23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase claims that my agreement was canceled, however notified me of such. Instead continued to cash my monthly payments for almost a year having me believe that the agreement was continued and going forward. If the plan was canceled then why werent the check payments, I authorized for only use with the plan, was still being cashed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.
Product: Credit card or prepaid card

i have not been to the residence thats on file as my address for a while due to school and work but once i went back and i was able to log into my XXXX account i saw XXXX american express accounts that i had not opened and they spent a large amount in my name and this has effected my credit score terribly i dont know how i could move foward due to it
Product: Prepaid card

Cash app allowed a bank to take XXXX out my account and didn't put it back into my account. They said they couldn't help me. I filed two disputes with them and haven't heard anything from them. I would like my XXXX back immediately within the next 5 days or less.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$19.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00}
Product: Mortgage

XX/XX/XXXX payment made within grace period. Due to an error on my part I wrote the correct amount on my check when i wrote in the numerical amount in the box on the check.. However when I wrote the amount out in the text field, I neglected to put XXXX  cents after the full dollar amount. 
I was unware of this error until I received a phone call saying I was delinquent on XXXX  Delinquent for XXXX cents? Wouldn't it make sense to take that amount from my escrow account that had thousands of dollars in it? But instead Valon chose to show me delinquent. Again, I received this call on XX/XX/XXXX. It was recorded and the gentlemen I spoke with assured me that I would not be charged an over {$50.00} late fee. 

I sold this property and escrow closed on the XXXX XXXX XXXX When I received the final closing statement, much to my surprise it showed that a {$52.00} late charge was included in the payoff amount. 
As an XXXX XXXX XXXX XXXX  who made a simple mistake I am sure that Valon can not justify a {$52.00} late charge over a XXXX  cent payment shortage. And of course, the call recording will show that the agent I spoke with agreed that a late charge would not be assessed. 

For clarity, my account will show a {$13000.00} payment on XXXX That amount was held in suspense until I paid {$10.00} with the agent on the phone on XX/XX/XXXX. Seemed silly to make an ACH payment for XXXX cents.
Product: Credit reporting or other personal consumer reports

I bought a 2020 car from a dealership under loan. Put down a few grand and the {$29000.00} left over was the loan. I week or so later I checked my credit and it went down around XXXX points even though they said many times its only be XXXX inquiry which would be XXXX points. I called them again and asked why and they explained they have no idea what happened. I need my credit to go back up
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). specifically, cashapp 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: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$32000.00} Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have consistently ensured timely payments on this account, never letting them become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting or other personal consumer reports

They are reporting inaccuracy cause my account is paid off or closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is not provide accurate information to XXXX XXXX and XXXX regarding credit usage and payment history regarding my credit report and score.
Product: Student loan

There has been regular communication with AES, my attorney XXXX XXXX and myself since XX/XX/year> related to AES not providing documents that support the loans meet the criteria of 11 USC 523 ( a ) ( 8 ) of the Bankruptcy Code to be considered non-dischargeable after the completion of a XXXX XXXX  payment plan and received a discharge of debt. My attorney sent them a letter stating this on XX/XX/year> via mail and fax, I also sent this same documentation through certified mail. Our position is that the loans were originally made by a private lender, XXXX XXXX XXXX XXXX and the loans were not funded, in whole or in part, by a governmental unit or non-profit institution as required by 11 USC 523 ( a ) ( 8 ) ( A ) ( i ) to be non-dischargeable. The two proofs of claim do not show any information to meet the requirements to be non-dischargeable. They have not responded with any communication or documentation, yet I still receive phone calls, and past due bills while they continue to turn this into the credit bureau.
Product: Credit reporting or other personal consumer reports

I checked my credit today and noticed XXXX inquiries that I do not recognize they do not belong to. 

XXXX XXXX XX/XX/year> - XXXX PNC BANK XX/XX/year> - XXXX XXXX XXXX  XX/XX/year> - XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting to my credit report which lists Cash For Whatever as the original creditor of the account CASH FOR WHATEVER XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Product: Debt collection

I was unaware that I owed a balance to XXXX XXXX XXXX. I was promised pay for delete for this account from XXXX XXXX and the supervisor XXXX. I paid {$10000.00}. They refused to email a receipt or letter of our approval. They continued to say because the calls were recorded that I didn't need it. I made this agreement with the collection company One Advantage LLC. It was paid in full on XX/XX/XXXX or XXXX. They agreed to remove this account from all 3 credit bureaus all they have done is updated the payment of the XXXX Now XXXX XXXX is saying that XXXX is on vacation until Monday even though she told me yesterday that she was going to have another supervisor to remove it and she was to call me back. She did not call me back when I called her back today she is giving me the run around and saying they will update. I need this corrected.
Product: Debt collection

