23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On several dates I have sent letters into the credit bureaus as well as Midland Credit Management and I have yet to receive a response from either. I am asking for the collection company to validate the account per the FCRA law that is my right and they have yet to respond with the requested information. I want it to include the full payment and charge history of the account.
Product: Credit reporting or other personal consumer reports

I have Inaccurate information on my credit report. I have made this known in the past and as an example I requested that my XXXX address and XXXX phone numbers, Employers etc. Also there are When these things were taken off and then a few months later it back on there again. Please see and read my handwritten letter. I am requesting that a live Human Being read and correct my Credit Report. Again I am requesting to have my credit report cleaned up at once. 


I have put XXXX and XXXX on Notice
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, it reflects XXXX late payments on an account for which I made all payments on timeXXXX ACCOUNT NUMBER STARTING WITH XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information with complete accuracy. This account has always been in good standing, with no late payments. I have attached a copy of my credit report highlighting the inaccuracies for your reference. 

I am requesting that you investigate this matter and provide verifiable proof of the late payments reported. If this information can not be verified, I kindly demand that the late payment records be corrected to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and update me on the status of your investigation.
Product: Debt collection

This is my third attempt to contact Gatestone & CO. International Inc. about violating my consumer rights. Unfortunately, Gatestone & CO. International Inc. did not respond to my original CFPB compliant ( XXXX ) nor the letter that I sent to them via certified mail through the United States Post Office within a timely manner, and their silence is an admittance of violating my consumer rights and are required to pay me {$6000.00} by check on XX/XX/2022.
Product: Debt collection

This company has called me XXXX times about a " debt '' that I owe, but will not tell me what this debt is from. I do not know of any outstanding debts that I have, and nor will they tell me what this debt is supposedly from. Were very threatening on the phone that they would continue to come after me. I asked them for verification that they were a true company and not a scam, because I do not give out financial information over the phone, and they would not give me a website or any other way to verify that they were real.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Equifax a letter informing them that they are reporting inaccurate information of a account that is not mine. ( XXXX XXXX XXXX  ). I asked them to plz validate the information with XXXX and to send me any documents that will prove that it is my account. ( Plz see Ex-A ). 

On or around XXXX of XXXX I sent a 2nd letter to Equifax to solved the problem that they are reporting fraudulent inaccurate information on my credit file. ( Plz see Ex-B & Ex- ( b ) ). 

On XX/XX/2020 I sent Equifax a 3rd attempt letter demanding them to delete the unknown accounts that they are reporting also to send me the method of verification they used for the despute. ( Pls see XXXX, XXXX ( c ) and XXXX- ( b ) ). 

Too date, Equifax is still reporting the above fraudulent/inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 Electronic Fund Resolution Act ( EFRA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Mortgage

Bank of America engaged in dual tracking me in  XXXX    XXXX  . As seen in the attached letter from Bank of America, dated  XXXX   XXXX ,   XXXX  , they had the documentation needed to process my loan modification. It states that the process should take no longer than thirty days. Instead of working on modifying the loan, Bank of America turned it over for foreclosure on  XXXX   XXXX ,   XXXX  , even though they were the loan servicer, and would continue in that role until  XXXX   XXXX ,  thirty  days after the aforementioned letter. The loan was transferred to  XXXX , and between Bank of America and  XXXX , progress was delayed allowing the HAMP program to expire. I had questioned the dual tracking in my previous complaint ( which had  two components )  and have attached a copy of that letter. When contacted by Bank of America with their research about the complaint, the representative had no reasonable explanation for the dual tracking and would have to investigate further. I was told that I would receive a hard copy of the report, as well as an email containing their findings. I confirmed the email address to insure accurate delivery. I received nothing. I have contacted the representative for Bank of America on  three seperate occasions, leaving a detailed voice message each time.. Again,  no response.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following names are on my Experian Credit Report which are not the correct spelling of my name. These names are incorrect and improperly on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i have filed NUMEROUS complaints about this single issue and someone doesn't understand. I have a written payoff good thru XXXX which was paid BEFORE that period of time. NOT the intitial principal quote that i was given verbally. 
I received a PAYOFF -- -paid it off before expiration of payoff and a small balance of {$80.00} was transferred to a new servicer. please stand by the consumer here -- ME! that is literally your job
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This account was charged off on the following XX/XX/XXXX. Since then the account was reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a car through Carvana and they did not disclose to me that they were using XXXX, a shady comoany who currently has a class action lawsuit against it and multiplestates worth of complaints for unethical business practices. I have been bombarded day and night with some woman named " XXXX XXXX '' claiming tk be XXXX as a result of this mess. I have a XXXX XXXX XXXX greatly impacted by stress and the comoany Carvana along with XXXX has a data leak of my information where now a scammer from the XXXX calls me relentlessly. I hold Carvana liable for withholding information about the class action lawsuit and hiw bad of a loan servicer XXXX is. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a result, I tried to call both Carvana and XXXX a d they lie, withheld information about hiw many problems people have with this shady terribke loan comoany and now I almost had a XXXX from stress dealing with them. Carvana is unprofessional as XXXX is a shady company. 

