23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX sent me an email notice asking me to check online message regarding my monthly payment for the 30-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my XXXX XXXX login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called XXXX XXXX and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of $ XXXX  monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If XXXX XXXX spent more time on their XXXX XXXX they would not have had the data breach incidence and I would less likely to skip their email. In addition, XXXX XXXX called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish XXXX XXXX to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by XXXX XXXX. They do nothing to protect consumer 's interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please remove the fraud alert from my credit REPORT THANK YOU
Product: Payday loan, title loan, or personal loan

I have attempted to dispute an erroneous loan account through XXXX, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( Upstart ) insists they sent the documentation that the loan was paid off on XX/XX/2023. Upstart is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with Upstart as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit. 

In addition, I have one late payment with this company, while I understand this was an issue on my part, I did submit applications for hardship assistance which were denied due to being too close to the payoff of the loan. I believe that this is an issue that could have been resolved had I received some sort of payment arrangement with the company.
Product: Debt collection

I rented a car from XXXX in Hawaii in XX/XX/2023. The car was hit while parked. The person who hit the vehicle was honest and forthcoming. He provided me with his insurance coverage ( XXXX ). This information was provided to XXXX. They assured me not to worry that they would work with XXXX for the full recovery. 
Fast forward to XX/XX/2023, I'm in collects with Viking. I again provide XXXX information and I take the lead on working with XXXX directly to satisfy the debt. XXXX has paid for all of {$88.00} with is the alleged diminished value. For months both XXXX and myself have requested supports for this calculation. 

Viking has failed to provide these supports. I asked that all communications now be by email. Viking now refuses to communicate by email or provide supports and comparison values to substantiate the diminished value. I liken this practice to having a receipt listing items not in your shopping cart. They continually tell me I'm responsible for the debt but will not yield supports for how it was calculated. 

Viking is nonresponsive when they continually call me or ignores me altogether. At this point, I need resulting against these predatory practices.
Product: Credit reporting

yesterday i looked at my credit report and noticed that there was hard inquiries placed on my account that i did not authorize. I have sent letters to the companies asking for verification and they have decided not to answer this in the 30 days permitted by law. I called equifax and and asked to speak with a special fraud agent in the united states about the account,. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less ). I finally spoke to a representative and he claimed that he would remove them if i placed a lock on the account which i was very in favor of. The lock was not added and the accounts are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had accounts included in bankruptcy. 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. the accounts must be fixed for their erroneous status : XXXX XXXX XXXX  Balance : {$0.00} CXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I opened a " virtual checking account '' with PNC Bank because I figured like every other financial institution these days, brick and mortar or otherwise their virtual account would come with a virtual card. I deposited my paycheck {$750.00} with PNC Bank and the date it gave me it would be posted would be the XXXX. When I realized they PNC Bank no virtual card on their " virtual account '' I messaged PNC Bank to bring up to them that every aspect down to the name of the account type was incredibly misleading. I had been directed to them from a paid blog claiming they had a deposit bonus ( disappeared after opening account ). I go to check my balance on PNC 's site the XXXX and there is only {$.00} cents in my account. I had made no other transactions with the exception of my deposit. I messaged a second time inquiring about where all the funds had gone and why my account has a balance, but not a correct one. PNC customer service claimed that my deposit was on hold to make sure the funds were going to clear .... With the XXXX XXXX XXXX check I deposited. I confirmed with her that really was their claim and she being told again it was too make sure it cleared I asked why there was XXXX XXXX in my account. She didn't have a response. The midst information I was able to drag out of PNC was when I asked if that XXXX was from the deposit I was told yes. I asked how that was possible if they had to wait for it to clear and inquired about why she was being dishonest with me. She ended the chat on me. Not only was PNC incredibly rude and smug in dealing with me, blatantly misleading and lied to me directly that's not even the most surprising thing. That would be the fact it's now it is the XXXX without the rest of my paycheck becoming available or out any answers to my incredibly valid questions. I hope my experience can save someone else the terrible and frustration of dealing with these scam artists dressed up like a financial institution, because now I have extra charges on my rent and other bills for being late on them and the amount for that keeps going up the longer they have my money I worked for in imagination land. I would love to be reimbursed for the late fees I'm
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Jefferson capital systems, is using my federal trademark XXXX XXXX XXXX and all derivatives and spellings of that name. I do not have a contract with Jefferson capital systems. Neither have I given my consent for the use of that trademark.
Product: Credit reporting

I have recently this year received numerous emails from Spam senders and even XXXX of my own Credit Card accounts alerting me that my credit score has changed with XXXX, Equifax. I have not opened or been late with any accounts. I pay on time and either the balance in full or more than the minimum payment. I am unsure why my credit score keeps changing MONTHLY!! Please help me, I do not know if this is legit or not and seem to have no control of when this is happening.. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and discovered an inquiry that I did not authorize or recognize. This unauthorized inquiry has negatively impacted my credit score and financial standing.
Product: Debt collection

