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

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXXXXXX XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX Balance Owed : {$51.00}, XXXX XXXX************** Balance Owed : {$270.00},
Product: Debt collection

From XXXX XXXX many Federal Government complaints was filed against Prestige on fraud and corruptions of vehicle loan and purchase in XXXX, Texas on around XX/XX/XXXX during my Bankruptcy Chapter XXXX proceedings in XXXX, Texas. 

On around XX/XX/XXXX or XX/XX/XXXX the vehicle was Voluntary Surrender in excellent conditions to Prestige Administration. 
On XXXX XXXX there is a collection for {$10000.00} and {$7600.00} in which on my XXXX, XXXX, XXXX credit report is very damaging. 
Prestige has a Collection/Charge off on my credit report and damaging my credit. 

This debt shouldn't be on my credit report or any where on my Consumer Report. 

I am XXXX XXXX and Retired and a XXXX XXXX XXXX XXXX XXXX. 
Prestige Financial Administration is in violation of my ADA Disability Civil Rights Act under Department of Justice.
Product: Debt or credit management

Transunion has been the worst experience. I cant be transferred to a proper English speaking supervisor to have my freeze lifted from my credit profile. The attitudes they give me is the worst, they dont want to work with me at all. They keep giving me the run around. 

XXXX seems to have no clue what they are doing sat on the phone for hours trying to check and update they lied said they didnt see the proper documentation another one died its really overwhelming how Ive been treated.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my TransUnion report that I did not grant permission for the company to run. Please delete XXXX XXXX XXXX XXXX XXXX from my TransUnion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX TEXAS ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr cooper has decided to report my account as delinquent when indeed Im in forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest credit systems posted on my XXXX and XXXX credit reports a debt which they acknowledged i owe southwest credit systems the amount of $ XXXX.Southwest credit systems indicates in the credit report agencies that it account was opened on XX/XX/2023 and is in open status as XX/XX/XXXX XXXXSo I demand southwest credit systems to formally show me the original copy of the contract agreement which i signed to this debt with Southwest credit systems and if they cant they need to erase derogatory marks from my credit report.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020. I tried to access my account online from Experian and they kept telling me I needed to sign up for a membership. The membership is a PAID service. I tried to call customer service but every phone number I could find was answered by a computer, and there was NO option at all to talk to a live person. Every option led to yet another computer and there was no way to go back a step to make a different selection, nor was there an option to return to a main menu. The only alternative was to hang up, redial, and start over again entering about 5 minutes of screening information. Back on my computer I entered personal information on the membership form. Up popped a price list for services. Nowhere did they tell you there were also free services. Same thing happened when I tried to put a freeze on my account. Up popped a message that I had to pay. Please stop Experian from charging for free services
Product: Credit card

Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 reported in to be removed. 

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. 

XXXX 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! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I sent Santander Consumer USA a letter to validate my debt they did not submit the proper documentation to support. Also when the car was repossessed they did not send the proper documents to allow me a chance to get it back. When the car was sold after i wasn't able to get it back they did not send documents stating it was sold and the balance has been reduced. These are laws stated by the FRCA that should be followed by all creditors. I think they are illegally reporting to the credit bureaus based on these laws.
Product: Mortgage

Chase supposedly disbursed funds from my escrow account, but they can not produce an invoice. They claim, " we receive insurance bills electronically and we don't usually keep a copy after it is paid. '' Either they are lying to me, or they are not maintaining reasonable and proper records.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$120.00} and asked for help from cash app and didnt receive any and under article 315 of the revised penal code that such false pretense or fraudulent representation was made or executed prior to or simultaneously with the commission of the fraud ; that the offended party relied on the false pretense, fraudulent act, or fraudulent means and was induced to part with his money or property ; and that, as a result thereof, the offended party suffered damage.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric 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: Debt collection

I was exercising my rights as a consumer by requesting appropriate documentation verifying XXXX accounts from Portfolio Recovery. After several attempts over the course of 30 days, they failed to do so. Portfolio Recovery recently has been involved in legal matters regarding allegations of violation of various laws including the Fair Debt Collection Practices Act.
Product: Debt collection

I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.
Product: Credit card

I paid in full the balance of an American Express credit card in XXXX, XXXX before the due date of XX/XX/XXXX. First, the interest rate are ridiculously high, but after I paid the balance off in full, I received a subsequent statement billing me for additional interest. This has to be illegal.
Product: Money transfer, virtual currency, or money service

