23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ERC is claiming I have debt with XXXX. I haven't had XXXX in years and it was never on my credit report before. I have never received a XXXX bill at this current address either. 
The letter is dated XX/XX/2021 in the amount of {$220.00}. They say they will settle the debt for {$110.00}. 
Website XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida. 
Pay with cash at XXXX or XXXX XXXX. 

I had also put a freeze on my accounts because I have had an issue with someone opening accounts in my name. This account should never have even been opened if this was an actual account. I should have been notified immediately someone attempted to open up an account in my name but I never received an alert.
Product: Credit reporting

I have trouble with my transunions credit report. I have a XXXX hard inquiry with XXXX. I talked to this credit company to find out that I never had an account with them. 
Transunion needs a letter telling them that i do n't have an a account. Just please state that I do n't have an account with you and resolved this problem or at least with direct me to the person who can help me.
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 proces 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 |14 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) I have provided my photo ID along with the other required documents.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have NOT missed a payment on this loan. Now that I am down to the last few payments, 8 maybe 9 they changed my payment from {$150.00} every other week till XX/XX/year> the last payment being either {$120.00} or {$120.00}. Now they changed the payment to {$170.00} every other week till XX/XX/year> with the last payment being about {$83.00}. While I realize it's basically the same amount of money, the new payment amounts are not what I agreed to, as I have budgeted a certain amount each paycheck. The extra {$40.00} dollars a month they are requesting is nothing more than them trying to make me struggle more. 

When I talked to someone at their XXXX number, all they could say was the payment schedule is for fees and principal. They were not able to explain to me why they changed my payments without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has limited my abilities to reside in a desired neighborhood due to incorrect information and a much lower credit score provided to a potential landlord from my recent rental application. 

XXXX XXXX XXXX Report  involving my rental application included the following : -incorrect account balances for XXXX XXXX and XXXX XXXX accounts -inaccurate lower credit score based on false contributing factors 1 through 4 ; my student loan account balances should be XXXX due to my Income Based Repayment ( IDR ) Plan ; My current balances with XXXX XXXX and XXXX XXXX are XXXX ; The date that I opened my oldest account is not recent as it was XX/XX/2002. My installment loans include student and personal loans, of which all current balances should be XXXX. 
-my date of birth is negatively flagged because Experian is listed only as my year of birth
Product: Credit reporting or other personal consumer reports

Despite my previous attempts, these items have not been addressed, causing ongoing and significant distress. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to let this company aware that I know my rights as a consumer! Under FCRA law 15 USC 1681s ( 2 ) this company is in violation from furnishing inaccurate and an improper use of my consumer file.
Product: Mortgage

My loan was transferred from XXXX to LoanCare LLC on XX/XX/2016. XXXX auto drafted my account for the XX/XX/XXXX payment. I called LoanCare on XX/XX/2016 to make a payment. They told me to wait for the " Welcome Packet ''. A packet never arrived so I mailed a check on XX/XX/XXXX. The packet finally arrived on XX/XX/2016. I immediately set up auto draft by faxing the info they requested. The check I sent on XX/XX/2016 cleared my account on XX/XX/2016. Also on XX/XX/2016 LoanCare did a test ACH for my auto drafts. I am now receiving pre-foreclosure notices in the mail, 9 so far.
Product: Mortgage

I have called Gregory Funding repeatedly over several years for their assistance in refinancing a 7.5 % {$860000.00} mortgage. They refuse to offer assistance at all. The say to go to another bank and refinance with them. This is a loan that was originated during the housing crises. The government has provided many different programs to consumers to refinance such loans, however, due to my low income, I can not get approved anywhere for a refinance. Gregory Funding holds this mortgage NOW. They refuse to even assist with lowering the 7.5 % interest rate when mortgages rates in todays market are between 3.5 - 4 %. My credit is excellent. Despite many obstacles ( housing crises, financial crises, medical issues, unemployment, hurricane Sandy, etc. ) I have remained steadfast in paying Gregory Funding over {$7000.00} a month for this mortgage. The least they could do, is assist me with locking in a lower rate. There are also issues with them placing insurance on the property when I already have sufficient insurance. They never answer their phones, except at the end of the month when payments are due. I do not understand how Gregory Funding gets to choose if it wants to comply with mandatory debt relief programs for people with predatory loans. Please please offer some assistance, if anything, with a lower interest rate. Thank you.
Product: Debt collection

On XX/XX/year>, a collection was reported on my XXXX XXXX by an entity titled " ONLINE INFORMATION SERVI '' as the original creditor. I did not receive any prior communication or notification about this debt, and I am entirely unaware of its origin or legitimacy. 

To provide further context, I have thoroughly reviewed my records and correspondence, and I have found no prior bills, statements, or notices from the aforementioned creditor. I have always been diligent in managing my financial obligations, and this unexpected entry on my credit report is both alarming and concerning.
Product: Mortgage

I would like to register a complaint against US Bank for the unauthorized withdrawal of {$1400.00} from our bank account. I am attaching a letter where US Bank admits this was an error. An error that nearly caused us to bounce several checks. It took us several hours on the telephone For US BankTwo admit That this was a mistake And to clear it up
Product: Debt collection

I terminated trash service before I moved but unknown to me they kept billing for the service and then turned it over to a collection agency that has reported it the Equifax. 

