23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am behind on my mortgage, but I am still making a payment and have managed to stay mostly 1 payment behind. I have been receiving letters and statements that are inconsistent, so not reflect my payments, contradictory and most recently threatening to initiate foreclosure proceedings on X/XX/17 for an amount which is unclear to me. For example, my XX/XX/XXXX statement shows no payments made, but I received several 4 letters dated X/X/17 saying that a payment of {$950.00} was received, 1 letter dated X/X/17 saying a payment of {$980.00} received & a letter also X/X/17 saying that a payment of {$960.00} was received. These payments are not reflected in a suspense account or any statement I received. I received a package dated X/X/17 for assistance saying I am 31 days late, contradicting the payment letters & statements. I then received a letter dated X/XX/17 saying I was in default & needed to pat {$2000.00} by X/XX/17 or foreclosure proceedings will begin. It is unclear to me what amount I owe, why payments have n't posted on my statements & why my past due days are inconsistent. I have also been charged legal & property inspection fees that do not seem justified.
Product: Credit reporting or other personal consumer reports

Fraudulent, inaccurate information consists of credit cards, best buy /CBNA acct # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported by XXXX , XXXX and XXXX  . I do not recognize the aforementioned accounts or collection accounts. These accounts that are being reported by XXXX, XXXX and XXXX were not made, initiated or opened by me, these aforementioned accounts are a result of identity theft and fraud.
Product: Credit card

Hi, Discover is engaging in false advertisement and tricky practices, taking customer for a ride by using the XXXX XXXX XXXX % cash back promotion. They say that they will give 10 % cash back on purchases made by XXXX pay. Seeing this consumers like me go to the stores which accept apply pay. At the checkout the XXXX does not work as the card is getting declined. The merchant shows that similar apple pay transactions work fine with other credit card companies. This problem is only because of discover. Already since I have waited so long in line I go ahead with the purchase and pay using manual swipe of the card. Also at the same time I call discover customer service and they confirm that problem is with them. Also they agree that they will compensate the customer for the lost cash back bonus. On subsequent follow up they do not agree to credit the bonus as per the promotion and only apply 1 time courtesy bonus of XXXX % which is way less the XXXX % promotional bonus. This is completely unethical and cheating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TRANSUNION AND XXXX 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. '' XXXX is a financial institution 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.. '' XXXX the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, XXXX 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. '' XXXX 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. TRANSUNION AND XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practical, which violate the customer 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.Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this
Product: Credit reporting or other personal consumer reports

This is my first attempt of contacting you in regards to the account XXXX XXXX XXXX XXXX XXXX listed on my consumer report. This account has me listed as an authorized user and I did not authorize this transaction with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. XXXX 2. XXXX XXXX of XXXX XXXX 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Having received a {$27.00} charge from TU *TRANSUNION that I did not recognize, I called my bank and initiated a dispute, and found out that I actually was charged twice ( {$54.00} ). The credit card was cancelled and the dispute initiated. I only have a free account with Transunion that I use to freeze and un-freeze my credit to add security. However it looks like the credit bureau found a way to charge for unsolicited services, which is clearly a scam. 
I called Transunion to investigate and was told that I enrolled in a credit monitoring service. I told the person on the phone that I did not request nor enroll in any service, however he person did not listen and insisted requested the service, which I did not. 
I believe Transunion is scamming customers. 
Can you please help me by sharing what you can do from your help me and other consumers to prevent this kind of fraudulent practices? 
Thanks in advance. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase bank allowed someone to open an account in my name. I tried numerous times to rectify this matter to no avail. Every time I am connected to the fraud department they connect me across seas to people where there is a distinct language barrier that are asking me enough information to steal my entire identity. After numerous times advising them I live in XXXX  XXXX and there is not even a chase bank here I have to reach out to you guys for assistance. This ping came to my credit report where I have since put a lock on my social security number to prevent any further activity. The reason chase bank is allowed to be frauded so easily is because of how difficult they make it for the one being frauded to stop the fraudulent activity before it is escalated. Their fraud department is located across seas and not domestic. We are forced to stop fraud under our name by given out all of our information. Information that is not required to open an account to their bank. Such as social mothers maiden name addresses etc. I need this account closed because it is not mines and I need this inquiry removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. 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 XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Product: Credit reporting

