23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from Ge capital retail bank to Synchrony bank. In XX/XX/XXXX XXXX said they acquired this account. On XX/XX/XXXX XXXX states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Finally this fraudulent crooked company did the ultimate mistake and just dropped my credit score XXXX points and get this they say it from not making payments THIS IS EXACTLY THE EVIDENCE THE FTC DOJ WAS WAITING FOR
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, TransUnion has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XX/XX/XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXX/XX/XXXX XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

The company I work for uses DailyPay to process employee pay. My pay is direct deposited to my bank account. This is a vital service DailyPay is contracted to perform for companies. Yet for several months, DailyPay has had notices on their website and app that processing is taking longer than usual and deposits could be late. I have experienced later than usual direct deposits on a few occasions, usually a few hours later than usual. However, my pay for this period is now more than XXXX hours late and I still have not received it. I called DailyPay and told them I need my pay to pay bills today, including a bill for {$1700.00}, and all they could offer was an apology and an offer to " escalate '' the problem, as if it is not well known to them. These delays are becoming more frequent and more serious. They have profound, real-world impacts on people. Yet DailyPay doesn't seem to be overly concerned. DailyPay needs to fix this problem or get out of this business so a more competent company can get this done.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUD. The account was brought current in XXXX and I made my first mortgage payment again XXXX. XXXX XXXX reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove an accurate account from my credit report which is a direct violation of the credit fair credit reporting act FCRA despite providing the necessary documentation to prove the inaccuracies Equifax has not fulfilled their legal obligation under the FCRA remove errors 15 U.S.C and 1681e ( b ) ) and 1681i ( a ) )
Product: Checking or savings account

My checking account with Citibank was placed on fraud alert on XXXX XXXX. Checks were forged and I received a copy of the fourth forged check and the bank is again trying to charge me XXXX from my now closed account and where they are also holding my VA federal funds hostage. This bank knows I didn't forge any check and why are they charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal credit union is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I had a spend acct. with credit karma due to filing my tax return with XXXX XXXX last year in order to receive the return faster. I again used XXXX XXXX this year and again they asked if i wanted to use the spend account to receive the return and i said yes.A few days later i got a letter from credit karma that the account had been closed and a check for the balance. Thed did send emails in XXXX XXXX and XXXX about the situation but I missed them.As it was too late to change the tax return I called credit karma and was told my return would be sent back to the irs as the account was closed. However, on XXXX XXXX my {$600.00} return was sent too AND accepted by credit karma.They had NO legitimate reason to accept the deposit. Not only was i told by their representative it would be returned but the email they sent on XXXX stating they had closed the account also says, and I quote " Any transactions that are presented to your account after it closes will be denied or returned. " They admit they have the money and they admit they have my correct address, yet after almost 3 month and endless call and emails they still have it. They claim to have sent XXXX checks so far but they never come.I dont belive they send them and they intend to keep the money.At this point they are no longer responding to emails and their call center is usless.I filed with the XXXX  to no avail.They resond with dates that allow for the case to be cosed without them actually doing anything.The checks never come. I am not alone there are hundreds of complaints just like mine with the XXXX.Nobody does anything about it.Gentlemen, your whole reason for your existing is so somebody can do something about it. Credit karma has already proved they use deceptive practices as they were sued and lost because of it.Im a XXXX XXXX XXXX vet, I cant afford to sue them and I need that money. Please help. They aready claim to have sent XXXX checks already but they never come
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Capital One was settled in full XX/XX/XXXX. As of today XX/XX/XXXX it is still being charged off each month by Capital One. It was paid in full to XXXX XXXX by XXXX XXXX XXXX XXXX XX/XX/XXXX. I have the paid in full letter from XXXX. I have disputed with all 3 credit reporting agencies and have sent certified letters to both XXXX  and Capital One with no response. In fact, the XXXX I have sent are still at the post office unclaimed. XXXX sent on XX/XX/XXXX, the other on XX/XX/XXXX. All i want is the reporting to show correct as of XX/XX/XXXX showing as paid in full for lesser amount and the charge offs removed for the months from XX/XX/XXXX til now. I have all documentation that I have sent to submit to you. I am frustrated that i have received no response and it has not been fixed by either Capital One or the credit reporting agencies. They have never sent me any more bills on this account because its paid in full, still showing balance of {$3900.00} on all bureaus.
Product: Credit card

Wells Fargo is claiming a hard inquiry on my XXXX report for XX/XX/year> that stems to a loan inquiry I did not make. Since my personal information has been hacked which can be proven and my identity stolen and found on the dark web and attempted to be used, I request this hard inquiry on my XXXX report for XX/XX/year> and my XXXX report in XXXX to be removed ( independent dispute on XXXX made ). It was not me! I did not contact Wells Fargo in regards to a personal loan! It was attempted use of my identity in order to obtain one I never authorized. The inquiry is not valid and needs removal off my credit reports.
Product: Bank account or service

