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

On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Product: Credit card

Do not recognize inquiry from Capital One and XXXX on my XXXX credit report. Contacted the creditors and was instructed to dispute here.
Product: Vehicle loan or lease

We refinaced our car loan with XXXX in XX/XX/2019. Kia Mortor finance never released the title to XXXX and haven't released it to us either. Now their phone system just hangs up on you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with XXXX. 

XXXX has a policy not to report on those accounts however XXXX will not even release to me that policy in writing. I find this very interesting. 

XXXX is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,
Product: Debt or credit management

I have a checking acct with XXXX XXXX XXXX, one of the services is having your credit report checked as a service. This is through a credit reporting agency ; I looked through the reports and Midland credit had their name on my report WITHOUT my knowledge for XXXX dollars, I asked the credit reporting agency to take it off, they did not and said the amount was right, I have been fighting this for months with the same answer, Now XXXX XXXX is on my report as well. I would like these XXXX taken off my credit report. 

Can you help in this I am in a XXXX XXXX so can not go out to fix this myself.
Product: Debt collection

Diversified Consultants has been calling my work, cell and home phone repeatedly for months ( possibly a year ) sometimes several times a day. I thought they had stopped but today they called my XXXX aged son on his cell, LAST straw! They do n't tell me why they are calling but want me to pay them $ XXXX and give them info or face legal action. I would never give a company like this any financial info ever, I do n't owe them anything to begin with and have never even heard of them before. I do n't want to change all my numbers but will if you ca n't help me resolve.
Product: Mortgage

Hello I am hoping someone can help me with the problems I have been having with Rushmore Loan Management Services. They have been servicing the loan since XX/XX/XXXX and it has went down hill from there. I have received incorrect fee 's, modified payments, they have forced hazard insurance when I have homeowners insurance that is included in my monthly payments but their letter stated my homeowners insurance sent a letter of cancelation for nonpayment. I have been financially affected by Covid-19 and spoke with them several times with no luck for them calling me back or sending me any information in a timely manor. Finally on XX/XX/XXXX I spoke to a young lady about a repayment plan that would extend over the next 12 months that would be affordable so XXXX I would start making those payments. I also asked her if I was in Foreclosure status and she stated that no I was not. I was so relieved, but then comes XX/XX/XXXX and I get a letter stating that my home is in foreclosure status and I could not understand why when I had just spoken to someone for payment arrangements and didn't even receive my paperwork to send anything in for a possible Modification on my Mortgage yet .... Not to mention I had made my payment in XX/XX/XXXX and they are stating that I didn't so my mortgage wasn't even 120 days late. Even after all this back and fourth I would not get the packets I was told they would be sending or they would not respond to the Modifications packet or state that they needed more time. 

Miscommunication between the lender Predatory tactics ; Failure to give the proper notices ; Failure to accelerate ; and Misapplication of payments. 

Then they placed me in an impossible situation that was unaffordable making me put {$2500.00} down to save my mortgage from foreclosure on XXXX XXXX and pay {$2200.00} starting XX/XX/XXXX which I couldn't afford that was more than double my payments every month. They stated that they couldn't stretch my payments for 12 months but 2 other representatives stated that they could so I was late for the XXXX payment and they sent a notice stating that I was late and then the only reason that I knew my home was sold at a sheriff sale was because a realtor came to my home offering to help me sell it in the redemption period. 1. more thing about not receiving the notices from them they only sent these notices that I have now XX/XX/XXXX and I didn't receive some of these notices at all prior to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXXn XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XXXX XXXX, 2021 )
Product: Credit card or prepaid card

Wells Fargo bank draws {$21000.00} from my credit card and closes my checking account as well as my two credit card accounts too.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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

The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.
Product: Credit reporting or other personal consumer reports

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the
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 For These Violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX This account does not belong to me. XXXX XXXX XXXX has failed to provide the original contract bearing my wet signature or identification, as required under the Fair Credit Reporting Act ( FCRA ). Moreover, this account has been removed from my credit report multiple times, yet it keeps reappearing, which constitutes an ongoing violation of my credit reporting rights. 

Under 15 U.S.C. 1681i ( reinvestigation of disputed information ), credit bureaus are obligated to ensure the accuracy of information reported. Repeatedly allowing a previously removed, unverifiable account to reappear violates this provision. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of credit reports. The reappearance of this account demonstrates a failure to comply with this standard.
Product: Credit card or prepaid card