Carvana has caused me so much grief from lying to me. If I had know the seriously poor reputation XXXX had, I would have never used them for a loan. 

Carvana needs to cease and desist immediately from using them and I demand they warn future customers about their shady side and the lawsuits and huge complaints. 

I paid my first payment online and do not nee them to ever call me. I had a loan on a truck for 6 years and never missed a payment. So I do not want the horrid harrassment caused by Carvana and XXXX to continue. 

Nobody shoukd be called nonstop ceaselessly because two companies withheld important information from me as a consumer so I could make a informed decision. Please refer this matter to the federal government for data purposes so this stops and Carvana is forced to stop using an unethical company and disclose to consumers the problems with XXXX. It is despicable they took advantage of a person with a XXXX as well. I wish I never did business with Carvana.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not reporting my credit at all. They say I only will have credit. W them. Company I bean making payments in time n I still have XXXX credit. For XXXX year already .this company name. Westlake financial services ..they said they can't report. Because. I have itin #. No a ssc
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i have filed a dispute in accordance to Section XXXX of the Fair Credit Reporting Act allows the credit reporting agencies 30 days to complete their investigation from the date on which they received the notice if not process within or notice to given requesting extension the derogatory info must be removed. However I have several disputes that are 45 days old and no answer.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX contacting the CFPB regarding my Bestbuy/Citi account on the late payments XXXX 2020. Please see the attached documentation enclosed.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher XXXX and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Cash Net .com said I took out a loan online on XX/XX/XXXX in the amount of XXXX. I told them I did not. They did have some of my personal information some was right and some was wrong. The guy on the phone was very rude and hateful. 
Now XXXX XXXX XXXX ( number they called from XXXX ) is calling with the same information They said the money was deposited into a XXXX XXXX  account in my name with the last four digits of the account number. 
Both companies said they had reached out and sent notices by email but the email they had was not correct. 
I called XXXX XXXX on XX/XX/XXXX they confirmed i did not have an account with them and the account number I was given by XXXX did not exist. 
XXXX informed me I needed to pay the money or file a police report so I have spoke to the police.
Product: Checking or savings account

There is an ongoing issue with BMO Online Banking. I have been trying to access my Online Banking from both website and app for my businesses and it is not working. Every time I try to log in, the password is incorrect. I proceed to change my password using " Forgot My Password '', which I am then able to change it and log in. However, when I log out and try to log back in using the new password I just changed to, it gets back to the same error " Hmm. The information you provided doesn't match our records. Try again? '' I have changed my password 10 times within the last 3 days since I have to create a new password every time I need to log in. I talked to BMO customer service representative on XX/XX/XXXX at XXXX PST who was unable to assist me with this issue. 