A fraudulent marketing firm asked me to be a mystery shopper. They gave me a check to deposit in my account to cover my activities on their behalf. I deposited the check and waited for the check to clear. I checked with Suntrust on whether the check had cleared on the XXXX of XXXX in person. At that time they up sold me on a credit card and did not recommend any action on my part. Then I called a week later, the marketing firm was asking me to complete the store evaluation, suntrust 's person on the phone told me my account was being closed. At the time I had {$1300.00} in the account. I did not understand. I recieved a form letter that said the check was being held pending investigation and my account was frozen because the amount of the check was greater than the amount in the account. I tried accessing my account online and it did not exist according to the Web site. On the XXXX they sent the check back and charged me a retuned check fee and an overdraft fee. I had not removed any money from the account. XXXX XXXX I received a check in the mail for $ XXXX {$48.00} I went into the branch to find out what was happening and they cut up my debit card and said they were severing their relationship with me. This is while I have a credit card with them and an unreleased mortgage. They foreclosed on my house after refusing to refinance and refusing to modify after I paid the mortgage for a year and a half while unemployed and under employed and maintainted the mortgage on another home. I was homeless and living in my car while paying them. I was working and earning {$3300.00} per month while the mortgage was {$2600.00} and condo fee {$460.00}. that is a whole other story. It is just to say that my relationship with suntrust has been too long and they have made my life more difficult and I just feel like they messed with me again and stole {$36.00} dollars from me. They sold my house out from under me and have not released the debt because the worth of the house was more than my remaining mortgage and $ XXXX more than they sold it for. I have no idea how to get rid of this albatross. I would like to sever my relationship with them but I do not know how to do it. Really from this interaction all I want is my overdraft fee back and the credit card request off of my credit report
Product: Student loan

In my previous complaint I explained that my XXXX XXXX XXXX consolidation loan was not forgiven. During discussion with the " servicer '', MOHELA, I asked about and was assured that my loans would not be transferred to their " new platform ''. In XXXX, my account was " frozen '' as they transferred it to their new platform. It has been given a new account number. 
MOHELA has also addressed correspondence to my wife. I am the sole signatory on the promissory note that consolidated our loans in XXXX. It has been illegal for loan collection agents to contact family friends or employers since the XXXX XXXX. 
I have asked MOHELA to conduct any further business with me through US Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit profile. I have already called the company and submitted a complaint to the company and requested they fix the matter and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ask credit bureau to investigate the amount owed and send me the results never received it telling me was verified not good enough
Product: Debt collection

I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!
Product: Student loan

I am part of state of XXXX  XXXX XXXX XXXX XXXX ( XXXX  ), checks are from the XXXX  XXXX XXXX. Mohela is my student loan servicer. the university of XXXX  on XX/XX/year> sent Mohela payment of a bulk check amt of {$320000.00} and designated my payment of {$310000.00}. on XX/XX/year> Mohela only applied a payment of {$1100.00}. My current loan balance is {$2000.00}. This last payment from the XXXX  XXXX XXXX was supposed to pay off my loan in total. 

I have made multiple phone calls; taking up to XXXX hrs to speak to Mohela customer service reps and multiple " supervisors ''. I have filed multiple complaints on Mohela website. I have used XXXX to make these phone calls because I live in Hawaii and it takes up so much time to just speak to someone at Mohela. 

I have filed complaint on the XXXX XXXX XXXX website I have been trying to seek additional assistance from the XXXX  XXXX. Most recent email sent from this program XX/XX/year> : " If you are asking for additional help, then no. the fiscal department will not sign off on an additional {$2000.00} whilst the first is still unaccounted for ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have a balance on my rental history saying I owe {$4000.00} to a property which is incorrect so Im trying to get this resolved and off my rental history report
Product: Credit reporting or other personal consumer reports

I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX  XXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX  XXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT
Product: Money transfer, virtual currency, or money service

Im 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 has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account ( s ) 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

Student loan balances are incorrect. The balances for Dept of EDXXXX XXXX XXXX XXXX. Loans have been discharged totally.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Acima Leasings inaccurate furnishing of information to credit reporting agencies, as well as XXXX failure to maintain maximum possible accuracy. 

XXXX. Acima Leasing claims in its XX/XX/XXXX, response that my first missed payment occurred on XX/XX/XXXX. However, my XXXX credit report for XX/XX/XXXX shows the account as current, contradicting Acima Leasings claim.

2. Despite this, Acima Leasing reported the account as delinquent, resulting in a charge-off status on XX/XX/XXXX. 


These actions violate the following federal statutes : 15 U.S.C. 1681e ( b ) : XXXX obligation to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibition against furnishing inaccurate information.

15 U.S.C. 1692e : False and misleading representations in debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the account XXXX XXXXXXXX XXXX  XXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.
Product: Mortgage

Pennymac drastically under estimated our escrow account because they did not look at the actual tax bill, they look at what was paid the previous year ( we only owned the house from XXXX-XXXX  that year ). This seems negligent because our tax bill was put out in XXXX and our escrow analysis was done in XXXX. They had access to the accurate numbers yet chose to use inaccurate numbers. Due to this inaccuracy we had a deficate in our escrow account and now they are raising our mortgage payment 40 %, our payment is going from about {$1200.00} to about {$1700.00}. I have spoken with several different representative at Pennymac trying to figure out how they allowed this to happen and why they take no responsibility for their inaccurate estimate even though the correct information was available for them to use and each person gives me a different story and excuse and all refuse to admit there is anything wrong about the situation.