The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.
Product: Credit reporting or other personal consumer reports

I've sent in disputes since XXXX and Transunion has failed to investigate my dispute they keep sending me letters to verify my identity. on XXXX occasions I've sent in my drivers license, social security card and utility bill. They still failed to investigate my dispute and at this point they are in violation and i need help getting my report corrected asap i am being put in a hardship due to them not correcting my file. Ive asked for names, contracts and legal validation as to how these accounts were placed on my file and validated. I sent in my identity report and my file still have not been corrected. This is my finale attempt before seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company  whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

Conns XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX {$7400.00} Both companies reporting same debt and conflicting amounts owed, also Conns reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have XXXX student loans, one of which is with Discover. Discover has over {$100000.00} of student loan debt under my name and i have made every single payment in full and on time. These payments started when i lived with my parents and commuted over XXXX hours to work everyday. My circumstances have changed and although Im still employed I am now living on my own and my rent along with my loans leaves me with absolutely {$0.00} left from my paycheck. No money for the transportation, groceries, or any other living expenses and utilities. My minimum payment for Discover is not only unreasonable for any recent college grad, but for my income and loyalty to them as well. Ive called countless times and talked to countless people and the only option i *might* have is to defer for three months, BUT at the end of those three months the already ridiculous minimum will increase. I have continued to lose my savings to these loans because i do not want to ruin my credit or my future and Im at a point where i do not know what else to do. I can not make the payments they want me to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$600.00}
Product: Debt collection

On today, I was informed that XXXX XXXX XXXX repeatedly called a phone number at my job for the past two weeks attempting to reach me via the company unauthorized telephone. This number is not my direct line nor was this number provided to the company to call. The number is assigned to another employee in the office and not my contact information. I gave XXXX XXXX my cellphone number my home address, and e-mail information if the business needed to reach me. I spoke with the company several times to keep abreast of my debt with the company. Although, I communicated with XXXX XXXX, I continued receiving automated calls up to 10 times a day normally during work hours. In the end, the employees of the bank devised a plan to continuously call an unauthorized number using an automatic recording during my business hours. The recording was heard repeatedly by my co-worker everyday, several times a day for two weeks. This is not their debt. However, they were subjected to daily harassment. Also, my private information and debt to the company was exposed. I spoke several times with an agent today who informed me that it will take some time to remove that number from my account. Although, I never provided that number to the company. Now, my co worker will continue to receive the harassing phone calls until XXXX XXXX XXXX finds the time to remove the information.
Product: Credit card

I tried calling yesterday and today about a settlement agreement. I was denied help because of unavailability to pay any amount. I was told to call back the next day because of a IMPACT appointment with XXXX XX/XX/XXXX of XXXX. I called the number XXXX elan XXXX  litigation advisor gave me. She didnt respond any call on the number she gave me to call back. So I call the number behind the card for help on assistance. I was transfer to her by XXXX cardmember services. Basically she told me if I cant pay anything before XX/XX/XXXX they will take legal action.Even after I explained the unfortunate events I went through I was fired on XX/XX/XXXX of XXXX my Father passed away on XX/XX/XXXX. My Employer who fired me passed away on XXXX. I havent been hired since I have no money I dont know what else to do but complaint of this unfair judgment from Elan XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack knowledge on this matter, and the company acted without my consent.
Product: Mortgage

I attempted to pay off my mortgage in full. My account on Huntington Bank 's web portal indicated I owed approximately {$130000.00} ; however, Huntington Bank sent me a " payoff letter '' for over {$140000.00}. I paid off an excess amount of entire amount of {$130000.00}, {$130000.00} via check in early XXXX and {$1300.00} via wire on XX/XX/24. Huntington returned the wire for not being the full amount of the " payoff ''. Despite numerous phone calls and hours speaking with various Huntington persons, they have no explanation but claims there is a " second mortgage '' on my home. Huntington says they " surmise '' that the $ XXXX amount came from another bank ( that they acquired ) but they have no documents to explain it. I have paid my mortgage in full per my account and want them to release the lien asap, before another claimed payment is due on XX/XX/24. It have been discussing with Huntington for over 30 days and to date, they have not provided any explanation and are in essence holding me hostage for over {$6000.00}. They have just returned the {$1300.00} wire I sent stating it's not a " full payoff ''. I will now forced to pay more in fees and for home insurance that I don't want. I have already been paying exorbitant fees for " escrow '' and other charges that don't seem legitimate either. I have already overpaid them and they still are not satisfied.