My name XXXX XXXX complain paypal balance because they close my account and hold my money I not seller I just use paypal like banking deposit my payroll check last time using my paypal cash card was on XXXX and next day with no warning I get email close account for violaction of terms but I call to request info, but no one tell me anything just sorry your money is hold for 180 days I was save {$1000.00} for specific things to pay and on balance {$31.00} total savings and balance {$1000.00} dollars on hold and not explanation the all please can you help me this is the company name Paypal.com XXXX XXXX California
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt XXXX correcuy. 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my XXXX instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

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

I sent several letters of goodwill to PNC which included a 30 day failure to respond, 60 failure to respond. Their timeline to respond was over 30 days and should by law have the negative information they are furnishing removed.
Product: Credit card or prepaid card

I received an email from PayPal confirming the purchase of XXXX XXXX XXXX for {$180.00}. I did not make the transaction. It is fraudulent. I immediately went to my PayPal account online, but the system told me I could not report fraud on that type of transaction. So, I telephoned PayPal customer service and the told me they will open a " case. '' I asked to close my PayPal account. They refused, saying it was not possible until the case was resolved. They said I must WAIT 30 DAYS TO CLOSE MY ACCOUNT! They refuse to delink my credit card and email address. So I remain vulnerable to fraud. I called the credit card company and asked them to block the transaction which they did immediately. I telephoned XXXX and they said they could not help me. PayPal said they can only cancel the fraudulent transaction if XXXX agrees and in the meantime I must keep my account open. This is insane.
Product: Debt collection

My name is XXXX XXXX Reference # XXXX XXXX XXXX is the debt that is " owed '' is {$1400.00} the semester wasn't finished due to an illness in the family and I failed to cancel the course. I called today to offer to pay the cancelation fee and requested a letter for the debt to be removed after paid. The representative I spoke to stated the cancellation fee was {$380.00} plus {$20.00} processing fee. I called XXXX XXXX spoke to XXXX and he confirmed the cancelation fee is {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act this CitiCard Account has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you may now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

( CFPB ) has recently filed a lawsuit against cashapp, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where cash app has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as cash app inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I received your response XXXX ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint on ( XX/XX/year> ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.
Product: Credit reporting or other personal consumer reports

On experian I have a fraud account called credit collection its supposed to be removed from my experian credit report I filed a federal trade commission identity theft report on social security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, JPMCB Auto Finance, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX all placed inquiries on my credit reports without my authorization. I have contacted these companies along with XXXX, XXXX, and XXXX to notify them of the error because my credit was run an excessive amount of times and putting that many inquires on my credit report at one time has damaged my credit score. I was not made aware that multiple inquires across and as a consumer it has made it difficult to attain credit from anywhere because of the multiple inquires I did not authorize.
Product: Mortgage

Mr Cooper had a mortgage for my parents, they passed, has the executor I sold their home and funds were owed to the estate that were escrow after the house closed. Mr. Cooper acknowledged they owe the estate but still no funds this house was sold XX/XX/2019 and it is XX/XX/2019. I understand there are three checks one {$600.00} and the other two around {$25.00}. 


XXXX XXXX XXXX
Product: Mortgage

We accomplished an IRRL with a closing on XX/XX/XXXX. We have been with Freedom Mortgage since XX/XX/XXXX. 

We switched our homeowners insurance companies selecting a local servicer with lower rates in XX/XX/XXXX. Freedom Mortgage paid XXXX ( XX/XX/XXXX ) {$2000.00} for homeowners insurance for the period of XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, Freedom Mortgage paid new insurance provider, XXXX, {$1600.00} for the period XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, XXXX refunded {$2000.00} to Freedom Mortgage and was put into our escrow account. 

Freedom Mortgage has decided that we owe, for escrow shortage, {$3600.00}. Our taxes have decreased by {$100.00} per year. Our homeowners insurance has decreased by {$400.00} per year. Our escrow monthly payment was {$780.00} per month. Effective, XX/XX/XXXX, our monthly escrow payment is {$760.00}. However, even though our taxes, insurance, and monthly escrow has gone down, Freedom Mortgage insists that we must pay an additional {$300.00} per month towards our escrow shortage. 

After multiple discussions with representatives from Freedom Mortgage, they are unable to adequately explain or justify the change. Additionally, they will not re-compute an escrow analysis. The additional amount per month is an excessive financial burden and incorrect in its calculation.