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

Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost my business that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop XXXX points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But XXXX points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop XXXX points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.
Product: Mortgage

We started to refinance our house ( s ) in Hawaii with Freedom Mortgage through a private broker in XXXX of XXXX. We finally signed on XXXX/XXXX/XXXX and Freedom Mortgage has still not paid off our loan or our other bundled pay offs with no communication as to why it was not paid. This has not only cost us money because some payments have now been double paid to not be late but extreme grief and hardship on my husband and myself. This process was to lower our payments and help us to make one monthly payment that was lower that the others. This company should be held accountable for their actions and the hardship they have caused to my family. We have an excellent credit rating, and have NEVER missed any payments to anyone.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$520.00} XX/XX/XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX  {$380.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I am down to the last 4 payments with XXXX, dba Lending Club Corporation, dba XXXX XXXX XXXX XXXX   XXXX, dba XXXX XXXX XXXX XXXX XXXX. 
When I switched from an ACH debit from my XXXX account to a PAPER CHECK from my XXXX checking account. 
XXXX Bill pay has sent 4 payments to Lending Club Corporation, all have been returned as UNDELIVERABLE. 
1st sent XX/XX/XXXX, for {$440.00} XXXX emailed me via my account " we mailed the check for the payment listed below, but it came back to us as undeliverable, we have placed a stop payment on the check. Please contact payee and update the address before resending. 
I contacted Lending Club and I was told, " Your bank has to send a paper check. '' Which XXXX had indeed done. 
2nd payment sent on XX/XX/XXXX in the amount of {$430.00} to the Lending Club Corporation. 
XXXX advised me on XX/XX/XXXX that payment to The Lending Club Corporation, " We mailed a check for payment listed below [ Payment to Lending Club Corporation from account XXXX for {$430.00} ] But it came back as undeliverable. We have placed a stop payment on the check. 
Please contact the payee before sending another payment. 
3rd Payment to Lending Club Corporation Sent XX/XX/XXXX The whereabouts if the check sent from XXXX are unknown at this time. My account at XXXX shows the check was cut on this date and mailed, HOWEVER On XX/XX/XXXX I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX The balance of the loan is in fact, {$1700.00} I researched the Office of Comptroller of Currency, U.S. Dept if Treasury and found that neither Lending Club Corporation, nor Consumer Lending Receivables XXXX XXXX XXXX exist in their data base. 

I verified the address to the Lending Club as follows with a very rude man XXXX prior to making my payments via check : Lending Club Corporation Dept XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My Account number is : XXXX As a result of their phony address all the payments that have been made have been returned, less the one still outstanding made on XX/XX/XXXX. The whereabouts of this payment have not been returned to me neither has it posted to my account at the Lending Club Corporation to date.

The Lending Club Corporation Sent my account to collection only 39 days after the due date of my payment due on XX/XX/XXXX. The payment made XX/XX/XXXX was made on time, albeit returned by the Lending Club Corporation marked UNDELIVERABLE.

Now my account is in collection. The Lending Club Corporation does not answer their phone, XXXX is no longer linked to this Corporation, they are not registered with The Office of Comptroller of Currency???
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX BELLWOOD, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX FN XXXX Balance Owed : {$1800.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried entering this complaint a few times and they dont address what im complaining about XXXX  is not a good inquiry and 2 out of 4 inquirys from XXXX are fraudlent and equifax doesnt understand that i want them to delete XXXX from my report and 2 of 4 XXXX also
Product: Credit reporting or other personal consumer reports

XXXX shows an account rating of derogatory on my credit report from Transunion while the others show as paid. This is affecting my credit.
Product: Mortgage

I have a XXXX  with a variable rate. According to my loan terms, the prime rate plus a margin will be applied to the balance based on the prime rate published in the XXXX XXXX XXXX on the first day of the billing cycle. PNC failed to apply a lower prime rate ( effective XX/XX/year> ) to the XX/XX/year> billing cycle.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due inadequate customer service and unfair practices which violated the Consumer Financial Protection Act ( CFPB ). 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, that dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements under the Electronic Funds 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

i have called XXXX XXXX XXXX and advised them this cable account doesnt belong to me. I have been a victim of identity theft for a while but they refuse to remove this account from my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account on my credit report remove immediately.
Product: Checking or savings account

Bank of America shutdown both my checking/saving accounts without my knowledge. On XX/XX/XXXX, I noticed that I couldnt access my online banking, or use the ATM, so I contacted BOA and the representative told me that my account was shutdown and they do not care about me. I asked about my money, the representative told me to shut my mouth and a check will be sent out to me whenever. As of XX/XX/XXXX, nobody contacted me and no resolution was provided.
Product: Credit card

There is a class action lawsuit against synchrony bank for the amount of interest they are charging. I have been paying on my credit card for XXXX years and i still owe the same amount on the credit card. I would like to be added to the class action law suit. Their interest rates are over the allowed amount and they are violating usury laws
Product: Money transfer, virtual currency, or money service

