23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When pulling credit reports from all three bureaus, I noticed that Consumer Portfolio and XXXX XXXX XXXX XXXX and XXXX XXXX changed the addresses on my credit file that I lived at a different addresses. When I disputed with the credit bureaus they say I can not dispute them as the company is the one that placed them and have to contact them. I also have addresses that I have not lived at for almost 14 years and they refuse to remove it. I have and they say they can not change it. Also I have several accounts that are reporting potentially harmful information which is damaging my credit scores and reports. Bureaus are also refusing to remove them. I also have addresses that I have not lived at for years and XXXX is refusing to remove them. The only address that should be reporting is the one that I have lived at for 2.5 yrs. The Reporting agency says that the creditors that have had those accounts are still reporting which is not true as they are closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX : Posted payment of {$500.00} with minimum payment autopay settings hit XXXX XXXX  account, without notice of changes XX/XX/XXXX : Called Citibank Home Depot Customer Care at XXXX XXXX to discuss and dispute unknown charges. Agent claimed it was deferred interest, which I advised I had no knowledge of and had not ever received any details from " Home Depot '' or " Citi '' regarding. I advised the clear agreement for " NO INT for TWO YEARS '', which is listed on my monthly statements. I also requested clarification on the minimum payment changes and verification they would not be increasing to this dollar amount. Agent advised it was a one-time surcharge and my payments would be updated the following month. I requested a claim for the predatory charges, as the additional $ XXXX interest fees was not feasible or acceptable, given the terms I agreed to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate 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: Money transfer, virtual currency, or money service

I ave spent {$5000.00} to buy bitcoins from coinbase on XX/XX/XXXX. At the time the transaction happened, they did not ask me for any kinds of verification. Now that I want to sell those, they ask me for ssn verification and it always failed for me even though I have all information correct. I tried to reach out to their support team, all they replied is to ask me try it out more which is ridiculous.
Product: Credit reporting or other personal consumer reports

The late payments listed do not reflect my typical payment history.
Product: Credit reporting or other personal consumer reports

: This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax.
Product: Mortgage

I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my complaints.
Product: Credit reporting or other personal consumer reports

On XX/XX/16 I submitted a complaint regarding late payments being reported on my account I received notification stating that the information was updated. Nothing has been updated I am submitting another complaint for each account Individually so that no information will be missed or miscommunicated. I am attaching proof that each account was paid as agreed upon.
Product: Credit reporting or other personal consumer reports

I never lived at XXXX XXXX XXXX XXXXXXXX, GA XXXX, this information is not ACCURATE & should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX  XXXX XXXX. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

TD Bank online banking system has some sort of internal error happening that " locks " out the customer from their account. This has happened multiple times ( a minimum of 10x ) over the past six months ) and TD Bank forces me to drive to their branch location and then creates an temporary User Name & Password in order regain entry into the account. 
I am a very sick home bound elderly person that can not make the trip to the bank and the employees & supervision ( of which is little to non existent ) has no respect, consideration and or understanding for my situation. From my experience there is No Management team overseeing problems of the customers. The Board of Directors and or those on the TD Bank board are inaccessible to the customers and it's beneath them to solve problems. I've tried writing to the CEO, CIO, and the customer service center at TD Headquarters in New Jersey. I received no help and not even acknowledgement that they have a major problem. How many people are being locked out of their accounts on a regular basis. Their Chief Information officer XXXX XXXX will not take phone calls, emails and or messages and there is no way for the consumer to get a hold of their software team that runs online banking. TD Bank is a broken record of telling me to go into the local brank so they log me into my account. They could care less I'll be locked out again in a few days to a week. Even when you are 100 % sure of your User Name & Password you still will get locked out of your account. 

Below is all my information pertaining to the local branch of TD Bank in XXXX XXXX, FL and my banking online : Online User name : XXXX Password : XXXX My name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX email : XXXX cell : XXXX cell : XXXX TD Bank 's Fraud department has no standards, security, safety measures to ensure their customers peace of mind. Their fraud department called us last Sunday asking for my account number, social security number, birth date, etc. and I had No IDEA who the XXXX they were and they were evasive and not wanting to answer specific questions to properly identify their presence. It was outrageous
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Mortgage

Wells Fargo Bank has reset my loan to allow for more interest to be paid up front. Changing the loan number as I enter the last remaing years of my mortgage. I have a negative amortization loan that was converted from a fixed to a arm in 2006. I requested several modifications and have been denied for every reason. I have now discoveved as I enter the fully amortized payment they have changed my loan extended my term for a additional 22 years and have changed the payments which now allows the majority of the payments being applied toward the interest. They have changed my loan number to XXXX and have reset the payments to collect more interest up front as oppose to having the majority of the payments being applied toward the principal as it should now. You can review the amortization scheduke for both loan numbers and see the descrpency,
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ XXXX XXXX XXXX XXXX ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau EQUIFAX, has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. 

This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information :
Product: Debt collection

As a result of my previous dispute XXXX XXXX stated they requested that their tradeline be deleted from my consumer report on XXXX XXXX, 2024. As of XX/XX/2024 XXXX XXXX is still on my consumer report this has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by keeping me from getting new credit for personal, family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my Experian personal credit report account has been affected by a security breach/someone using my information to try to obtain credit. 

This has been an issue since XXXX This has resulted in numerous hard inquiries which have depressed my credit score, made it hard to obtain credit, and made it hard for me to find housing. 

I would like these inquiries removed. Also, there needs to be more security in place to thwart unauthorized use of a person 's identity. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have attached my last three billing statement to support my claim with dates. 


I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. 


Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. 

Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. 


Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. 


Discovers practice should be investigated, as it is deceitful and unclear. 


I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX  and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. 


Additional History : Note : The original balance transfer was XXXX dollars. 
Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.
Product: Mortgage

2014 I was put into XXXX  XXXX  with concerns with my health. My home was sold while I was there. I was trying to refinance of sell to help with bills and finances. The agent doc put some docs with Wells Fargo then to me I lost the home. Later to find out the doc he had me sign was a short sale. In stead of the refinance or the sale to gain the equity in the home. I was on numerous drug which made it easy to mis lead me. I later found out the the closing was in XXXX Ga a place I had never been. I reached out to Wells Fargo and let them know of my finding with prof of my health and date of mind from doctors. They dismissed it also my account with Wells Fargo went with stress as well over draft fees as well as finance with the house with out my permission. I have been home less since.
Product: Credit card or prepaid card

I have a capital one spark business credit card, what i mistakenly over paid on XX/XX/2020 with the more then 30k using a bill pay service, so i have there a credit balance over 30k. 
and they are refusing to refund it to me, first they requested all type documentation, what i did supply them, but they are still refusing to refund me. i was forced to close my account in order it should be released, they promise me that will got the check by the end of last week, but noting arrived. 
As of now XX/XX/XXXX capital one keeps my money over 3 months, and i still didn't know when/if they will give me back MY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature -XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX