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

Hello, recently I saw late payments on my credit report from XXXX XXXX XXXX XXXX XXXXXXXX and XXXX that I do not recognize. I also been studying laws that protect me as a consumer and according to the FCRA, transactions such as payments are not supposed to reflect on a consumer credit report anyway. So I have the right to dispute this info and have it updated as soon as possible. I know that this is just a billing error and I just would like for it be corrected and updated to paid as agreed.
Product: Payday loan, title loan, or personal loan

Our XXXX pontoon boat loan was sold to Santander Consumer Services. We paid the boat off on XX/XX/XXXX. Got the pay off paperwork and a letter telling us they lost our title and we need to go absorb the cost of the replacement. When I called them they have told us for 2 months now they will get the title and they have yet to apply for our title with the state to begin with. So the papers the present to us would do us no good as they never applied for the title. They also told us it was the state that just didn't send them the title when they then admit they never applied for it. We need the title for our records if we ever decide to sale the vessel.
Product: Credit reporting, credit repair services, 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 15 USC 1681. Account name : XXXX. XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Delete this accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I opened an account with Venmo just to receive a pay advance from my boss due to a snowstorm planning to hit our area. He sent the money through Venmo. It wouldn't allow me to cash it out on an approved card so I attempted it a few more times unknowingly that was the problem and it froze my account. Now I am in that same vulnerable situation of no money just because I utilized Venmo. I replied to the automated email but it takes them XXXX days to look at your account and for it to be worked on. My money is now XXXX with them with no explanation and me and my family are now looking at being exposed to the elements because that money was the money to assist us. I hope I am still alive after posting this, thank you.
Product: Checking or savings account

On XX/XX/2023 I deposited a check into a new account for XXXX and they put a hold on the check until XX/XX/2023 m, due to circumstances they were unable to make an outbound call the the entity that cashed the check, they refused to take any other form of verification and restricted my account cause me to be late on my bills and run the risk of my car being repossession and putting my living hood at risk as I might lose my job if I dont have a car or any access to my funds. The check 100 % will clear and not be returned but yet they still want to restrict my account and refuse to give me my money.
Product: Mortgage

I currently having issues with my mortgage company, LoanCare and HAF ( Homeowners Assistance Funds ) payments. I was sent confirmation on XX/XX/2022 that I was approved and payments of {$640.00} for the next 18 months would be sent directly to my mortgage service provider but as of today, XX/XX/2022 my mortgage loan is still currently late/past due, {$1200.00} and no payments have been made/accepted. Furthermore, due to this issue my credit score is being negatively affected.
Product: Debt collection

Stated debt was opened on XX/XX/1991. I was XXXX and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.
Product: Student loan

Navient would not let me have a lower monthly payment or work with me at all when I had my son and I was unable to work. They kept calling me asking for {$50.00} for a forbearance and told me that was the only thing I could do if I could n't afford the high payments. I recently got a littler frommthem stating my account was under litigation review. When my mom called them they told her that the situation would go away if she just paid {$50.00} on each loan to put the loans on forbarence.
Product: Credit card or prepaid card

Both me and my wife were laid off do to the Coronavirus outbreak and I called Citibank for days and waited on hold for hours to get a customer representative on the phone. Finally today after a wait of 1hr and 35 minutes on hold a customer representative answered the call. I explained our current situation to her and asked to have the credit card payment that is due on XX/XX/XXXX to be deferred, her answer was We dont have any type of guidelines in place right now to help you with a payment deferral, call back on your due date and see if have one then. Is just mind blowing that Citibank is not willing to help their customers in this time of great need. All the other major banks in the US and around the world have stepped up and are helping their customers but obviously not Citibank.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Alliant Credit Union are invalidly reporting account balance and status my balance with Alliant Credit Union is not XXXX the account is not closed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Experian ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Experian ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Experian ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

In a attempted XXXX by Hyundai finance at XXXX I was XXXX XXXX XXXX XXXX & my XXXX XXXX. I was communicating by email with Hyundai finance since XX/XX/XXXX & then by phone offering a XXXX. They immediately denied the offer. 
I then asked for a detail summary of the account of what I have paid, late fees applied, & charges for paying by phone & charges for insufficient funds. They sent me amt. XXXX, rate ( XXXX ), term, monthly payment, first payment due date & total of payments. Also on my credit report the amt owed is different from my contract total. 
The amt. Financed is {$15.00}, XXXX percent XXXX  month term monthly payment {$310.00} first payment due date is XXXX XXXX of XXXX total of payments is {$19.00}, XXXX the the balance owed is {$4.00}, XXXX, but the amt. Charged off is different. I'm claiming {$2000.00} for injury to XXXX XXXX XXXX XXXX XXXX XXXX & dXXXX XXXX XXXX XXXX XXXX XXXX XXXX Since this has. Gone on so long i.have lowered my settlements offer to {$1000.00}. Payable now. They refused my offer my car is still up for XXXX & want {$2500.00}. Now & XXXX days {$2000.00} more but the possibility of my car being XXXX.
Product: Checking or savings account

