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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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 ( 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 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it. 

In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as a joint holder on to my wife 's bank account with Goldenwest Credit Union, but there was no disclosure that the institution would do a hard credit check. Most financial institutions use XXXX and not public record on a simple account opening. The inquiry was marked as a installment loan inquiry. There was no loan or leverage that I was applying for. I also didn't sign an agreement to this hard check. On XX/XX/2021, I received an email from Experian that said they had hard-checked my credit. I attempted multiple phone calls between XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. I ultimately visited the branch on XX/XX/XXXX and the representatives there said they couldn't do anything about the hard check. I also contacted Experian, who said they couldn't do anything and that I needed to work with the institution that did the check.
Product: Credit reporting or other personal consumer reports

Please see uploaded documents regarding unfair furnishing of accounts listed on my consumer file. To include the poor investigation practices done by credit reporting agency Equifax on these erroneous accounts.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

My leased Hyundai vehicle was involved in a accident in XX/XX/XXXX. It was declared total loss by the insurance. Insurance made the payment. I paid my deductible portion. In XXXX, I received a letter of bill from Hyundai Motor Finance. The letter states that I owe {$690.00}. I, immediately called Hyundai and notified that I and insurance paid the amount due. I assumed the issue has been resolved. There was absolutely no communication from Hyundai after that. 

However, I got a negative credit item reported to my credit record in XX/XX/XXXX without any prior communication that I owe anything or they are taking any action. 

Then I got the bill from Hyundai for {$690.00} in XX/XX/XXXX. I mailed them immediately that I do not owe anything. No response from Hyundai to my letter. 

They now send the matter to collection agency and now I got a letter from collection company dated XX/XX/XXXX asking for money. 

Prior to this matter, I had a perfect credit report with no negative information on my file. I was never late for any payment for Hyundai Motor Finance or any financial institution. They ruined my credit file and score for something that I don't owe. 

They are also harassing me through collection agency with amount I do not owe.
Product: Mortgage

Home # 1. aka residence & lt ; & gt ; for almost two yrs,. Ocwen Loan Servicing had me filling out numerous loan modifications XXXX 6 ), denied every time!! After the two week waiting period, receive call, telling me, denied!! the following week, I would receive a complete loan package of XXXX pages, filled it out, sent it back via. XXXX wait the two weeks, DENEID!!! Again, the same thing, another loan Mod. package arrive at my residence. only to be denied!! & gt ; & gt ; & gt ; leaving the interest rate XXXX firmly at XXXX XXXX to date! 
Home # 2. aka investment property, I call it, retirement property!! 
Same as above, but former Servicer Stopped excepting my payment in forcing me to fill out Loam mod. only to be denied numerous times!! after it was becoming a joke, so many deniles, I asked them, what now!! Reluctant to answer me, so I asked, are you foreclosing on me? I was told, quote, your house IS in foreclosure!! I remember telling them in a letter, if you foreclose, I will receive XXXX from the I.R.S. a bill in the amount of {$50.00} K or so!! & lt ; & gt ; I did & lt ; & gt ;!!! I currently owe the GOV. {$50000.00} in XXXX gains tax!! 
Luck for me I had a buyer waiting over one year to buy my property of 22 years ownership! 
*note When I agreed to sell, I emailed Ocwen Loan Servicing XXXX what my intentions were ... 
receiving the payoff in less than one week, and I told Ocwen I have a cash buyer, please assist my buyer 's attorney in the payoff. In essence, Ocwen ignored their attorney for three weeks!!! Almost jeoppadising my sale!! & lt ; & gt ; If the buyer found out the property was in foreclosure, I would have been eliminated from the sale!!! A foreclosure to my credit, plus XXXX loosing everything ], including the XXXX XXXX dollars left over after sale Ocwen receiving their share in full!! Sale price XXXX payoff XXXX plusOcwen ruined my credit with my residence, reporting me XXXX months late while making additional payments of XXXX on top of my regular for ten months, applying the additional funds to LATE FEES AND INSPECTION FEES & lt ; & gt ; FIRST!!!!!!!!!!!!!!!!!! 
LATER ;, OCWEN WOULD CORRECT THIS MATTER!!! MY CREDIT RUINED FOR MORE MONTHS, PREVENTING ME TO REFINANCE FREEZING MY INTEREST RATE@6.875 % & gt ; OCWEN & lt ;, DOING BUSINESS UNFAIRLY IN ACCOMEDATING THEIR INVESTERS, FLIRTING WITH THE LAWS OF THE UNITED STATES OF AMERICA. 
AND WEAKENING THOUSANDS OF COMSUMERS, PLACING THEM IN HARMS WAY! 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts have been added to my credit file without my knowledge or authorization. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report immediately : Fraudulent Accounts : 1. XXXX XXXX T o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Past 6 months i have disputed multiple times a couple accounts with Experian. Experian continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Experian has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information XXXX  times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello XXXX XXXX XXXX of XXXX Texas. Since the end of XX/XX/XXXX I havent been able to have access to my account nor have any funds via Chase Bank. Ive been calling and going into different branches almost everyday since XXXX and still the same result. Were told that I would receive my check around thanksgiving holidays but now its XX/XX/XXXX and Im still without my money. Im reaching out for my story to be shared so I can receive assistance to gain access to my money.
Product: Debt collection

