23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number XXXX Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days
Product: Mortgage

I had a kitchen fire in early XX/XX/XXXX. I contacted XXXX XXXX and Roundpoint Mortage the next day. XXXX was fantastic theysent an adjuster right out and had acheck with in a week, made out to me and Roundpoint Mortage. I have filled out all of their forms and supplied them with tons of extra paper work. They claim they will send out a check with in 7 days. Its been 5 months the first contractor I hired was an out right theif he was terminated in XX/XX/XXXX he was paid {$1700.00} out of the first and only check received from Roundpoint I also purchased a stove and microwave which were distroyed d in the fire. After contractor was fired my Freind and I removed all insulation and replaced with new cut out burnt sheet rock replaced taped and mudded the whole ceiling and painted the whole upstairs at this point Roundpoint sent an inspector to see the progress she judged it 98 % complete Roundpoint sent acheck made out to me and the terminated contracter I tried to get old contractor to sign the check he refused I informed Roundpoint at this time XX/XX/XXXX since that time they have demanded reams of paper work which has been supplied and they claim they never received it. Their inspector inspected the work judged it 98 % complete I have paid for repairs and XXXX wages out of pocket. They found it good enough to send the check once the work has been done the quality way above what a hired contractor would do. Im the one that has been living in half a house my plants are dying havent been able to cook or have any type of normal life because Roundpoint will not send the money to pay for what has been done and also complete the job. I have pictures before and after. They claim in their paper work that if your Mortage is current you will have your check with in 7 days its been 5 months I want my house back 100 %, Roundpoint should not be able to profit from a fire that distroyed my house They have the Insurance money and Ive fixed the house.
Product: Credit reporting or other personal consumer reports

I'm looking to gather information from Capital One that listed an account in collections to my personal report as a co-signer from a business credit card account that was opened. I've requested info from Capital One which they've declined to provide and/or gave me excuses why they can't open a new account with no details.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize XXXX XXXX XXXX, and Equifax to access or use my credit information. At no point did I open an account with this company or give them permission to use my credit information. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically [ cite specific sections of the law, e.g., Section 604 for permissible purposes of consumer reports, Section 609 for disclosure of information to consumers, etc. ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. XXXX  and Experian have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of XXXX, Experian and XXXX XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.
Product: Mortgage

I completed a modification packet to my mortgage company, Roundpoint Mortgage Servicing Corp. They sent me the completed modification documents in the mail. They said I had to contact them verbally to agree to it before XX/XX/2022, which I did. The first payment is supposed to be on XX/XX/XXXX in the amount of {$600.00}. Now they are trying to breech the contract, and not honor the modification.
Product: Student loan

Was on the REPAYE plan making payments of around {$30.00} per month, and was automatically switched to the SAVE plan but now my repayment is {$280.00} a month.

There is no explanation to the miscalculation, none of my financial information has changed ; the SAVE plan is supposed to be lower than what I was making under the REPAY plan. 

Hours on hold, only to be helped by customer service agents that are " being trained by their mentor '' except the mentor is not on the phone call.

Waiting for my " new '' IDR to be processed.
Product: Consumer Loan

Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.
Product: Debt collection

Subject : Debt Verification Request Account Number : [ Account Number or Reference Number ] Dear [ Debt Collectors Name ], I am writing to request verification of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I recently received a notice from your company concerning this debt, and I am requesting that you provide sufficient verification.

Please provide the following information : 1. Verification of the debt, including the original creditors name and address.

2. Proof of the amount owed, including any fees, interest, or additional charges added to the original balance.

3. Verification of your authority to collect this debt, including any documentation that you are authorized by the original creditor to collect on this debt.

