23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card through XXXX XXXX XXXX that became part of a debt consolidation program with XXXX XXXX in XXXX. The card was in my name only. In XXXX, we decided to sell my car that was financed through XXXX XXXX XXXX and was a joint loan with my husband so we could avoid any further debt. I sold the car to XXXX and requested a 10-day payoff email with details for the sale from XXXX. Sale was completed on XX/XX/XXXX. I received a small overage payment from XXXX and they were to pay the loan off in 5-7 business days. I noticed the loan still listed in my account 2.5 weeks after the sale and called to inquire on the status. XXXX informed me the check XXXX sent was returned to them because it didnt include the credit card payoff. They told me they hadnt spoken to XXXX XXXX since XXXX but when I had called them, they said they contacted them as recently as XX/XX/XXXX! I was assured by XXXX XXXX they would recontact them to ensure the release of my title. As of today, I am told XXXX is not negotiating in my best interest, my car loan is affecting my credit score and I have XXXX still waiting to receive the title for the car now in their possession.I believe this qualifies as a UDAAP violation. I was not notified of this requirement in the instructions for payoff/title transfer, I was not notified the check had been returned to XXXX and this is an individual account holding a joint account hostage.
Product: Mortgage

I am trying to get a loan modification. I need assistance. I have given tried to establish my trial period worthiness. I feel the lender is being unusually harsh to me. I ask that you audit my file and research my foreclosure. I hope that they would just give me a streamline modification trial period. I will make my payments and keep my home. I believe that the fair debt collection act and other laws that protect homeowners were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  Late Dates : XXXX, XXXX XXXX XXXX DC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I have my 30 year fixed mortgage at 5.5 % with Citibank. I have been a XXXX of theirs since 2008 and pay my mortgage on time every moth. Two years ago when mortgage rates dropped near 3 % I applied to refinance my mortgage and they said no. Why? Because my ratio did n't work for them. I had steady income, albeit not a great salary. I could have really used that break to help me put more away in my savings. I had quite a bit of savings and other assets. My friends whose salaries were very healthy took advantage of these great rates and they now they are sitting even prettier with lower interest rates and low mortgages but the folks who really needed the help were flat out denied. Citibank gave me a mortgage when I was unemployed in 2008!!!! My husband had just left with all of our savings and I was barely getting by on food stamps but Citibank wanted me as a customer and gave me a mortgage! I have never missed a payment. 

Shame on Citi. I would never recommend to anyone going with such a large institution with a very small heart.
Product: Credit card or prepaid card

A bunch of inquiry has been popping up on my credit report with out my knowledge and I called and reported it to the companies and they was no help XX/XX/2020 from capital one bank XX/XX/2020 from capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Refusal to XXXX XXXX XXXX own agreement. Exhibits 1 thru 5 attached.
Product: Money transfer, virtual currency, or money service

I intended to wire {$40000.00} to my sister in the XXXX on around XX/XX/18. 

The money was wired from my XXXX XXXX to Western Union that day. 

I received an email from WU on XX/XX/18 stating that the transfer could not be done and that I would be receiving a refund by XX/XX/18. 

I called on XX/XX/18 and asked why the refund had not come through and then I was told it would be returned by or before XX/XX/18. 

I have been calling every day since XX/XX/18 and I have been unable to find out why the refund has not been processed. 

I would like to know the name of the Federal Watchdog that I  should be reporting this matter to. Is it supposed to be the FBI or some other entity? 

My tracking number is XXXX Any help would be greatly appreciated. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting accounts that should not be on my personal credit report. Experian has refused to delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is listing my business/estate information on my personal credit file. I have a XXXX Financing Statement filed with the State of Florida, XXXX numbers XXXX from the Internal Revenue Service and XXXX XXXX & XXXX XXXX XXXX XXXX the name attached to this personal credit file is business/estate related. I am a secured party creditor and control all rights to the name and accounts that should not be on this credit file that Experian has created. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are witnesses to the copyright infringement upon my business name ( s ) that are reflecting on my personal credit file and the defamation and inaccurate derogatory information contained there within that is negatively impacting me professionally and personally. I have contacted Experian on multiple occasions regarding this matter without resolution on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt and on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt. The derogatory information continues to report. I need the assistance of the Consumer Financial Protection Bureau to investigate this case. Thank you.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with Transunion for XXXX XXXX due to account being paid on XX/XX/2022. I contacted XXXX Bank and asked for a letter in writing regarding the payment and updated status and to ask the bank to update my account status with all three bureaus. I filled a dispute with Transunion and asked Transunion to update my account information to show has been Paid in full for less than the full balance. 

My dispute has come back today as Verified and accurate with the old status of past due, with a balance and charge off on the account. 

Please assist as Transunion has not conducted proper research to see that this account has been paid.
Product: Debt collection

XX/XX/XXXX My Grandma had received a phone call from a company stating they needed to speak with me, I am unsure how they got her information. I called the agency, they had said I owed a debt and needed to pay it as soon as possible to stay away from legal action and brought up tax season. The gentlemen stated he would be sending me information to my e-mail since I told him this debt was already paid and had a letter that gave a confirmation number, I submitted it to this company but they stated it was not valid. I provided this gentlemen with an e-mail address three different times, along with sent an e-mail with the paperwork I had. XX/XX/XXXX He still did not send me information on the loan I supposedly owe. I have proof the loan was paid through bank statements. He was very rude and even brought up contacting my work and this going on my credit report. Pushed me into setting up a payment arrangement. The phone number I was receiving calls from was a different one I was told to call.

