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

I have received a number of damaging reports regarding a debt for a credit card opened with Capital One. I was recently declined for a line of credit due to not enough open account and a late payment history. While searching through the details I have found that XXXX is listed this closed account as XXXX off XXXX times, late XXXX times in the last 60 days and written off. Here is a history of what has transpired. Account opened XX/XX/XXXX and closed due to non-payment on XX/XX/XXXX. In XXXX of XXXX a collections company by the name of XXXX XXXX XXXX XXXX contacted me via written correspondence and phone to collect the debt for the balance for the card ending XXXX. Eventually this debt was placed with the law firm XXXX XXXX who is now handling the account and has successfully filed a law suite in the event that I don't keep the payment arrangement. Starting XX/XX/XXXX I have made monthly payments of {$54.00} having recently paid for the month of XXXX. My credit report shows a negative history for all months from XX/XX/XXXX through today. Capital One is reporting the debit as a late payment as well. I found an note on the file with XXXX in the additional information section that the account is written off and deemed unable to collect. I have printed out this detail. As of today the written off note has been removed per my dispute, but, nothing else is shown correctly. I had a conversation with the collections department at XXXX XXXX on XX/XX/XXXX where it was advised that a dispute would be placed on my behalf to update the late payment status. The dispute is still in pending status. I would like the company to fairly and accurately report this account. It has not been charged off XXXX times and should not be reported as a late payment.
Product: Credit reporting or other personal consumer reports

My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX account number XXXX account number XXXX
Product: Debt collection

On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX   took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I get my unemployment on the XXXX. I was a victim of fraudulent charges 6 times within 2 weeks. It has been a nightmare dealing with cardholder services!! My card was deactivated for know reason. I submitted complaint & it was finally reactivated after 2 months of being treated like a criminal, not able to get to my money, waiting on hold for hours to talk to customer service/supervisor, then hung up on and nobody having answers as to what is going on with my disputes or how to find out. XX/XX/2020, I was robbed of {$400.00} fraudulently charged from a Cash app in California. I live in PA, and don't even have an acct with this business!! I have been waiting for my {$400.00} to be credited back to me. This inconvenience has put me so much more far behind on my bills. Besides the fact 1 week prior {$200.00} was fraudulently charged. My cable/internet has been shut off, my phone that I've had for 20+ yrs was shut off and had to get a new phone/number. I'm now in the process of being evicted and have court date in XXXX. I called XXXX and was told to call back end of XX/XX/2020 to check status of {$400.00} Cash app dispute. I never received anything in the mail and was told it was denied and case closed!! There was No investigation done and nothing sent to me! This is disturbing and disgraceful that this is ok!! I'm looking into contacting legal help to sue. I want to know what was done and why I wasn't contacted. I never heard of this cash app until this happened to me. I never had an acct with cash app and dont know anyone in California!! I need my money that was fraudulently taken from me and given back.
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 proce 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 XXXX financial loss, and I seek appropriate redress ( 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

In XXXX of XXXX, I received an email from my homeowners insurance company that my policy was in danger of being canceled for non payment. I contacted my mortgage company, Cross Country Mortgage LLC to inquire why it wasn't paid. Got the run around of excuses and they paid it promptly. Now, in the last XXXX  months, they have increased my mortgage payment over {$700.00}. From {$1500.00} to over {$2200.00} per month. They have not responded to my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Mortgage

My mortage was purchased by a XXXX XXXX finance company. They hired Select Portfolio Servicing to service the loan. 
I received excessive requests from SPS for information that they should already have from XXXX XXXX, whom they purchased the mortgage from. 
The problem originated with proof of flood insurance coverage. I have had a rider on my homeowners policy for 15 years providing coverage for flood damage. They could not understand that there was not a seperate policy. I made two phone calls to their automated system, fighting through it to speak with someone, and put them in contact via three way calling with my insurance company. Still I received a letter threatening to impose a third party flood insurance policy at my cost. Again I spent an hour on the phone, and was assured that the problem had been resolved, ignore the letter, you will get a letter indicating so, etc. etc. 
Then I get a letter claiming a lapse in coverage and a cost to me of {$21.00}. Again I make a call to their automated phone system, fight through it to get a human being, and by now I am furious, and am currently on hold for 24 minutes and counting.... 
Select Portfolio Servicing is not only incompetent, but they have pathetic customer service.
Product: Debt collection

There are XXXX public records that appear on my XXXX and XXXX credit reports that have already been paid. Payments were made through a garnishment of my wages and they are refusing to remove them.
Product: Credit reporting or other personal consumer reports

Please see NEW attached official proof that I have an on-going fraud/criminal investigation with the FBI XXXX XXXX released officially today of XX/XX/2024. Feel free to contact their office in order to validate it. Thank you.
Product: Credit reporting or other personal consumer reports

Inquiries 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- The accounts below have violated my rights. 
15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. 
P15 U.S. 1681g. ( 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 ) ( a ) 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 the accounts below : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off every credit card that I have except XXXX on my XXXX  card and equifax and XXXX  are steadly droppping my credit score instead of raising it. All payments were paid before due dates and I at one time had a credit score of XXXX and its dropped stedily since even with on time payments and paying off credit early. Called equifax and they have no way to check into why is what the girl on the phone told me this morning. Their ID verification doesn't work we tried twice it wouldn't go past the loading phase. So she can't send me my up to date credit report. They can drop your credit at any time at their own disgression and we the consumer have no recourse.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on Experian.com, there has been a fraudulent account on my credit file that has been opened without my authorization. I do not recognize the account. The account is as follows Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>. Account number : XXXX. Please remove this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, Experian, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.
Product: Credit card or prepaid card

