23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This company takes payments via debit card and then illegally holds that money for several weeks claiming they need to 'verify ' funds even though they have had those funds for weeks. They place additional random and wholly illegal holds on the card preventing the cards use This bank is shady at best. Their customer service personnel are not from the U.S. and are of no help, constantly citing bank 'policy ' as the reason for the illegal practices.
Product: Mortgage

Name change : XXXX XXXX, no longer XXXX I contacted my mortgage servicer after being told that I owed for a XXXX mortgage payment. I told them that one of my partial payments was not showing up on their website. Afterwards, I was sent a listing of partial payments that had been made to my mortgage and realized that some of my payments were applied to the principle and not the mortgage.Gregory funding, my services, was also charging me late fees. I informed them that I did not owe and found on their listing that payments dated XX/XX/XXXX and XX/XX/XXXX for {$170.00}, payment dated XX/XX/XXXX for {$170.00} plus XXXX late charges totaling {$75.00} had been misappropriated and applied NOT to the mortgage but to the principle. I asked them to review my payments and apply them where they need to be. I was told that I need to make a full payment of {$370.00} before XX/XX/XXXX or late fees will be applied. I do not owe a XXXX payment and I find it difficult to understand how XXXX of more than XXXX  years of monthly partial payment were misappropriated. Please help me correct this. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I didn't give any permission regarding on the inquiries attach on my credit report please remove them immediately as I don't have any permission on those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Several representatives spending multiple hours and time trying to get Equifax to accurately report and release my credit history. Equifax has continued to misrepresent me in will not accurately update my account. I have sent in the information that I have confirmation for. Every time I speak with a representative I am told something different. I have been working with Equifax since XXXX to correct this issue and I have asked to speak with Managers or higher up but for whatever reason Equifax 's no longer has a manager to assist the CSR. I was told by the CSR that I needed to speak with him or get nothing. He refused to cancel the online profile to protect my credit as I don't want it because it is not reporting accurate information. Equifax continues to send out letters stating that I am not creditworthy I have no credit score and no credit history, when in fact this is NOT true. However when I log in to myequifax.com its shows am credit score and good credit history, yet the report the total opposite to potential creditors which in turn I'm denied credit. They have admitted that my credit file is has something going on with it I have been told its been corrected but as of today it is not correct and the workers representing Equifax refuse to fix this therefore Equifax is actively and knowing defaming my character by NOT reporting my TRUE and REAL credit history.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for XXXX XXXX, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I had signed on to pay by loan for a company named XXXX XXXX with XXXX XXXX. I received the loan double the amount due to my race. The loan with XXXX XXXX through ZuntaFi was for a 90-day trial based on my satisfaction with the training. I explained to them have never received any training from XXXX XXXX. Still, I had paid ZuntaFi since XX/XX/XXXX. When I filed a complaint against XXXX with the FTC after speaking with their representative, XXXX XXXX, XXXX, who said she would try to assist me in getting a refund. She asked me to XXXX XXXX and spoke with XXXX at XXXX, whose number was shortly disconnected. I spoke with XXXX XXXX again, and she asked me to speak with XXXX XXXX at XXXX, XXXX 's main number. I received a text asking if I needed assistance, but no one ever contacted me when I told them that I wanted a refund because I had never received any training. 

Today, I called ZuntaFi XXXX, returning a call from XXXX from XX/XX/2023, at XXXX pm, who was busy, so I spoke with XXXX, who told me that I had already spoken with him, which was not valid. My loan had been transferred to another lender : XXXX XXXX XXXX, XXXX. She gave me their phone number, XXXX, to contact them, telling me they were my service provider. She stated that an email was sent to me on XX/XX/XXXX XXXX XXXX  to notify me of the change and that XXXX had spoken with me regarding the change, which he did not. 

Coninsendially, I noticed that my loan with ZuntaFi was double the amount requested. I am not sure if it was because of race, but I have no other things to measure it by since my credit is good. Therefore, I would like ZuntaFi to honor the agreement with XXXX to refund my money which has previously done by XXXX XXXX XXXX. I was only contacted via text today by XXXX XXXX XXXX  giving a phone number of XXXX with account # XXXX at XXXX am. It states welcome to XXXX on the text from phone number XXXX. 

I am an XXXX XXXX senior, and I feel as if I have been royally royal jellied and that there are no solutions to this mess. I filed a complaint against XXXX XXXX, adding XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, XXXX and XXXX are reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment notice posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION, XXXX and XXXX violating my federally protected consumer rights. To add to this I did not give TRANSUNION, XXXX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION, XXXX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

Convergent never contacted me about any debt that was due. They filed negative reports with XXXX, XXXX  and XXXX which negatively impacted my credit. I dispute the posting with XXXX, XXXX and XXXX. All three deleted the fraudulent posting. However, as soon as the three credit agencies resolved this, Convergent sent a demand letter claiming an amount owed to " XXXX ''. I have reached out to XXXX and they confirm that no amount is due and no amount has been due. The action that Convergent is taking is fraudulent and I fear will impact my credit. Kindly take the appropriate action against Convergent. This complaint is in reference to convergent account XXXX. 
Thank you. 
XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Transunion XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove false negative information on my credit report. XXXX and XXXX have both removed this false information. Experian for some reason refuses to investigate and has not provided me with any proof with my signature as to how the accounts were verified and not removed.
Product: Credit card