Cash app suddenly closed my account for no reason or fault of my own.I contacted cash app my account never even got a chance to verify it because I opened the account on XXXXXXXX  it was opened maybe 1 hour a friend sent me {$20.00} I linked one debit card to the app as soon as I accepted the {$20.00} from my friend they closed my account. I have contacted them dozens of times on that support chat which is a robot keeps giving the same answer over and over cant talk to a live person been going on for 3 months now XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX innocent bystander XXXX XXXX  by vehicle lost control and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im unable to work they know this I have told them over and over I know its not a lot of money but when you have nothing its something they keep saying they escalated my case to the proper team and it will be next in line told me this 30 times whenever I was XXXX XXXX my wallet got thrown out of my back pocket and into the wreckage and someone apparently found it and have all my information my drivers license my social security card my bank cards everything about me was In that wallet and someone has opened numerous accounts in my name its a total nightmare and I explained this to cash app as well but they taking their sweet time not worried about a XXXX mans well being of weather have food or not I need this taken care of immediately plz and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXXXXXX XXXX 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance. 

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.
Product: Checking or savings account

I deposit a check from a payment from a customer on my account on usbank. Once the check was clear I use the balance to buy materials for the project Im working for the guy whos giving me the check. 15-20 days later the guy put a stop payment on the check and the bank charge me for the balance of the check. Im talking with the bank to see whats the problem why they charge the amount of the check and they dont explain me clear. 1 month later they close the account with a negative balance and not Im not able to open a new bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account with Transunion and XXXX  reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing
within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX XXXX balance on card is not updated,? below 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX at XXXX has been paid in FULL! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at ALL 3 reporting agencies XXXX XXXX Equifax XXXX
Product: Debt collection

I have been wrongfully sued for rental debt that was not owed to every rental property on my reports, as well as debts from banks, car dealerships credits cards, housing bills, consumer background checks everything i have been seeing as debts owed is wrongfully on my report. 
15 U.S.C S 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. the FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information. 
my information was exposed in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.
Product: Debt collection

First Reliance called my mother-in-laws house and left a message saying to reference docket number XXXX in regards to a debt that I owed. The message went on to say that this was being " filed '' in court and they haven't been able to find me at my place of business so I needed to call. I know this is a scam because I have no written proof from this company that it is indeed a true debt. I call and ask for the address of the company. The man immediately got hostile and raised his voice at me asking me why I needed the address. I then went on to tell him that I was reporting him to the cfpb for false debt collection practices. He started screaming at me and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Equifax more than 60 days ago and have not received an update. 
1.XXXXl XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I confirm that the following entries in my credit report were not authorized by me and are fraudulent. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But Transunion, XXXX and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden
Product: Debt collection

Basically, I have received yet a third " Pre-legal Notification '' from Midland Credit Management a couple of days ago. They have received multiple cease and desist orders in both oral and writing format from me. I had also told them that I do not owe this debt and have never heard of XXXX XXXX XXXX XXXX  until I did some research with the CFPB. This is the third time I have contacted the CFPB about this company and it is my confirmed allegation they are committing fraud and from what I have read and researched after my first complaint against them in XXXX of last year, after I received my first pre-legal notification from them, I found they had a class action lawsuit filed against them for trying to collect old and false debts. I had also told them that I am in a financial hardship due to a death in the family and later the pandemic. I would like to put a stop to this finally and get this debt which is not even my debt removed from my record and get them to finally leave me alone. I also notice that the division manager who is in charge of sending me these letters is a XXXX XXXX. I would like this case to go to my state 's attorney general and to the Department of Justice. I want to press charges.
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 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: Checking or savings account

Through my bank, Bank of America, I disputed a charge on XX/XX/year> for a vehicle purchase that was sold to me illegally on XX/XX/year>. I informed the bank reps that I did authorize the charge, but that the vehicle ( product ) was faulty and the company did not own the vehicle and they were guilty of selling a car with a license and title jumping, both of which are illegal in TN. The car was also faulty and the dealership falsified mileage and lied about condition. My initial dispute was denied due to me authorizing the charge.I contacted Bank of America on XX/XX/year> to get clarity on why the claim was denied. I informed them that I authorized the charge but the issue was the sale was fraudulent/illegal. I included my police report and complaints filed with the DMV and FTC. They responded on XX/XX/year> that the claim was again denied, again stating that due to me authorizing the charge and completely disregarding the issue with the sale and product issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I hereby declare that I have never applied for nor had any association with the account with the number XXXX with XXXX XXXX XXXX which was opened on XX/XX/2019. This account is fraudulent and its existence is adversely affecting my creditworthiness, I was fraudulently added to this account, I have not given my consent to be included on this account, my data was used illegally. I request that fraudulent account to be removed from my credit report. The Bureau is not taking my request seriously. Please contact them and request to have this account investigated. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so XXXX  and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.