23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My daughter ( now XXXX years old ) keeps receiving credit card applications in the mail for the Chase XXXX XXXX XXXX card. In this age of identity theft, no child should be sent credit card applications, and there should be a way to permanently remove the child 's contact information from the bank 's database. This has been occurring since she was XXXX year old. I have repeatedly contacted Chase over the past XXXX years trying to address this problem. Every time, they tell me they can opt her out of advertising for a few years, but can not permanently remove her from their database. This is a ridiculous response! There is no reason to send a credit card application to a child and Chase needs to have a mechanism to permanently block this type of mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account, with the XXXX was opened on the date of XX/XX/2017 without my knowledge and added to my credit report for the amount of {$7900.00} dollars. This is considered a fraud and additionally is a violation of my rights as a consumer. Furthermore, this company never validated the account with any supporting evidence as required under 15 usc ****g I demand this account to be taken off as soon as possible from all the credit reporting agencies including XXXX XXXX XXXX and XXXX XXXX I also demand {$1000.00} per occurrence for this violation. National Credit Systems is holding me liable for a debt that has been paid and full. My debt was not with National Credit Systems it was originally with XXXX XXXX. National Credit Systems also advised me that once the account is paid in full it would be removed from my credit report. National Credit Systems also increased the original amount from XXXX XXXX. I want this cleared off my credit immediately as it has been paid, as promised in the letter. I want the agency to forward this paid in full and a clearance letter to XXXX XXXX as well, so the debit is cleared. I want my money back and this information removed from my credit report. In the form of certified funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp XXXX Block , Inc . ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash app failed to take timely and effective measures to prevent XXXX  address fraud on their platform, leaving my account vulnerable XXXX  unprotected. Furthermore, their dispute resolution process was unfair XXXX  deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience XXXX  financial loss, XXXX  i seek appropriate redress for these violations.
Product: Debt collection

In XXXX of XXXX automatic payments were set up to pay XXXX XXXX XXXX XXXX for 12 months to pay an ambulance bill outstanding for XXXX. Because Im retired and on a fixed income I asked if this amount could be lowered. They agreed but said there would be fees. They sent me the paperwork which I filled out and sent back for a lower payment of XXXX. In XXXX I received a precollection notice stating that my payment hadnt been made. All this time theyd been receiving the initial auto pay of XXXX as the lowered amount hadnt been processed. I called back to find out what happened and a young man looked up my account, apologized and agreed that my new amount had indeed been processed and was now {$51.00}. I modified my auto payments based on this call. Since then Ive received a collection notice and phone call saying I wasnt making payments. I refused to argue with the collector in XXXX of XXXX but then received another collection notice on XXXX XXXX. I called back XXXX XXXX and was told my auto payments had been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : The Equifax Security Breach. I have been trying for well over a week to contact somebody ... ANYBODY at Equifax to help me place a " freeze '' on my credit reports to avoid fraudulent use of my credit. IT IS IMPOSSIBLE TO GET THROUGH TO THEIR WEBSITE OR ANYONE IN CUSTOMER SERVICE ... PERIOD. I understand that I have to pay for a credit report freeze ( even though the problem is their fault ), BUT IT SIMPLY CAN NOT BE DONE ... no way to contact any Equifax Personnel or use their website ( it is always " Unable to process request ''. Therefore, this company 's negligence and incompetence is PREVENTING ME from protecting myself! Please help if you can with a formal complaint on record from me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate 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

These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation and deletion of about 6 hard inquires bc they appeared out of no where and dont belong to any accts I have on file. They came back in XXXX XXXX and said they were factual - KNOWING THEY DID NO INVESTIGATION in XXXX XXXX - from the company Equifax The inquiries are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a XXXX from XXXX XXXX that is listed as income. This is also erroneous as income is to never be reported on my credit report. The XXXX is scanned for review. 
PLUS my personal information such as my name is incorrect. My name is XXXX XXXX XXXX. I am not a XXXX! This makes me susceptible to identity theft!
Product: Credit reporting or other personal consumer reports

A new account popped up on my credit report from Fosters and Monroe LLC this month. I contact the # and the gentleman who answered the call saying " XXXX ''. I hung up thinking I was calling the wrong #. He indicted that he is an employee of both ( that is mis-leading ). I doubt he gets a paycheck from both companies. He informed me that this is from XXXX and that Fosters and Monroe bought this a few months ago. Statue of limitation in California is 4 years. I understand they can report on the credit for 7 years and I'm assuming this is their tactic to get this paid by putting it on my credit report. My main is 1. the misleading of this man named XXXX XXXX he is an employee of XXXX and 2. the account is on my credit report with an open date of XX/XX/XXXX. Shouldn't this be reported from XXXX. Accounts almost 7 years old will have less impact to a score as they age. Instead this is impacting my score as if it is a fresh/new account.
Product: Mortgage

XXXX I have already filed the above complaint but do not see a way to add to that so I'm responding in this manner. 
I received a statement for my mortgage due on XX/XX/20 and now it shows I owe for XX/XX/20-XX/XX/20 even though I've paid XXXX, XXXX and this morning XXXX balances. I was in covid relief for XXXX and as stated have paid the above months. 
I called this morning to speak to XXXX XXXX who was supposedly my new agent only to be told it's been reassigned to XXXX XXXX!! This is the 10th person I've been assigned too and I've very frustrated. 
XXXX kept bringing up my bankruptcy but I do not pay my mortgage through the court trustee but instead pay them directly and they should know this! Now he's saying any moves they make has to be approved by the court but that's simply not true. They put me in Covid without the courts approval so why do they need it to fix my account? 
I was told in XXXX that FHA had approved moving any money not paid during the 3 month relief to be moved to the back end of my loan, yet they seemed to be incapable of doing this. 
I've been working for 5 months to get this cleared up and to date it's still a mess. They acknowledge receipt of my complaint but act like they know nothing and have to start anew even though they've supposedly been working on this since XXXX!! 
I feel they are flipping me place to place and not really working to resolve my issue. I also changed Mortgage insurance companies and now I have a {$1100.00} check from the old company I've scared to death to pay to escrow because they can't get what's going on correct let alone guarantee the payment is applied correctly, to escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Mortgage

Suntrust allowed a person to complete loan documents and sign a second mortgage against my property and remove {$300000.00} without my consent, knowledge or any authorization to do so. This person along with Suntrust attempted to cover up this deal by attempted to transfer my property solely into the name of the person who signed the loan/mortgage. The mortgage is in the persons name and the Deed is solely in my name. Suntrust refuses to release the loan documents to me after repeated attempts because the loan transaction was complete before the person attempted to transfer the property into his name. The Loan documents were not signed by the deeded owner. They also refuse to release the notes or conversations relating to the business regarding my home. Because I NEVER spoke with them nor solicited their business at any point.
Product: Credit reporting or other personal consumer reports

While checking my credit report, I noticed that XXXX is inaccurately reporting payment history relating to two ( 2 ) US DEPT ED accounts. I reached out and have not received a response in over 45 days. According to federal law they have to respond in 30 days or delete the accounts from my credit report or be in violation of 15 USC 1681i ( A ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and have strong suspicions of fraudulence. I urge you to conduct a comprehensive investigation and expeditiously remove them from my credit report. Supporting documents are available for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXXI 've been fight the credit bureaus for the last 3 years I was in a data breach with XXXX. and XXXX XXXXXXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..
Product: Money transfer, virtual currency, or money service

Im wanting to express concerns regarding XXXX handeling of disputes, particularly in light of cfpb lawsuit highlighting major issues with the platform despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claims properly they informed me that recovering my funds was impossible and tracking the transactions was infeasible. Cfpb findings indicate that zelle not only neglected to protect me as a consumer but also allowed repeat offenders to exploit the system leaving me susceptible to scams. This has raised concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - Balance {$5000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance {$2900.00} -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I filed a claim with my insurance company XXXX XXXX XXXX for Storm Roof Damage to my home that included Roof damage water damage interior of home and exterior damage. XXXX XXXX sent the claim check to my Mortgage company who is Grassland Financials. Grass Financial deducted my mortgage payment of {$770.00} and sent me a check in the amount of {$2800.00}. The repairman repaired my ceilings my home is leaking from the roof and I have additional damage from my ceilings. 
My mortgage company withheld the funds for me to repair my home. The reason I'm currently trying to correct this issue is because I didn't know my mortgage company didn't send me all the funds until I had my insurance agent to review the settlement statement from XXXX XXXX. Grassland Financial has been my mortgage servicer for several years, I've never received mortgage statements or letters from them reflecting information for my taxes, insurance and escrows. I call them monthly to make my mortgage payment over the phone. I was recently contacted by Grassland Financial customer service and was asked if I had been contacted by the Internal Revenue Services. The informed me that the mortgage interest statements for my mortgage was sent to the wrong mortgage customer.. Grassland has taken advantage of me and has unethical business practices. I need help to repair my home and I want to receive mortgage statement so I can see how my payments are being applied to my mortgage. See Attachments Please Help! Please Help!
Product: Credit reporting or other personal consumer reports

Equifax is reporting a bankruptcy on my credit profile. Equifax stated that the bankruptcy had been verified with the US Bankruptcy Court in XXXX, NC. I contacted the clerk of court in XXXX, NC they informed me that they do not report any information to the credit reporting agencies. Equifax has made a false claim and has yet to remove the bankruptcy from my credit report.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXX - 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
Product: Debt collection

I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me
Product: Debt collection

I applied for a home equity loan and was turned down due to " Derogatory public record or collection '' information on my credit report. I contacted XXXX about my credit report and was advised that I had an account with adverse information. My report stated that Sequium Asset Solutions was/ has attempted to collect a past due debt of {$7500.00} from XX/XX/XXXX. I have never heard of, been contacted by or done business with this company. 

I contacted this company by the number listed on my credit report and spoke with XXXX on XX/XX/XXXX who stated this account has been returned to the original creditor and is no longer with them. He provided the account and indicated it was with XXXX XXXX  I contacted XXXX XXXX  on XX/XX/XXXX and XXXX stated there is no account in my name, social security number or my phone number with her company. 

I have initiated a dispute with XXXX to have this false information removed from my credit report and I am contacting you to advise you that this debt is not mine and potentially my name or information has been used fraudulently. 

Although both companies were mentioned in the adverse information of my credit report, neither were helpful in resolving the issue.
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 violating 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.