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

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Product: Mortgage

I am single parent with XXXX children, I 'm also the XXXX of a XXXX.My family and i have suffered a great hardship since XX/XX/XXXX, at such time i XXXX and had to have XXXX, while out on sick leave XXXX.This action forced me to become unemployed. Finally the unsubstantiated results came in just last month XX/XX/XXXX. Now my business XXXX number which allows me to XXXX has been terminated, I have no means of supporting myself or my minor child. In order to provide food we receive food stamps, free lunch at school, my son sat out of XXXX to assist us as much as he possible can, not to mention on XX/XX/XXXX. I just underwent another XXXX and on XXXX now trying to re-cooperate. I 'm totally XXXX out, I 've also XXXX. I have been a single parent for the last years and I 've worked very hard to provide for my family not once had i ever image being in a situation as such, and not being able to find some help. I have lost so much, now being face with loosing my home where will my child and i do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX  XXXX, {$23000.00} XXXX XXXXXXXX XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Bankruptcy in XXXX. Since then I have rebuilt my credit to good status with XXXX and XXXX. Experian however keeps dropping their score because I refuse to buy their products. They have my points and fica much lower then the other 2 credit bureaus. Before I lost my job in XXXX I had XXXX score. Since then I have never missed or made a late payment and have paid everything in full yet Experian keeps dropping points but yet manages to offer me more credit card suggestions. Predators!
Product: Credit card

Called wells fargo to dispute a charge with XXXX XXXX due to XXXX XXXX. They lied and said i couldn't dispute it on the card because I had an XXXX. They violated my consumer protection rights. XXXX the manager with wells fargo also refused to give me any id to send in the complaint and told me I had to probably sue her to get it.
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 redres for these violations.
Product: Mortgage

Burkemore law group LLP. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX phone number XXXX Has bought my debt from an equity line at XXXX  XXXX XXXX that was charged off Charge Of XXXX  More is not getting a hold of me even after months of an attempts to try to negotiate this debt. Ive made negotiation offers XXXX  More is not getting a hold of me even after months of attempts to try to negotiate this debt I made negotiation offers. I do not believe the debt is valid. I only spent {$3000.00} on this equity line account and with interest. It says I owe XXXX I would like to invalidate this debt, but they wont send me from XXXX  XXXX XXXX any of the equity line contracts. Any of the charges their file any I would like to settle this debt. I need help negotiating with them and get in their response and giving me all the proof I need to invalidate this. Debt
Product: Credit card

On XX/XX/2024, I received a letter from Bank of America confirming that my dispute regarding a charge of {$58.00} from XXXX, originally transacted on XX/XX/2024, had been resolved in my favor, and my account was credited for this amount. However, on the same day, two contradictory transactions appeared on my account statement : A credit of {$58.00} for the dispute resolution. 
An immediate reversal of the {$58.00} credit. 
These transactions are evident in my account activity from XX/XX/2024. The reversal of the credit contradicts the resolution stated in the letter from Bank of America. 

I attempted to resolve this matter directly with Bank of America by calling the BoA Credit Card Billing Disputes Department at XXXX from my cell phone ( XXXX ) at XXXXXXXX XXXX ET on XX/XX/2024, for an 11-minute outbound call. The agent was unable to assist or provide further insight into the issue. 

Not abiding by the outcomes of a dispute resolution and erroneous billing errors are violations of CFPB regulations, specifically those outlined under the Fair Credit Billing Act ( FCBA ) which requires creditors to resolve billing errors promptly and accurately.
Product: Credit card or prepaid card

I received my credit card bill and paid the full amount. Then I found that I was continually being charged {$19.00} on my credit card from a company that I do not do business with. I called the bank and they credited the {$19.00} transactions in a very confusing way. Then I received a second statement for {$17.00}, which I also paid in full. I am no longer using the credit card at this point. I then received another statement for {$63.00} with no explanation of what the charge was for. 