I made a purchase from Lowe 's that was financed by Synchrony Bank for {$1500.00}. In XXXX and XXXX it was advertised on television as zero ( 0 ) interest. Nothing was stated about monthly payments. It was also sated I must pay each deferred interest promotional balance in full by its expiration date to avoid paying accrued interest charges. I was also told I may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. I made advance payments that superseded any monthly annual payments. I paid my promotional balance in full before the expiration date. I was charged late fees, interest and received the most disgusting, harassing and false in formation was entered on my credit report. I am not the only customer with this problem. I spoke with various company representatives that supposed to record our conversation but it did do any good. This promotion in my opinion is the greatest bank scheme that is defrauding millions or billions of dollars monthly or annual from the consumer. XX/XX/XXXX I made the transaction for {$1500.00}. With zero interest and was told XX/XX/XXXX was my expiration date I paid {$66.00} on XX/XX/XXXX. {$500.00} was paid XX/XX/XXXX. Another {$500.00} was paid XX/XX/XXXXand my final {$500.00} was paid XX/XX/XXXX. Balance due now is {$950.00} for what? I did what I was suppose to do.I paid my bill in full before the expiration date. I have a Room To Go account serviced by this bank and the same thing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXX..and my fiche score is XXXX and XXXX reflectively, Experian who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of 2015
Product: Mortgage

XXXX XXXX Loss Department will not release to me the amount reimbursed by XXXX XXXX for hail damage suffered in XX/XX/2018. XXXX  issued a partial payment check for {$24000.00} and I forwarded to XXXX Loss Department in XXXX, NE in XX/XX/XXXX ( XXXX ) when Affordable Roofing and Restoration had completed the work on the home. The barn reroofing is pending. 

Attached is the receipt from Affordable Roofing showing paid in full and a cash deposit receipt from XXXX. XXXX for a down payment to order materials for the barn roof. 

The response from the Loss Department at XXXX XXXX has been beyond incompetent. I have sent via email, mail and uploading many documents requested often over two times. They still have not released a check back to me for work done to date which I paid for of {$17000.00}.
Product: Credit card

This is an extension of complaint XXXX. Syncrony bank states that they resolved the issue by mail. They resolved nothing. Nothing has been resolved with this matter. They violated FCRA XXXX here in California. I filed a case against them and I was unable to show up because I am temporairly XXXX and the court stated that I could file again against them if I chose to, which I plan to unless Synrony pays for the statuorty damages for contacting me by phone when i did not ask them to contact me by phone in writting and verbally. 

If Synchrony bank responds back stating that they have no record I will infact use that against them in court and they will have infact purgered themselves because they would be lying. I have all the records I need to show a judge ( AND ONLY THE JUDGE OR ON THE DAY SMALL CLAIMS COURT ) That I indeed was contacted and that the call was recorded. 

Please consider this my one any only chance to mediate this situation in the form of {$1000.00} in debt forgiveness or I will be filing for {$3000.00} in small claims court or perhaps giving this to a Civil attorney. 

Please do not contact me by phone about this matter you can email me, but no phone calls if you wish to discuss settlement XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Experian and XXXX  multiple times in regards to a creditor by the name of " XXXX XXXX '' on my credit report. My last four of my SS # is XXXX. This debt does not belong to me and I have asked the company to prove and verify that it does, which they could not. They have NO wet signature nor contract between them and I. Not only do they not have verification but they are also reporting incorrectly on my credit file. It's showing a closed account as of XXXX however still reporting late payments as of XX/XX/XXXX which is impossible on a closed account from XXXX. This is unacceptable and against FTC and FCRA laws and regulations. This creditor needs to be removed from my XXXX  and Experian credit files IMMEDIATELY.
Product: Credit card

In XXXX I used my Bank of America, XXXX XXXXXXXX XXXX card to make a purchase at XXXX for {$520.00}. On XX/XX/year>, in the next credit card billing period, I returned the item back to XXXX and received an immediate credit back to my XXXX XXXX XXXX XXXX However, even though the remaining balance on my XXXX XXXX XXXX XXXX only {$6.00} ( for a new purchase ), on the due date of the account, Bank of America XXXX XXXX full {$520.00} balance as was due from the previous month 's statement balance, even though the {$520.00} credit from XXXX had been credited back to my account XXXX DAYS prior to BOA taking the {$520.00} out of my account! 

I called BOA to complain and the XXXX XXXX told me it looked to me like I had gone online and paid the bill. I assured her that I had NOT gone online and paid the bill, that I was set up on auto-pay and that BOA went in and took the money, even though there had been a {$520.00} credit issued to the account XXXX days prior to the payment due date, which was the amount of the prior month 's statement balance. The XXXX XXXX told me, " Well, if you are set up on auto-pay, the bank is going to take whatever the amount of your prior month 's statement was, out of your bank account whether there were any account credits during the current month or not. '' I told her I literally have XXXX other credit cards, most of which are with XXXX, XXXX, and XXXX, and ALL of them take out the prior month 's balance on the due date, MINUS any statement credits I received in the current month up until the date of the auto-pay. The XXXX XXXX simply told me, " I don't make the policy. '' Now BOA has {$510.00} of my money, which they have no right to!
Product: Debt collection

Trident management never sent me a notice to settle or any communication before they put this debt collection on my credit report XXXX charged off for a credit card thats not even on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit acceptance gave me a leased car that I ended up voluntary giving back due to car dealership selling me a faulty vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Vehicle loan or lease

I was at the XXXX XXXX And police officer scanning system in the police car picked up my licence plate and it said car had a lien and was reported missing and i have never been contacted by the Bank or by any debt agency