Until I receive this information, please consider this debt to be in dispute. Additionally, under the FDCPA, I request that you cease all communication with me regarding this debt except to provide the requested information or to notify me of any specific actions taken with respect to this account. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Sincerely, [ Your Name ] Important Note : Send this letter via certified mail, with a return receipt requested, to have proof that you sent it and the agency received it. Always keep a copy of the letter and the return receipt for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of the following account that Experian continues to report on my credit file : US BKPT CT XXXX XXXX   Dispute for XX/XX/XXXX : I received dispute results. Outcome stated, " The company that reported the information has certified to Experian that the information is accurate. XX/XX/XXXX I called Experian and requested the name of the company who reported the information. The representative XXXX stated, " We don't disclose who gives us the information. '' She transferred me to the fraud department. The rep there stated that, " A group of people go out and check public records and reported it to them. '' Nether representative could provide me with a company name or any proof of verification of how the information was obtained. My complaint is that Experian has not been forthcoming with the name of the company that provided them with the Bankruptcy information that they are reporting on my credit report. Courts do not report to credit bureaus. I demand and request this public record US BKPT CT XXXX XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report a couple of weeks ago and noticed a collection account named XXXX XXXX XXXX XXXX was added to my credit report. The company states I owe them {$37000.00}. I have no idea where this account appeared from. I have lived in my house, paying my mortgage going on 2 years now. My apartment before my house was in XXXX and I never missed a payment or was late paying. This account can not belong to me. I have XXXX open accounts ranging from credit cards to auto loans and haven't missed a payment on anything within the last 5 years. This account is fraudulent and the company does not care the debt belongs to me. They call and harass me daily for money and will not remove the account from my credit report. My credit is my lively hood. I went to the police and they have provided me with a police report.
Product: Money transfer, virtual currency, or money service

I was scammed by someone who claimed that he was purchasing the furniture I was selling on XXXX. On XX/XX/XXXX, He send me a cashier 's check of {$1900.00} which was way more than he should pay me and told me that he was in New York and he needed my assistance to pay the deliver service, that's why he mailed me a check with the amount more than the cost for the furniture. He asked me to pay the deliver service via XXXX with two different transactions ( {$1000.00} and {$670.00} ). I deposited the cashier 's check and it showed a credit of {$1900.00} on my bank account so I made the XXXX payment for a total of {$1600.00}. Right afterwards, I called my local police department about the big check and I was told it is a scam. So I called my bank right away and asked to stop the payments. On They said that they can not stop it and asked me to file a dispute later. On XX/XX/XXXX, the cashier 's check of {$1900.00} was returned. I sent a disputes later in XXXX. However, Ally closed the disputes on XX/XX/XXXX saying that the transaction was completed with a merchant with whom " I had established a relationship ''. But this was not true. I was lied to by the scammer to send the money to the deliver service with the email address and the person whom I had not contacted with or verify. Such " deliver service '' never existed. And after I sent the payments on XXXX, the scammer disappeared. When I tried to request the money back from the email address, it says it is not existing anymore. I had requested them to invested it again and on XX/XX/XXXX, they sent me the exact same reason why they would not get my money back. The transactions were sent to person named " XXXX XXXX '' with email XXXX, which I was told by the scammer. I contacted XXXX for the receiving bank information. The receiving bank is XXXX  XXXX XXXX, and they also told me the transaction numbers for the two payments. One is XXXX ( {$670.00}, XXXX confirmation number ), the second one is XXXX ( {$1000.00}, XXXX ). The police report with XXXX County Police Department of Maryland is XXXX, with the police officer badge # XXXX, their phone is XXXX. His handwritten last name is unclear to me. 
The communication with the scammer was in text messages but they were lost.
Product: Mortgage

Roundpoint is reporting a 30-day late on mine and my wife 's credit report. This needs to be removed as I was coming out of bankruptcy at the time of my servicing transfer, and I was not contacted regarding being a payment in arrears following the bankruptcy release. I contacted my previous servicer and trustee ; all payments were accounted for, but the loan was due for XX/XX/22. During the RESPA period with Roundpoint, I was never contacted or advised that a payment was needed. I have made all payments according to the plan and kept in communication throughout the bankruptcy, and I should not be responsible for the lack of communication from the new servicer. Since the transfer I have made all monthly mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX Upon reviewing my lexis nexis report i found that there is a claim report on a vehicle from the previous owner before i purchased the same vehicle XXXX months after. 
XXXX file number is XXXX XXXX claim is XXXX Previous owner policy number/type is- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX number of vehicle is XXXX My name is XXXX XXXX and Fiance name is XXXX XXXX we purchased this vehicle XX/XX/2021 and on our Lexis NexisXXXX XXXX report says that there is a claim from XX/XX/2021 on our report. 
Please for correction. 
Also there is a open claim from XXXX where it says that they paid XXXX $ to me and some insurance companies get confused that i have a claim still open. Please for correction so future misunderstanding is avoided.
Product: Money transfer, virtual currency, or money service