He said he was from NAM Group in XXXX, NY.
Product: Credit card or prepaid card

On XX/XX/2022, I attempted to make a {$25.00} payment towards my credit card using the Avant mobile application. I made ONLY one attempt to enter in my password which was incorrect. I did NOT make multiple attempts to log in and I still received a message that said " Due to suspicious activity, your account is locked, please contact Avant. '' I was able to successfully log in online and make a payment however, I still want to use the app for convenience so I called Avant customer service and spoke with a rep who was highly incompetent. He was trying to reset my password although I advised him that I was able to login online but my account shows locked on the mobile app. He then proceeded to disconnect the call. I called back for a second time and spoke with another rep who did not help nor did she actively listen to the problem. She proceeded to tell me to unlock my own account. She had me uninstall and reinstall the app which did not solve the problem either. The call was then disconnected by the representative. Avant 's customer service is horrendous.
Product: Debt collection

XX/XX/2022 up until now they call almost every day. They are very rude and disrespectful. They curse at me and keep calling me over and over again. In accordance with the fair credit Reporting act LVNV funding has violated my rights. 15USC 1681Section 602 States that I have a right to privacy. 15USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I've also never opened a windstream account but there are two on my credit.
Product: Credit reporting

XXXX XXXX 2014, I initiated disputes with Experian ; XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : XXXX XXXX XXXX XX/XX/XXXX I did not authorize this.
Product: Debt collection

Sent letter to CBC Credit Services and have not heard back from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : My records indicate that this account is incorrectly showing six late payments, while my Equifax report reflects only one late payment. I do not agree with the results of your investigation. Therefore, I kindly request that you provide me with documentation proving your investigation process and evidence supporting the reported negative payment history on this account. If you are unable to verify this information, I ask that you remove the inaccurate late payments from my record immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about the negative payment status on my account. I do not agree with this reporting and request statements showing the exact past due amount and the date this account became negative. I also disagree with the results of your investigation. Please send proof of your investigation and verification of this negative status or remove the inaccurate information from my credit report immediately. 

Inquiry : EQUIFAX CBNA XX/XX/year> These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN WILL NOT BLOCK THE FOLLOWING FRAUD ACCOUNTS EVEN THOUGH THEY HAVE BEEN CONFIRMED TO BE FRAUD!!! THEY REFUSE TO FOLLOW THE FCRA. ALL THE REQUIRED DOCUMENTS HAVE BEEN SENT IN ON SEVERAL OCCUSSIONS PROVING THESE ACCOUNTS OR FRAUD!!! ALSO THEY KEEP SAYING THAT IM NOT THE ONE FILING THE CFPB COMPLAINTS!!! I AM 100 % THE PERSON FILING THIS COMPLAINT!! I KEEP GETTING BS GENERIC RESPONSES. EXPERAIN NEEDS TO BLOCK THE FOLLOWING ACCOUNTS AS THEY OR 100 % FRAUD.

1.XXXX XXXX/XXXX  2.XXXX XXXX XXXX  3.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An un-authorized Inquiry was made on my credit based on an old address. 

Institution Information Syncb/walmrt XXXX, FL XXXX ( XXXX ) XXXX On XX/XX/2018 This is possible Identity theft and this should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter for this company " XXXX XXXX '' injuring my credit with this inaccurate information being on my Equifax credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I have made a transaction by XXXX  to purchase XXXX tickets. 
Within the XXXX  system my preferred mode of payment is XXXX XXXX ( the form of payment set up as XXXX ) However the payment has been processed I was informed that the payment was taken out of checking out against my wishes or intention. 
When I called their XXXX XXXX based overseas I caught the agent lying to me stating the the payment was preset to checking account. I confronted this lie with the screen shot which clearly stated XXXX. Subsequently I was told that the matter will be escalated and I was then put on 25 min hold which from time to time was broken to check if I am still on the line. At 32 min the call was without warning disconnected. 
It is evident that PP is cheating consumers this way as to : 1 ) get rid of any consumer protection as offered through a credit card 2 ) to get customer to lose any cash back bonus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payments as well as the creditor name you reported on my XXXX XXXX account # XXXX, as reflected on my recent consumer credit report provided by TransUnion XXXX You are reporting the creditor as XXXX XXXX XXXX account # XXXX. This is NOT correct. I have never had an account with XXXX XXXX XXXX. The reporting of these late payments & account name is erroneous, and I demand immediate correction in accordance with my rights under 12 CFR 1026.13, 15 U.S. Code 1681i, 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA ) 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first saw an address on my credit report that I did not recognize as well as XXXX XXXX ( whom I had no business with ). I contacted this property and was advised there was a broken lease ans an amount due. I advised them of not having and kmowledge of this and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had lived at XXXX XXXX XXXX XXXX XXXX XXXX for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX XXXX via email XX/XX/2016 to XXXX XXXX ad XXXX XXXX. I have also fled complaints with CFPB, FTC, etc and currenty have my attorneys involved. I have XXXX XXXX and this is upsetting me. I applied for another apartmentand was advised to contact XXXX XXXX where I advised that XXXX XXXX have a Civil Judgment against me on Experian, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and XXXX after the police report ( that names XXXX XXXX ) was provided. There were other addresses on mh credit report ( places in XXXX and other States ) that were removed by XXXX and XXXX.This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and tjey did n't have the correct email when I spoke them. So who did they serve? Who receivedthe info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft. XXXX and XXXX have already removed this
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX XX/XX/16 XXXX XXXX
Product: Debt collection

Hello, I received a notice in the mail from Convergent USA claiming that I owe debt on a XXXX  cell phone account that was closed and paid in full. As soon as I received the notice from Convergent I contacted both Convergent and XXXX to ask them what the debt was for. Both companies refused to provide this information. I have repeatedly attempted to work with Convergent and have provided them with proof that the debt is not mine. Convergent continues to refuse to provide any information on the source of the debt while simultaneously trying to collect money from me.