I visited XXXX XXXX apartment complex ( previously the Foundation ) in XXXX, CA at XXXX XXXX XXXX on XX/XX/XXXX. I was fooled into signing a leasing agreement before I got notified that I can't move into the apartment because I didnt meet financial requirements by the representative with the first name XXXX, but the real reason why they denied me to move into the apartment was my gender because most of the people in the apartments are male. When XXXX explained to me ( over the phone ) the reason why I can't move into the apartments she told me that the people on the apartment complex are from a different social class ( higher ) so the company thought I wouldn't fit with the community, and for that reason they denied me to get the keys of the apartment and denied to move in. 
I have been charged each month for the rent and have received a letter XX/XX/XXXX that the apartments have forwarded an outstanding balance to a collection agency, thing that they never let me move into the apartment and they decided to cancel my lease agreement. I have discovered a fellow civilian who shares my same situation.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these accounts or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services. 

Transunion are showing inaccurate information regarding my personal information. 
( XXXX ) Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES. 

Accounts : XXXX XXXX Account # XXXX This account is a charge off, these are clear violations : - Last activity has been reaged - Remarks showed i have requested reinvestigation - High balance on a charge off - Credit limit on a charge off - Noncompliance this company has no contact information to dispute or contact - Inquries has no permissble purpose
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, 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 these violations.
Product: Prepaid card

I purchase I purchased a XXXX gift card from a XXXX XXXX supermarket back in XX/XX/2023 and immediately tried to register the car online and from there it said that the card was like flagged for suspected fraud and from there I tried to call multiple times to resolve the issue they would just tell me to resolve it online or via fax. I did both. I never heard back multiple times I then gave up I called back in XXXX and they again replied with the same response they could tell me that I had a balance of US {$360.00} on this gift card. However, they told me that I still would need to fax them and that I did, and still have not heard back and now this is my last resort.
Product: Debt collection

XX/XX/2023 Spoke to representatives of LVNV FUNDING LLC. Asked about 4 different accounts, pertaining to my credit report. These people are crooks
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of multiple unauthorized and fraudulent hard inquiries from my XXXX credit report. These inquiries were placed without my written consent and must be removed immediately, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. THE FOLLOWING INQUIRIES MUST BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LEGAL VIOLATIONS & FTC ENFORCEMENT Under 15 U.S.C. 1681b, a credit inquiry is only permissible with my explicit written authorization. If XXXX can not provide physical, legally binding proof that I approved each of these inquiries, you are in direct violation of the FCRA and must delete them immediately. The Federal Trade Commission ( FTC ) has ruled that failing to remove unauthorized inquiries constitutes willful noncompliance with federal law. If these inquiries are not removed within 4 days, XXXX will face immediate legal consequences, including : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ). A lawsuit for willful violations of the FCRA, under 15 U.S.C. 1681n ( a ), which allows me to seek statutory damages of up to {$1000.00} per violation plus attorney fees. An FTC complaint citing Experians failure to comply with federal law. A report filed with my states Attorney General for deceptive practices and failure to investigate fraudulent activity. This is not a requestthis is a final demand. I expect written confirmation that these inquiries have been permanently removed within 4 days of receiving this letter. Failure to comply will result in immediate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

concerns by phone and mail are being ignored no verification
Product: Credit card

I used my target red card ending in XXXX to pay for # XXXX for {$350.00} after I got my order I noticed the box was re-tapped and didn't include the item I paid for, I contacted target who said it was successfully delivered despite missing the item I bought, I tried to contact the target red card service twice to file a dispute and every single time I called they transferred me to targets regular customer service who was unable to help, so now I don't have my item and I can't even seem to file a dispute that must be illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I authorized a wire transfer of {$15000.00} to XXXX XXXX XXXX, located in XXXX, HI. The wire instructions I received directed the funds to an account at JP Morgan Chase Bank in XXXX OH XXXX. The money was sent from my account at XXXX XXXX in XXXX CO XXXX. My instructions showed XXXX XXXX , XXXX as the " beneficiary. '' However, JP Morgan Chase Bank deposited the funds in an account for XXXX XXXX and not for XXXX XXXX, XXXX. In fact, XXXX XXXX, XXXX does not have an account with JP Morgan Chase Bank. Nonetheless, JP Morgan Chase Bank accepted the wired funds and deposited them into an account belonging to someone else, and the funds have been withdrawn. Chase Bank should have refused and returned the transfer since the beneficiary company -- XXXX XXXX , XXXX -- and the account number belonging to XXXX XXXX did not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 1681section 602 A States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I went in to cash my check I got denied cashing my check but the teller said I can deposit it for you never said it was gone be 6 days hold I had to walk-in the rain then I got a text in my email saying that my money feting hold for more then XXXX hours with no reason just because Im a new customer. I never heard a bank holding your check for 6 days unless the check got reported stolen and its not I just got that from the state of Wisconsin