Calling the agency was rather confusing. They wo n't take the {$92.00} because i say I do n't owe it and they wo n't remove the credit line item either.
Product: Checking or savings account

Under 1693c - ( b ) Notification of changes to consumer A financial institution shall notify a consumer in writing at least twenty-one days prior to the effective date of any change in any term or condition of the consumer 's account required to be disclosed under subsection ( a ) if such change would result in greater cost or liability for such consumer or decreased access to the consumer 's account. <P/>USAA restricted my account access only to shortly close my checking account with no notice and without detailed explanation. I have been unable to make electronic transfers to remove my funds, or even see my balance due to their actions. I 've requested documentation but have n't even so much as received a statement. Therefore, USAA is knowingly in violation of this Consumer Protection Law
Product: Credit reporting or other personal consumer reports

XXXX $ $ In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XXXX, Wells Fargo sent us balance transfer checks be used before XX/XX/XXXX on our card which balance had been paid in full in early XX/XX/XXXX ; however we continued to get XXXX balance statements through XX/XX/XXXX. Upon attempting to take advantage of the offer on XX/XX/XXXX, we were informed that our credit card was closed. No reason was given over the phone ; we were told a letter would be sent within a week. On XX/XX/XXXX we received the letter dated XX/XX/XXXX which stated that our account was closed on XX/XX/XXXX ( the day we called ) listing 3 reasons, 2 of which were completely erroneous. They claimed amounts owed on credit cards were near or at limit ( we had no credit card balances ; all had been paid in XX/XX/XXXX ), and that there were late payments on our credit report ( had none of these either except for the hardship WF had suggested and granted to us on our mortgage for storm damage in XXXX that many people had experience and which arrearage we paid in full in XX/XX/XXXX ). We pulled our credit report which confirmed our position. On XX/XX/XXXX we again contacted them to file a complaint and state that our credit report was totally contrary to their reasons. We were told via email on XX/XX/XXXX they would " research '' it by XX/XX/XXXX. Instead on XX/XX/XXXX ( one day of " research ''? ), they sent the identical letter to us again and further stated that they had a right to cancel a card " at any time and for any reason ''. Had they " researched '' it and looked at our credit report, they would have seen that their reasons were erroneous. 
The third reason they gave was that we had no checking or savings with WF ; this was/is true. We had a mortgage with WF since XXXX. In XX/XX/XXXX we reached out to WF to refinance at a lower interest rate. They could not meet competitive rates and we began inquiries with other lending institutions. In XXXX, they ( WF ) reached out to us to refinance but again they did not want to reduce the interest rate, only to extend the term, so we refinanced elsewhere in XX/XX/XXXX at a much lower rate. 
As previously stated, up through XX/XX/XXXX we continued to received XXXX balance credit card statements from WF showing a full credit limit available. Up to that date, we were never told the card had been closed, and, if so, why send us the checks. We believe the real reason that WF closed our card was that we refinanced elsewhere, yet they negatively and erroneously reported false information as to why our card was closed. The joke is on them as they have lost all the mortgage interest they would have continued to receive on our refinanced 30 year mortgage. We agree that they have a right to cancel a card at any time and for any reason. We do NOT believe they have the right, however, to fraudulently report false and erroneous reasons and to negatively impact our credit score. We completely understand why they have so many complaints against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Debt was deleted from my credit report and was reinserted around XXXX without proper 5 day notice or reinvestigation notce
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDNELNET partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried filing disputes concerning personal information listed on my Equifax, XXXX and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to Equifax, XXXX and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
Product: Credit reporting

Late XXXX, I sent out a letter to Experian to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Experian did not acknowledge this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a charge-off from Capital One. Capital One has been using extremely unfair practices in credit reporting. My charge-off initially started with one account number ; for some odd reason the account number was transferred and a new account was created with the same information. So, I actually had 2 accounts dinging me with the same exact information. I had to call Capital One MANY times to figure out what was going on and it took me MONTHS to have the duplicate account removed! Starting in XX/XX/XXXX up until XX/XX/XXXX I had started making payments to XXXX XXXX XXXX XXXX XXXX on my charge-off account every single month. The balance on my account had never went down. My original balance was {$3100.00}. Month after month, I was making payments with no decrease in the balance on my credit report. After some time I had filed a dispute on the account with the credit bureaus becuase the information reporting was incorrect. Capital One came back and reported that the information was correct and met FCRA requirements. Which it did not. Later, they sent me a letter in the mail, which I saved as proof of their unfair practices, that the information that was reported was incorrect and that they had fixed the issue. So they lied to the credit bureaus? Finally, my balance was updated after making 13 months worth of payments to {$290.00}. Well, this wasn't the end of it. After I had made my last payment in XX/XX/XXXX, Capital One went back and updated my balance back to the {$3100.00} and the status showed updated on XX/XX/XXXX! What are they doing? I called many times and spoke with the executive office and was promised returned phone calls which I never received, and when I did get a call back I was often put off or told to wait a few more days. I finally just gave up. I pulled my most recent copy of my XXXX report just as evidence of their fraudulent reporting should they try to cover up their mistake. Even more, when I had made my last payment, they said it would take a month to furnish me with a receipt and confirmation that my account was paid in full. They refused to email me a copy of it.
Product: Credit reporting or other personal consumer reports

Chex Systems continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to the companies reporting against me. I did not give permission under the FCRA, FDCPA, or congress law for them to report negative accounts against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Chex Systems has 30 days to delete the accounts in violation before I sue for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SELF-REPORTED XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXE XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to credit bureaus since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about some accounts that I do not recognize in my credit and they do not answer me and the accounts are still on credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Not too long ago I reviewed my credit report and was sent into a deep XXXX when I saw the accounts that were being misrepresented on my credit report. The bureau is clearly not doing their due diligence to ensure that whatever is being reviewed and reported by them is 100 % accurate and this is taking a huge toll on my personal life and need this fixed so I can get my life back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.