Sent a check by mail with a copy of my statement on XX/XX/19. The check cleared on XX/XX/19. I contacted the company on XX/XX/19 and was told no payment received. Contacted the issuer of the check on XX/XX/19 and was advised that check had cleared on XX/XX/19 and they would email a copy of the cancelled check. I contacted the company on XX/XX/19 and was advised that still no payment received and that I would need to send proof of cancelled check. Was told that process would take 25-30 business days to resolve. Copy of cancelled check sent to fax number given.
Product: Credit reporting or other personal consumer reports

I have been trying to add a Consumer Statement to my credit file with Experian to safeguard my credit. The statement I want added is : " Before extending credit, please contact me to confirm my identity by calling the phone number I have on file with Experian. '' Despite repeated attempts, I have been unable to reach a live person to fulfill this simple request. Over the past XXXX days, I have called multiple Experian numbers, including : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Corporate Headquarters ) ( XXXX ) XXXX Each time, I was directed to automated systems that do not allow for customized requests, placed on indefinite hold with promotional messages, or instructed to use Experians website. However, the website lacks the option to add a Consumer Statement.

This process has taken over two hours of my time and remains unresolved. While I successfully completed this request with XXXX and XXXX, XXXX reliance on digital systems and their lack of human assistance have made it impossible to fulfill my request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX who is my Lender for Loan XXXX. 

XX/XX/XXXX late fee removal denied due to the fact that you posted your XX/XX/XXXX payment on line on XX/XX/XXXX but it was after business hours which posted on XX/XX/XXXX. We did audit their site portal and they do have a disclaimer on the hours for payments made online.
Product: Consumer Loan

i never applied for this loan but its showing up on my credit report and the credit bureaus are giving me the run around about this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 C-2 XXXX XXXX # XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

two student loans are reporting under equifax credit reporting agency, these are inaccurate and fraud, i never had these account, i ever went to school here, i dont know who opened these loans under my name, i have been disputing these inaccuracies with equifax for more than a year and it is causing me trouble, please have these inaccuracies removed, i have been complaining for the longest time. this is not fair, please help as a consumer i need your help thank you
Product: Credit reporting or other personal consumer reports

Definitions play a huge part in the law, It's our job to continue to bring cases and educate the judge and jury on the FCRA. 
Notice it says, in particular, the word credit was defined only as a permissible purpose to obtain a consumers report only when the collection is in connection with a credit transaction. Is child support a consumer credit transaction? Is my child attached to some kind of loan or credit Im not aware of? Unless you can provide me, these answers remove these items, or I will be forced to sue in federal court for the max penalty on all charges ... as followed bank fraud 1. Monopolization of trade and commerce 2. Identity theft 3. Embezzlement 4. Extortion 5. Coercion 6. Deprivation of rights under the color of law 7. False pretenses 8. Privacy violations 9. Forced peonage 10. XXXX 11. Willfully and intentionally violating the constitution 12. Treason 18 U.S. CODE SECTION 1341- Fraud and swindle 18 U.S. CODE SECTION 241- Conspiracy against rights 18 U.S. CODE SECTION 242- Deprivation of rights under color of law 18 U.S. CODE SECTION 1344- Bank Fraud ( fine and / or up to 30years imprisonment ) 15 U.S. CODE SECTION 1122 Liability of United States 15 U.S. CODE SECTION 1- Trusts , etc, in restraint of trade illegal : penalty ( fine and / or up to 10years )
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not remove freeze by phone or by using website. Website wont let me create free account, it says password can not be used as username but thats not what Im entering in fields. Its completely broken. Phone has no option to remove existing freeze. I can not unfreeze my report by phone or website. 
Website is Experian.com Phone is XXXX
Product: Debt collection

So I contacted this company on another forum to which they responded by sending a bunch of papers and an enlarged photo of an old ID card that I havent had in 7-8 years!!!! To which first off, it wasnt sent in the time allotted for by the FCRA for debt validation, which already makes this debt erroneous, but the papers they sent DO NOT PROVE ANYTHING.! They dont prove that I entered an agreement, nor do they prove that I owe any sort of debt to them and whoever XXXX XXXX is. I have never taken out money from either of these organizations and I demand Ad Astra remove its fraudulent trade line IMMEDIATELY and PERMANENTLY from all my credit reports ( XXXX, XXXX, XXXX ). This is your last chance as Ive already been advised by my attorney to go ahead and pursue legal action seeing how your company has violated numerous rights of mine. But Im willing to postpone by giving you this last opportunity to do whats right and rectify this situation. If you refuse this is just more evidence to bolster the case against you. Make the right choice and delete the fraudulent debt or face the consequences.
Product: Mortgage

My account information has not been updated by US Bank Mortgage, the amount I owe on the mortgage has not been updated. My account status has not been updated on my credit report. This needs to be updated, I signed all the necessary paperwork and the payment amount has still not been updated to reflect an update to date account. Been this way for two months now. I started the process in late XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022
Product: Checking or savings account

JP Morgan Chase bank, buys it 's customers credit report sin order to sell them loan rates, and justifies doing so by using the information on those publicly available reports as " security questions '' on your accounts. It makes them unsecure, and when presented with my displeasure, they basically told me they could not set up alternate security.
Product: Debt collection

After viewing my credit profile I seen an discrepancy with National Credit Systems Validation was requested XX/XX/2022 and XX/XX/2022 and the account continue to reflect on my credit report. They have failed to validate after multiple attempts have been made to them via myself, XXXX, and XXXX. I do not believe this account belongs to me nor do I believe the creditor has authorization to attempt to collect on the account. The account continues to negatively affect me. Please strike and remove this from all 3 credit bureaus until adequate validation has been received, proving that the account belongs to me and all the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that do not belong to me, nor did I authorize these inquiries to be pulled. Please remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) XXXX XXXX XXXX