I went online to make a XXXX payment a on my Chase credit card and accidentally used a XXXX account that was not my bank account ( my name isnt on this account ) to make the payment. That day when I discovered my mistake I immediately called Chase and had them cancel the payment from the XXXX account. They cancelled the payment and also reversed the payment so they ended up depositing an additional XXXX to that XXXX account that was not my bank account. When they discovered their mistake they charged my credit card account for the XXXX they mistakenly deposited into the XXXX bank account. I have NO access to this bank account and have NO way of recovering the XXXX that THEY deposited into someone elses bank account. They are charging me for their mistake and after speaking with the floor manager at Chase ( XXXX ) he informed me that they would not take the XXXX that they added to my credit card balance to make up for the money they put into someone elses bank acocunt off of my account.
Product: Debt collection

SPRING OAKS CAPITAL LLC is reporting and trying to collect on an insurance claim that has been settled. My XXXX XXXX XXXX XXXX  was totaled. The insurance and XXXX XXXX paid the claim. SPRING OAKS CAPITAL LLC is trying to collect on a debt that's already settled and continues to reappear. Has not provided detail list of payments on this account. provided orignal signature on orighinal contract. Has not informed or provided me on any insurance claim found on this debt. We have not seen any chain of title collected on this debt. No 1099C present.
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: Mortgage

Trying to get late payment report from XXXX and XX/XX/2021 to be removed from Planet Home Lending. From XXXX until XXXX our family came down with XXXX. My husband and I was hit very hard with XXXX and was in the XXXX room. When we were feeling better we called to make a payment on the mortgage and the first time we called to make the payment, they took it over the phone and the payment was never processed. So a couple of weeks later we called back again and took another payment and actually processed the payment. We were not aware at that point that they offered help with COVID issues cause we were never told and also our mortgage was being sold to another company. Another week went by and the payment was still not processed. We were told that they no longer had our mortgage that it was transferred to XXXX. When it finally got to XXXX in XX/XX/2021, we had to make 3 months payments. We are trying to refinance our home but it is showing late payments. We tried to explain this all to them and they said that there is nothing that they can do cause the payment were late. We told them what had happened and sill nothing. They are saying that they tried reaching out to us but never got an answer but dont show us calling in. It is not our fault that they wouldnt process our payments. We tried and it never went through. We cant refinance as long as they are showing, we need you help. When the loan was transferred to the new mortgage company they had no issues with processing our payments and never issued a late payment
Product: Debt collection

At XXXX, XXXX PST on XX/XX/21 a received a call from XXXX at work from a very aggressive man using aggressive language threatening to contact my family about a debt which I am positive I do not owe. I asked him not to contact me at work ever again as we can be fired for taking personal phone calls. He was XXXX with a thick XXXX accent. and told me his name is XXXX XXXX ( which we all know is not accurate ), He said he was calling for Mid-land return phone number XXXX. They added an astronomical fee to the base debt which is also predatory like. I hung up and told him to never call me at work or phone ever again. 
This company repeatedly has called my cell phone from XXXX to XXXX daily multiple times from various phone numbers. They have contacted my husband, co-workers, relatives Whom are all willing to testify. 
It was scary and unprofessional Mid-Land should not be allowed to get away with threatening people and contacting them at their place of employment. 
Something must be done to protect ourselves from ppl like this.
Product: Vehicle loan or lease

I mistakenly submitted and extra {$1000.00} in paying off my loan. That check along with my payoff check of {$3100.00} ( a {$3.00} over payment ) cleared my account on XX/XX/2018. I phoned XXXX XXXX XXXX at XXXX and spoke with a woman named XXXX. She acknowledged the payments/payoff and notified me that my over payment would be sent out after 45 days. After telling her this was not acceptable I asked to speak with a supervisor. I was transferred to XXXX XXXX, she told me that I would be paid in 21 business days, again not reasonable! I offered to send her copies of my cancelled checks and allow them to verify that the checks had cleared, she declined. I feel that XXXX XXXX XXXX is committing an unfair and deceptive act or practice, they do not outline any of their policies regarding this in their contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX. Cc : XXXX XXXX XXXX Cc : XXXX XXXX. Cc : XXXX XXXX XXXX XXXX. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent CALVARY PORT a certified letter asking them to Cease and Desist reporting this disputed alleged debt of {$620.00} to XXXX XXXX XXXX until they sent me all the information they had on file so that I, the consumer, a natural person, could attempt to validate this alleged debt per my legal rights and protections. CALVARY PORT ignored my request for information ( violation ), and continued reporting this derogatory and false information to the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}
Product: Checking or savings account

On XX/XX/XXXX, I initiated a wire transfer from my Capital One account to another one of my accounts. However, I have been informed that the funds have been held by Capital One, leading to the restriction of my account. 

I kindly request clarification on when my account will be resolved and the held funds will be released.
Product: Credit reporting or other personal consumer reports

Im responding to the case file regarding a fraud on my account and credit check. The accounts on my credit for XXXX XXXX  credit card XXXX, XXXX XXXX XXXX  credit card XXXX, and LVNV Funding XXXX are fraud. The fraud was filed with Credit Bureau with filling number XXXX. The fraudster logged into my credit account using my name, social security number, date of birth, and my account pin and applied for XXXX credit cards. 
The fraudsters name is reported as XXXX XXXX with email on filed when he applied for credit card as XXXX. The contact number he has on file with the Banks in which he applied for the credit cards is XXXX. The fraudster has a business Named XXXX XXXX  XXXX XXXX with address XXXX XXXX XXXX, XXXX, PA, XXXX. The Fraudsters email he has on my account corresponds with the email on his personal and business profile. I attached details of the fraudsters profile with this fraud filling case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature. 

Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ].

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I can not have this information in my report, it is negative information, I do not want it under my name anymore.
Product: Debt collection

ONLINE INFORMATION Services Account # XXXX needs to be deleted and removed immediately because it is fraudulent and someone used my name without my consent.