I tried to call the bank and find out what the charge was for as I have had fraudulent charges in the past. The gentleman on the phone asked me how old was I, I am very offended at this as my age shouldn't have anything to do with what was charged on my account. I know am receiving harassing letters from eastern bank stating that I owe them {$63.00} and interest every month even though they can not tell me what the charge was. 

I wrote a letter to the bank and received a call from a woman named XXXX. I called the phone number given by her and haven't received any callback.
Product: Checking or savings account

I had a direct deposit go into my Citibank savings account after I was informed my accounts were being closed and there would be no money going in or coming out of my XXXX accounts. I didnt have enough time to switch my deposit to a different bank and thought it would get bounced back. But the funds were still in my savings account last time I called Citibank. Its been 36 days since I got the closing notice and I was relying on the funds from the direct deposit on XX/XX/XXXX of this year. I want to know when I will receive this money as I have nothing to live on
Product: Credit card or prepaid card

On the XXXX of XXXX b of a charge me and took my new XXXX $ for no reason. I have called every since XX/XX/XXXX. Only to be hung up on and no answer. After 8hrs on the phone daily. I need help. And also my remaining XXXX . The have stolen XXXX $ of my money and know one will answer there phone
Product: Student loan

Mohela customer service continues to be absolutely awful. Honestly, it amazing they are allow to manage anything when they can't manage a paper bag. Anyways, their automatic phone system says we should be getting PSLF credit for the month of XXXX. Normally, in the months of payment pause I would already receive credit for the minth but no credit is showing. I contacted them over XXXX business days ( which the response time mentioned on their messaging system ). I want to know if I will get credit for XXXX or if I should consider a payment to get credit. At this rate, it will be XXXX before they respond and I will miss a month to get one credit towards PSLF. I can't imagine how they sat on their hands for months doing nothing knowing that repayment should start at somepoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm leasing with Tesla Finance, per my XXXX report it is correctly stated I do so but per my XXXX it is missing that information. Please fix that.
Product: Money transfer, virtual currency, or money service

I was called by a chime agent from chime phone number and I was told someone from XXXX, Texas just tried to charge my account over {$2000.00}. I was instructed to transfer my money to a 5 digit number because they had to close my account and they couldn't do it with money in it. He said he couldn't open a new account yet until that was closed. I did what I was told to protect my savings. Then after the phone call it shows I sent it to a name I don't know XXXX and my money never showed up in another account. It's just gone.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX I received 2 texts from Capital One, one asking if I just made a {$600.00} charge at XXXX followed by a 2nd text stating the charge was declined as there was not enough credit. I was home at the time so responded 'No ' as I did not make the charge. Additionally, knowing {$600.00} would not take me over my credit limit I immediately logged into my account and there were 3 additional pending charges from the day that I did not make : {$1400.00} to XXXX, {$450.00} to XXXX, and {$210.00} to XXXX XXXX XXXX XXXX. 
Immediately called Capital One to report the charges as fraud. A credit was issued for all 3 transactions on XX/XX/XXXX. On XX/XX/XXXX the credits for {$450.00} and {$210.00} where then charged back to my account. When I called Capital One to question this, they indicated that these transactions were reportedly made with a chip, and those could not be tampered with ( not true at all! ) and as such they could not 100 % be sure it was fraud, although they are acknowledging the XXXX charge as fraud from the same day as it was done online. The fact there was also a 4th large charge that was declined the same day clearly indicates someone making purchases who was not familiar with the account. 

I am being held responsible for over {$700.00} in fraudulent charges and they are refusing to help me any further.
Product: Debt collection

I was contacted by a company by the name of Stenger & Stenger out of XXXX Michigan, when I tried to find out what the debt is for they wanted me to give information I was not comfortable with. Like social security number and date of birth and then got very nasty when I told them I was not comfortable and then I was told that they were n't comfortable with letting me know who they represent if anyone.
Product: Mortgage

Dear Customer Representative, This is XXXX XXXX, my complaint is with Mortgage Company Lakeview Loan Servicing , LLC. There Escrow account shows a shortage of $ XXXX which is incorrect in XXXX they show a XXXX XXXX XXXX {$1000.00}. ( this is for prior insurance we had and it was not renewed and was not paid ). If you add the amount to Escrow shortage it leaves us with a positive balance {$890.00}.