XX/XX/2022, I used the Shop with Points on my Chase account to purchase a XXXX Combo Touch Keyboard Case with Trackpad for XXXX ( XXXX generation ). I received the shipment, and they sent one for XXXX  and XXXX  generation. This is the wrong product, not the one I used XXXX points to purchase. I immediately got in touch when it arrived to ask how to rectify this mistake, and entered a long miserable spiral where I emailed and called and spent hours trying to find out who would either return and replace with the correct item I'd ordered, or simply return and refund my points. I have a long chain of emails back and forth with Chase documented, including spending hours on the phone with the Chase XXXX returns service center that Chase customer service directed me to. I'm incredibly frustrated having this expensive device I can not use due to the company 's screwup, and being told by customer service on the phone that this was a 'nightmare situation ' they couldn't seem to fix for me. I'm stuck, and unsure where else to turn. 
Please note that in all the Chase replies they give varying answers about who to turn to for help, and what to expect. I've been sent in circles with zero help. I am attaching the screenshots of my communications with Chase and XXXX about this issue.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block, Inc. ) due to inadequate service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. In 2019 cash app did not help me get my {$1100.00} dollars from me when it was stolen. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I called Experian to dispute late charges that on on my credit report, both accounts have been pd in full and needs to be removed from my account immediately.
Product: Debt collection

What happened? 

I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM ZAKHEIM XXXX XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS XXXX AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED XXXX AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND XXXX WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST XXXX FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( AKA ZAKHEIM AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, XXXX CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.
Product: Credit reporting or other personal consumer reports

My information was breached and incorrectly reported or edited on XXXX major credit bureau agencies
Product: Vehicle loan or lease

The original price for this XXXX XXXX  XXXX is about {$14000.00}. The car was leased around XXXX and up to date the balance is around {$11000.00}. So far I think I have paid over {$28000.00} for this car. Something is not right. I want a thorough investigation on this. Even when I just paid about {$2000.00} few days ago to get my car back the amount still remain the same. I want all records of payments. No late fee will amount to almost {$20000.00}. Something is not right here.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that there were many inaccurate accounts on my credit reports XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX credit inquiry XX/XX/XXXX Based on other information ' l just received from US Department of education my XXXX has been placed on good standing and has been removed on defaults upon all these my reports has not changed but my scores is getting worst of which l cant explained ls really frustrating Consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i contacted XXXX couple of months ago and asked them to investigate and removed all these inaccuracies, hard inquiries from my credit report that they are illegally reporting and l requested specifically the alleged application bearing my signature they have not been able to provides those proof to me This si a violation of the fair credit reporting act and these disputed can not appear on my credit report if it can not be supported by any evidence or proof. it is really frustrating .This is not my first time reporting my issues but my scores keep on descending with same inaccurate informations .As l said the departments of education just adjusted my XXXX loan status and removed it from deault and put it in good standing but the reports on my accounts is different why why why with my scores plunging down l need an answer
Product: Credit reporting or other personal consumer reports

Per law XXXX USC XXXX ( a ) ( 6 ) ( B ) ( iii ), I requested a description of determination of the accuracy and completeness of unauthorized charges. I did not receive any documentation showing how said balance is verified other than a linked address identification number.
Product: Bank account or service

I have had a series of fraudulent charges made from my checking account from the period of XXXX XXXX XXXX for an amount of XXXX . The bank initially has denied my claim as they say the money was all taken out with my personal ATM card, as well as based on the signature used when withdrawing at some specific point. However, I did not lose my ATM card and so I find it hard to believe that this reason for denying my claim would be reasonable. Furthermore, I have not gone directly to the bank to take out money, at which point necessarily needing to give my signature, in many years. For these reasons I 'm filing this claim against Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  Account # XXXX Account name XXXX XXXX  Account # XXXX and XXXX and XXXX and XXXX, Account name : XXXXXXXX XXXX XXXX Account # XXXX Account nameXXXX account # XXXX XXXX Account name XXXX Account # XXXX, Account name XXXX XXXX account # XXXX and XXXX and XXXX, XXXX, XXXX, Account name XXXXXXXX XXXX, XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX account name XXXX XXXX account name XXXX XXXXXXXX XXXX account name XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

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: Debt collection

I received no notices from Capito Partners about this debt. I thought this had been resolved with XXXX XXXX XXXXXXXX, the original creditor, over a year ago. XXXX lacked the competence to bill my secondary insurance, which would have gladly paid them. They were given the secondary insurance information on two separate occasions. I only became aware of the problem when it appeared, out of the blue, on my credit report on XX/XX/year>. The total debt claim is for {$2800.00}.
Product: Payday loan, title loan, or personal loan

Mosiac provided a loan to me for a solar system installation. I authorized banking information process for this to start XXXX per agreement ( attached ) and instead, Mosiac immediately took money out of my account ( bank statements attached ), well before the official closing loan certificate indicated when XXXX payment was due. So I was paying for a system in which no work was completed. Then in XXXX they stopped processing the automatic payment and have not taken any additional payments. They have all of my banking information and refuse to process further payments. So they broke the terms of the loan closing agreement by processing early payments ( twice ) and then stopped processing payments. This should not be on my credit report as I setup and authorized payment information to automatically take place, which happened the first two months well before the agreed upon start date. This company took advantage of access to my banking information WELL BEFORE the agreed upon start date, and then stopped processing, and then filed a credit complaint. What did I as a consumer, do wrong here?