I have written to Experian now many times about the inquiries listed on my credit report that have no permissible purpose and I have asked them to remove them and they refuse. Instead they want to keep putting security alerts or opt-outs on my report. This is NOT what I am asking them to do. This complaint is not claiming ID theft or asking Experian to put a security freeze or fraud alert on my report. This complaint is to ask Experian to supply me with the permissible purpose for each inquiry that is circled in black or remove them from my credit report. 1. I did not reach out to these creditors nor do I remember having any need to apply for credit. 2. I was never extended credit by any of the listed and circled creditors. 3. Experian is guilty of sharing my information with them that should be only seen by me and they are incorrectly reporting them as a hard inquiry. Either way these companies did not have any permissible purpose in pulling my credit, many of them are duplicates why would I apply to them multiple times if I was not given a line of credit, does not make sense. So Experian is to REMOVE EACH OF THE INQUIRIES THAT ARE CIRCLED AND YOU ARE NOT TO PUT ANY KIND OF FREEZES OR ALERTS ON MY ACCOUNT INDICATING FRAUD THAT IS NOT THE PURPOSE OF THIS COMPLAINT. YOU ARE SIMPLY NOT DOING YOUR JOB BUT YET REPORTING INACCURATE INFORMATION AGAINST ME AND IT MAKES IT LOOK LIKE I HAVE BEEN APPLYING FOR CREDIT ALL OVER THE CASE AND THAT IS NOT THE CASE. REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME A NEW CREDIT REPORT SHOWING THESE HAVE BEEN DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Navy Federal charged off this account and continued reporting the account. After contacting Navy Federal about paying off this debt, over the phone they agreed to a settlement amount of {$2600.00}. They updated the account as closed on my credit report with a date of XXXX 3 years after the account closed. They also never followed up and sent out the corresponding information for me to pay off the account. It's been over 6 years and Navy Federal has not tried to solve this issue with me but continues to report this old car loan as new. The statute of limitations of debt in South Carolina is 6 years. This debt should be removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 Inquires on my credit that is not approved by me It is affecting my credit. I was a person that was a victim of the inquiry issue with TransUnion. These were misreported inquires. I called in a few times and spoke to Customer services but I was more like I was Irritating and just a waste of their time. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Delaware XX/XX/XXXX XXXX Mortgage XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took a loan with one main financial a couple years ago and 1 condition of getting the loan was being required to purchase an insurance policy to pay the loan in the event of loosing income. In XX/XX/2020 I was affected by covid and lost my income of over XXXX dollars a year. I imidiantly went to one main and filed a claim which was rejected three times before being excepted. ( I HAD TO.KEEP MAKING PAYMENTS DURING THIS PROCESS ) They paid three months only and quickly began billing me again I paid every month even without having a job. Now I am back at work making XXXX a year and still having difficulty making my bills. I have a payment due for XXXX and have been receiving 5+ calls a day numerous texts. Emails and voicemails regarding this payment which should not be based on my original contract. Terms did not state monthly recertification or limited payment but clearly stated loan payoff if loss of income. At this point I am iritated to say the least as I was forced to purchase this insurance and it is not being used.
Product: Credit reporting or other personal consumer reports

OK, it looks like somewhere in 2022. 
There was a Capital One and a credit credit cards open in my name after I open app a bank account with XXXX. Some funds and stuff were drawn out of my account. Address the situation with XXXX. But I've never had any credit card ever. I mean, I'm in a credit card. I wouldn't think I'd awake to before. I made it to the age XXXX. To get a line of credit, I think I was going fine without a credit card but that's Around the time all of them suffered data breaches starting from XXXX  XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2021 I applied for a debt consolidation loan with Payoff.com. They initially offered me a rate of 6.65 % for 36 months on a {$40000.00} loan which is their lowest rate for this term and amount. This loan was meant to pay off some existing obligations - thus the debt consolidation. I have an 800+ credit score, and an income in the top 5 % nationally ; furthermore, I have an impeccable record of paying my obligations on time. Per their requests, I submitted W2, Paystubs, and other related documents ; however, they declined my loan request, on the basis that I had a hard inquiry on my credit report. This inquiry was associated with me shopping around with my current lender to see how they compared to Payoff.com 's offer. 

I believe that they are redlining me and effectively denying me credit that would otherwise be available, because I chose to exercise my right to shop around with their competitors. I believe that their actions are in violation of Fair Credit Reporting Act, and beyond the scope of Truth In Lending Act, by not disclosing that such inquiry could have adverse impact. Their actions are anti-competitive and hypocritical to their stated mission. 

I contact them via email and phone on XX/XX/2021 with regards to this situation and their supervisors and team leads only read me jargonesque filled responses and did not try to help nor did they provide a positive adjudication even though the facts would warrant otherwise. 

What these people are doing is illegal and should be investigated. I kindly request that an investigation be initiated. I am sure there are thousands of other impacted consumers nationally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.
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.

XXXX Account s labled as Inquiry of i dont not hold CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

I contacted Transunion, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted 609 letter asking for this information to be validated and a letter sent out.