updater. The updater links transactions to closed credit card numbers to current number without consumer permission. There is no consumer opt-out from Bank America VISA Account Updater according to BofA credit card customer services. Consumers are being charged for cancelled or erroneous merchant services despite consumer disputing those charges. Specific case : Travel Reward Card receiving charges from XXXX XXXX for {$5000.00} per month for several months. Consumer disputed charges with Bank of America. BofA Dispute resolution process informed consumer that merchant provided evidence the charges were legitimate. However, neither the merchant nor BofA can provide consumer specifics : what account is active, and what services are being billed associated with this consumer? The consumer has not used XXXX XXXX for several months. The consumer disputed and cancelled the credit card number twice, Bank of America re-issued a new card with a new number each time, but is still posting new XXXX XXXX {$50.00} charges each month to the new number via the VISA Account Updater. The consumer never provided the new number to this merchant. Zombie transactions.
Product: Debt collection

For about 1 year this company has been calling me when I have excellent ( over 800 ) credit rating. Early on I set my smartphone to block their calls from : XXXX yet it still leaves voice mails which say they are XXXX XXXX XXXX XXXX XXXX and leaving their XXXX   number for me to call, which I have never done as that gives them the legal right to continue calling me ; however, they keep calling anyway. All my debt obligations are paid in full or the required monthly payment with no late charges and most are auto- paid. I am not overdue or behind on any payments & have been current for decades. Whatever reason they continue to harass me I believe are unfounded. 
They have called several times each month. I am not certain as to whether they call my home ph. # XXXX or my cell # XXXX   as all my home ph. calls are transferred to my cell phone. Both of these phone numbers are unlisted, non-published and restricted. I figure if this company is really legitimate they can mail me a notice of the debt claim ; however, they never have. I have not been reporting their number previously as I didn't want to take the time to do so ; but would appreciate your help in getting them to stop calling and leaving messages when I believe they are unfounded. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unable to create an account online via XXXX website, I get and error XXXX, or an error saying my security quiz questions have reached its limit. Over the phone support keeps telling me to call XXXX, and they say to call XXXX. I am just needed to dispute some inaccuracies and outdated information on my consumer report.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to express my disappointment and anger with your company regarding the recent limitation of my account. I have not received any clear reasons for why my account has been restricted, and the support teams seem to be composed of automated bots and clueless individuals who can not provide me with any meaningful answers.

I have heard similar stories from many other people, and it appears that PayPal often holds funds for 180 days and then transfers them into their account. This is a great cause for concern, as I do not want this to happen to me.

In order to clear things up, I would like to state that I have not purchased or sold anything illegal, and the only thing I have been doing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Despite this, my account has still been limited. 

I look forward to hearing from you soon and receiving a reasonable explanation for why my account has been limited.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We pay monthly electronically to Florida XXXX to be able to come and go through Florida and Georgia Highways with tolls. Georgia continues to send us toll violations in the mail, then they report us to the collection agency called XXXX XXXX XXXX XXXX. Then when I call XXXX XXXX XXXX XXXX, their system hangs up on me 4 times. It is impossible to get through to them to explain that this is a debt we should not owe in the first place.
Product: Money transfer, virtual currency, or money service

you and your account. 
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 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 financial loss, and I seek appropriate redress ( 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 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 financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I keep seeing different amounts that I supposedly owe on my credit report. I 'm also concerned about the fact that I see the loans reported multiple times on my credit report. I also have no clue who to contact because Navient and Pioneer both are giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting incorrect addresses and charged off collections that say paid off from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
XXXX : Charged off collections paid off from XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX charged off XXXX XXXX charged off and cease and decease letters to XXXX XXXX XXXX and XXXX XXXX XXXX all of the following items are producing painful experiences on my consumer credit. Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they never sent to me any information letting me know anything regarding the account. On XX/XX/XXXX I resent a dispute by mail to Equifax regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Equifax data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.
Product: Debt collection

We have received 5 calls a day from a collection agency Midwest Recovery System,  that are all robocalls asking for us to call. 

They have been spooking their phone numbers, and just yesterday, I got calls from XXXX, XXXX, XXXX, XXXX and one other that I deleted that was from area codes XXXX. Three left messages, as I was not near my phone, and it went to voicemail. They left different return calls XXXX and XXXX. 

They are using multiple numbers, and this is for a debt that we have told the original physician 's office that we want detail, and they told us directly that they would not provide details of the charges. 

I have asked Midwest Recovery Systems to stop calling, and that they can only send regular mail, if they can provide a itemized detail for the charges, otherwise, they can stop all contact. XXXX XXXX then started to threaten.
Product: Mortgage

Our attorney has put an offer in writing to Specialized Loan Servicing over 30 days ago, and the company has not responded to our offer. We are trying to refinance our mortgage away from this servicer due to their improper handling of our file. The balance stated that is owed to this company in their response to the CFPB is an incorrect amount and is not what has been stated on the many statements sent monthly to our home address. The balance discrepancy is over {$30000.00} plus. Their accounting methods/practices are suspect, and this is causing huge issues with refinancing when the balance owed is incorrect and forces us into a situation of being legally advised not to give this company any more money because they've committed many RESPA violations on our file.

Please be advised we did not respond in a timely fashion to the complaint which was due last week because we were not advised via email from CFPB that one was due. If an email was sent, we never received one. We've only received one email recently from CFPB, and it was only in our XXXX inbox yesterday advising us that our complaint has been closed out. So whatever is transpiring as to why emails aren't delivered timely is a mystery and more of the same fraud. More of the same with regard to reaching out to CFPB and not getting the help/assistance that is required and then our complaint is closed with no resolution. 

I will address my concerns with how our complaint was handled by CFPB with our attorney who's still awaiting a response to our offer to settle this with SLS. It seems they don't have to abide by RESPA law and your division does nothing about it for years on end and doesn't send our file to the appropriate overseeing authority to stop this fraud and abuse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to provide documentation of the car dealership called XXXX. XXXX XXXX XXXX that XXXX spoke with on XXXX and XXXX without my consent. The auto loan transaction was a fraud transaction from the beginning. XXXX federal credit failed to check the VIN report. Failed to check the correct car value of the vehicle that was price at XXXX not XXXX. XXXX XXXX XXXX XXXX is putting a car that belong to another customer as my responsibility. The customer brought the car from the correct car dealership called XXXX XXXX XXXX with the title of the car. XXXX XXXX XXXX XXXX is falsely reporting the auto loan account has passed due for XXXX, XXXX as of XX/XX/24. XXXX XXXX is aware the car belongs to someone else. Management is aware of the car dealship stating the car was sold to another customer. Refusing to clear the balance on a close account that is negatively impacting my credit score. There should no balance on this auto loan this is fraud. 
This is due to XXXX XXXX XXXX negligence the transaction is a fraud business exchange. Dispute auto loan and fraud payment history from my credit report. XXXX XXXX is charging me interest on my credit card as of XX/XX/24 XXXX has taken {$520.00} from my credit credit to pay the auto loan that is a close account. This is fraud, and theft and false information. I want my reimbursement for my credit card this is retaliation against a customer.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account was paid in full, and they have on my account that the debt has been charged off.