Lakeview Loan Service states we have a shortage of {$710.00} and our mortgage payment will increase {$59.00} each month for 12 months. I disagree with this because they are listing are old insurance policy which was not renewed or paid. I was not aware of the insurance not being renewed until Lakeview Loan notified me then I obtained insurance with a new agent in XXXX for the amount of {$1500.00}. 
The only increase in our mortgage should be the increase in insurance XXXX. - XXXX. = XXXX. 12 months = increase in mortgage {$38.00} which would make ourpayment {$940.00} not the amount they are billing us {$1000.00}. 

Thank you for your help in resolving problem we appreciate it because I can not get help from anyone at Lakeview Loan Service.

I an enclosing the following documents : Escrow Account I have highlighted the old insurance that was not renewed and was not paid.

New Insurance of {$1500.00}. 

Old insurance of {$1000.00}. 

Copy of letter I received from Lakeview Loan after I submitted previous complaint about Loan increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no course of action being taken by the following Experian, XXXX, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act TransUnion, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Consumer Loan

XXXX XXXX XXXX, XXXX, FL BIG PICTURE LOANS Took out this loan for XXXX dollars expecting to pay off XXXX dollars of finance charge for the first month payment which I paid and the rest in installments with no more finance charges or penalties. Every month they are still adding outrageous finance charges and applying principles. This will eventually make a XXXX dollar loan turn into a XXXX dollar loan over time. They are a very deceiving company in all of their practices. Communication is poor and its like the representative are reading script. the company is Big Picture Loans.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have continuously reported inaccurate information on my credit report, despite my previous disputes and requests for corrections. I have attached a letter that provides proof of the inaccuracies, yet no action has been taken to rectify the errors or remove the incorrect information. This ongoing failure to update my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate review of the attached documentation and the removal of all inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

the following accounts and inquires aren't related to my profile no knowledge nor do I consent to have this information on my credit file please remove immediately, REMOVE ALL NEGATIVE ITEMS Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p XXXX XXXX XXXX Balance {$23000.00} Balance updated XXXX XXXX, XXXXXXXX XXXX Balance {$4100.00} Balance updated XXXX XXXX, XXXXXXXX XXXX  Balance {$0.00} Balance updated XXXX XXXX, XXXX XXXX closed account Installment accounts Total balance : {$51000.00} XXXX XXXX Balance {$51000.00} Balance updated XXXX XXXX, XXXX These lenders have accessed your credit file : XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX  has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Debt collection

i was served papers saying i was being sued, i checked my credit report found no debit that was being put towards me using the name XXXX my name is XXXX, i have responded. In the sopena its states they have tried to contact sent letter, this is a false statement i have no knowledge of this debit again its not on my credit report,
Product: Mortgage

I received a letter from Select Portfolio Servicing saying effective XX/XX/2019 they would be taking over servicing my mortgage. I was in the process of re-financing, which closed on XX/XX/XXXX. The closing payment was sent to my previous mortgage servicer on XX/XX/XXXX, and they had to wire the amount over to SPS. SPS didn't acknowledge the payoff amount until XX/XX/XXXX, and charged me for the 9 extra days of interest. 

This seems like a clear violation of RESPA, and in the transfer letter sent to me by SPS says : " During the 60-day period following the effective date of the transfer of the mortgage account servicing, an account payment received by your old servicer before its due date may not be treated by the new mortgage account servicer as late, and a late fee may not be imposed on you. '' Although this is not explicitly a " late fee '', they are charging me for extra interest because of the situation of my account being transferred which RESPA is supposed to protect me from.