I am feeling a complaint against Cash app ( block, ink ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically cash app. Failed to take timely and effective measures. To prevent and prevent an address fraud on their platform leaving my account, vulnerable and unprotective further more the dispute resolution process was unfair and deceptive as they did not comply with era resolution requirements Under the electronic fraud, transfer act and regulations E these action had caused significant inconvenience and financial loss I seek appropriate reddress for these violations. Also, my child has been affected with his cash app, which is under parent authorization on my account. I have gone through loss of lots of money and have been sad because I can not recuperate the frauds that Ive been made to me and Ive made dispute and had no answers. Thank you for your consideration.Have a blessed day sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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 purpose.

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

Creditor Name : XXXX XXXX Im accordance with the Fair Credit Reporting Act XXXX XXXX  Has Violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2
: also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the following be deleted from my consumer reports for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act : STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN Also under 15 USC 1681 Section 602 A I have a right to privacy. 

The following inquires are unauthorized on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I send my to wrong number or person and i need refund
Product: Payday loan, title loan, or personal loan

I have bought an 18k solid gold ring from XXXX known as XXXX for XXXX dollars on XX/XX/XXXX and I paid with affirm.com as 3 payments. I received the ring which is SUPPOSED to be 18k solid gold but when I tested the ring it was gold plated 14k gold only and not solid 18k gold and the band was done so very thin that it looked as if it was stretched to resize it to a bigger size and the ring was supposed to be 9.6grams but I received a 6,8 grams ring and that is 33 % less weight that what I paid for and also it is NOT real gold and it is NOT 18 k solid gold so I was scammed by XXXX ( XXXX ). I opened a dispute case with affirm.com on XX/XX/XXXX and until today they have done nothing to refund my money and they still have not given me a decision. I sent them all the documents and evidence they asked for but NO response from affirm.com. Affirm.com needs to decide this dispute case in my favor and refund me XXXX the money of XXXX dollars. I gave them all the evidence they asked for and the test that it shows it is NOT 18K solid gold. It was gold plated 14k gold and that is fraud from the seller XXXX ( XXXX ). Affirm needs to resolve this dispute case to my favor and NOT ignore it and its been more than 30 days since I filed the charge dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX  XXXX XXXX   XXXX {$21000.00} XXXX XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

this my second time disputing this fraudulent auto loan. this is the second fraudulent car on my report. I'm senior citizen and I was taking advantage of. all I can think of is a man from a loan company coming to my home and getting me to sign my name for a personal loan that never happened. i believe he took my signature and use it for numerous of things. please someone help me.
Product: Credit card or prepaid card

this credit card company walmart by synchronty bank account number XXXX this company close my account but still making me pay payments to the account I question that because the account is close I need your help to stop this.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal holds my money for 180 days, and the big issue is all the money I have is there, and my pocket is empty XXXX their customerservice, they don't even care about people 's lives .. I submittedall the documents they asked me for, but unfortunatelythey didn't let me continue my work or even send me 50 % of my money to stay alive .So I decided to text you and I have all trust that you will step in and help me to solve this issue, that will be greatly appreciated .Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX purchased my student loans from XXXX. XXXX updated the information on XXXX and XXXX Credit Bureaus, but not Experian. As a result, it incorrectly shows that I owe both XXXX and XXXX for student loans. However, the XXXX balance should be {$0.00}. I have contacted Experian, XXXX, and XXXX. Each organization is blaming the other. Experian, despite me submitting evidence that the account balance is {$0.00}, says that it's up to XXXX to update the correct balance. XXXX blames XXXX for not reporting that it paid the account off. XXXX says that XXXX is responsible for updating the account balance. XXXX and XXXX both agree that the account balance is {$0.00}, but refuse to report it correctly to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank - torrid credit card. They have not reported any account changes since XX/XX/2022. I have since paid off the account, and my report is still reflecting a high balance of around {$2300.00}. My balance is now at {$200.00}. It has impacted my ability to gain financing with other lenders. I have reached out to Commenity and they state that they will update my account in 1 to 2 billing cycles, but it still has not happened. It has been almost 6 months and I don't know how to get them to comply.
Product: Bank account or service

I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.