Ever since the merger from Bank of the West to BMO, I have been experiencing a plethora of issues with accessing and managing my account, XXXX, bank transfers, check deposits, bounced checks, check holds, refusing to pay check despite etc that has resulted in various fees, penalties, and charges that has been unfairly and unduly assessed. BMO has failed to maintain any sufficient standard of care and customer service. I am part of the millions of Bank of the West customers who have been plagued with ongoing issues with no recourse. Despite having knowledge and admitting to these ongoing plethora of problems associated with the merger and promising a smooth transition without any issues, BMO has failed to address these issues and instead proceeded to charge and profit off their customers by their willful omissions to issues wholly caused by their willful omissions and failure to take accountability. This is completely unacceptable and warrants a thorough investigation into BMO 's unfair, deceptive, abusive business practices.
Product: Credit reporting or other personal consumer reports

I have no idea what this collection is I have never done business with the company or the original creditor of XXXX XXXX I demand for them to remove this collection off of my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> 30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/year> XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 4 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Experian Credit Reporting XXXX to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Student loan

Navient aggreed to reduce the interest rate on my account to .0001 % and take automatic payments of XXXX dollars a month to help pay down my balance. The .0001 % interest rate was supposed to begin after I made XXXX qualifying payments. I began making the payments in XXXX 2015, the reduced interest rate should have began in XXXX 2015. They never reduced the interest rate and although I continue to pay them the XXXX dollars a month, my balance continues to grow. I called the Navient Department handling my loan in XXXX 2015. They assured me that the interest rate would be reduced to .0001 % and that my total loan balance would be adjusted. When I received the statement in XXXX, my loan balance increased again. They lied and mishandled my account. I attended the XXXX New Jersey.
Product: Credit card or prepaid card

I have never received a debit card for the Oklahoma unemployment benefits. I have waited 21 business days. I have made a call for over three weeks and am on hold for as long as 4 hours and NEVER get a representative to answer my call. I have tried at XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 
The company is supposed to be open 24/7. 
I cant believe the representatives have an over load of clients needing help at the times listed above. 

Please help. Because I cant access money that has been awarded to me with out this debit card I have went without my XXXX, XXXX  and XXXX XXXX medications for over a week
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( Experian, XXXX and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Product: Credit reporting

I am a member of XXXX. On Equifax it states that I have an open account and XXXX closed account. I had only XXXX loan with them and it is now closed since 2013. Its showing on my Equifax that I have an open account. I want to dispute it but unfortunately the system can not find my file. Please help
Product: Mortgage

On XX/XX/2022, I attempted to access my online account for monthly statements of which I have not reviewed in almost a decade. Throughout that time, the loan has been sold and bought by various lenders. 

Most recently, when SunTrust was acquired or merged with BB & T to form Truist, I lost my ability to access my account to ensure it is being serviced accordingly. In an attempt to solve this problem, I attempted to reinstate my account with the new Truist platform, but to no avail.

In an attempt to rectify the situation with Customer Service over 24-hours, the bank - Truist, did not provide solutions and continually lied to me regarding their intent to fax me my recent statements.

Complaints addressed here : 1 ) Failure to provide access to my own customer information 2 ) At minimum, 5-calls were made all with 30-min plus waiting times.

3 ) In every instance, no representatives were able to remediate the issue nor understood how the merged systems of BB & T and SunTrust into Truit may have impaired our ability to recover our accounts. 

This seems to be a common issue as evidenced by the following news report : XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent dispute letter out on XX/XX/2022 to the three bureaus XXXX XXXX and equifax, still not response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 

1. Validate AccountXX/XX/XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XX/XX/XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XX/XX/XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX24 a collection from the company radius global solution was reported with a balance of {$380.00} on my TransUnion. I checked my credit using XXXX XXXX and XXXX. However, on my XXXX the account is reporting at {$590.00} which reported XX/XX/XXXX. Therefore reporting amount is inaccurate, and should be deleted from my credit report due to the fair credit reporting act. XXXX XXXX. XXXX et seq.