I depositeda cashier 's check XXXX/XXXX/XXXX, at my account in Key Bank ; checked bank XXXX/XXXX/XXXX and teller said funds would be available in morning, XXXX/XXXX/XXXX. I received cashier 's check per XXXX XXXX mail received - letter is attached. I transferred 2 money grams to address assigned, after checking account for availability of funds. Each was {$930.00} and each cost was {$11.00} per transaction. I work 2 jobs and also received pay from 1job on Friday XXXX/XXXX/XXXX. I periodically checked account through the weekend and had over {$300.00} in my account. I checked account Monday XXXX/XXXX/XXXX and was over {$1900.00} negative. I called customer service at Key Bank at XXXX PM and was told it was just a hold on the check. I asked if I should put a hold on my account so no other funds would be withdrawn, but was assured by rep that balance would be over {$300.00} in morning. I called customer service today, Tuesday morning at XXXX and was told same, by XXXX it would fall off and balance would be positive. I checked at XXXX : and still negative. I called customer service and was told it was not valid, no funds available and to try reaching out to XXXX XXXX. I assured him that I had been trying. I went to the Key bank in XXXX and was given the # for fraud. I went home and called the fraud department and asked about reimbursement and how I could have carried out transaction if funds not available. I was told that they did not have anything to help but filed dispute. I do not want to see anyone else go through this but also feel the bank has to be responsible for misrepresentation. I am terrified as my direct deposits from work will continue to go toward a negative account that just continues to go in the negative. I ca n't pay bills, buy food or anything and I am really terrified.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I owe a debt to Bank of America and they are harrassing my mother with phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding Equifax 's investigation about late payments on my report. They mailed the result of the investigation on XXXX saying those late payments were verified. I demand to see a full disclosure, audit and paper trail of this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting agency. My first issue is I answered all the security questions to retrieve my report online and was unable to do so. I received a message they can not allow me to view my report at this time. I have an account reporting on my credit report that should be deleted. " XXXX XXXX XXXX ''. I spoke with corporate office in regards to this issue and was told months ago that it was agreed upon it will be deleted off my report. To date it is still reporting on XXXX which is causing me a major problem in obtaining substantial credit as it is affecting my credit score. I have been dealing with this for months now and it still has not been deleted. You are suppose to have 24 hour access to your report online however as I mentioned earlier XXXX will not allow me to view my report. I have contacted legal advise in regards to this issue in suing XXXX because they are not doing a proper investigation. If they did do a proper investigation the response they would receive would to be delete this account off my report. It was deleted off my other credit report. I am very fustrated with XXXX as they do not understand that this is my credit worthiness and it is causing a hardship.
Product: Debt collection

previously disputed XXXX BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XX/XX/XXXX while XXXX XXXX report XX/XX/XXXX and XXXX reports XX/XX/XXXX. There is no way that account can be reported as open with XXXX bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.
Product: Debt collection

XXXX XXXX XXXX does not have a surety bond to collect in state of XXXX. They are calling and harassing me in regards to a Debt that is fraudulent and I do not have any knowledge of. I have filed complaints via email with the CEO XXXX XXXX of Experian. I submitted my fraud affidavit as well in the email, but I have yet to receive a response. I also filed complaints with the attorney 's general office of XXXX and XXXX. I have also filed complaints with the XXXX financial regulatory in regards to this matter. Experian and XXXX XXXX XXXX is in violation of the FDCPA laws and also section 605b. I have hired a consumer attorney and I have kept records of all of the my complaints that have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX DOCTOR XXXX {$350.00}
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2018 the representative, XXXX, contacted me after being informed to not contact me and that I would contact her when I had the funds. At XXXX XXXX CST XXXX violated a FDCPA law by providing information about my account over the phone without verifying my account nor insuring she was speaking to the correct account holder.
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had XXXX days according to LAW to remove such items. 

TRANSUNION has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as Representatives of the several Underwriters c/o XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity Fund XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.
Product: Credit reporting

My credit report list XXXX of my employment is the XXXX.i have never worked for the XXXX.my ex husband worked for the XXXX.
Product: Credit reporting or other personal consumer reports

Since XXXX of 2023, I've been trying to solve issues pertaining to unauthorized inquiries on my credit profile with Equifax. I've have yet to receive an equitable solution
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Checking or savings account

On XXXX I reported there was fraudulent charges on my account because my phone and purse was stolen. The total was {$800.00}. I provided documentation and emails from the merchant stating they are waiting to hear from them. This merchant also hacked my XXXX XXXX money account but XXXX XXXX  already found in my favor and gave me my money back which was almost XXXX XXXX I reached out and asked for this claim to be reopen so I am now waiting. Its been almost XXXX weeks already from the original complaint.