23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A store credit card for Neiman Marcus capital one was opened on XX/XX/XXXX. Two transactions occurred. The first attempt at XXXX for {$1000.00} that was declined. Second attempt at XXXX for {$1000.00} that went through and cleared. I was notified by XXXX on XX/XX/XXXX a hard inquire was reported on my account. On XX/XX/XXXX, I received a text from CapitolOne a Neiman Marcus credit will arrive on XX/XX/XXXX. I called CapitolOne immediately and was transferred to the fraud department. The fraud department closed the account and state I will get more information once the investigation is completed. I then called Neiman Marcus to report it and I was informed to contact CapitolOne. I called CapitolOne and was given the time, amount, date, and store location. The store location given Neiman Marcus XXXX XXXX XXXX On Monday, XX/XX/XXXX I went to Neiman Marcus in XXXXXXXX XXXX I spoke to a manager about exchanged numbers to receive updates and was informed to contact the police. I went to the XXXX police department and filed a report. I informed the police assisting me it could possibly be an ex that has a history of committing fraud and identity theft. The officer asked for the ex boyfriend name which is XXXX XXXX, birthday XX/XX/XXXX, number XXXX ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX XXXXXXXX XXXX United States.
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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Product: Mortgage

We did not receive any information that our Jr. loan was a balloon mortgage ; we had no notification that it was coming to maturity ( whatever that means ). We didn't know what a balloon even was. We have our payments automatically drafted out of our accounts and in XXXX I received a text that we are behind on payments which confused me because all payments were drafted automatically. I immediately called Mr. Cooper to find our what was going on and what was a balloon. The explanation given that is what we signed up for it 15 years ago. First of all, once a balloon was explained to us, we would have never agreed to pay in full what was left on the loan. No way would we ever agree to pay {$17000.00} in one payment. I asked them why I wasn't mailed a letter or notified this was going to happen the first XXXX. Mr. Cooper stated that they sent emails and listed on our account. The only physical letter I received was that our Sr. loan payment was going up starting in XXXX, so I let our bank know. We didn't receive any communication on the smaller loan until I received a text saying we are delinquent on our loan payment and to call. That's when I called and found out we had a balloon loan and what it was. They told there is nothing they can do except sell my home and use the equity to pay off the loan. I shred with them that's not an option. I asked if there was way to continue to pay as we have been for the past 15 years and they said no. My complaint is that I didn't receive anything paper or email ; but they sure knew how to text me when I was delinquent on paying {$17000.00} on the spot. Now we are in a situation of losing our home ; not an option! I don't have any papers or emails to send to attach to this complaint because we didn't receive anything!
Product: Student loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 XXXX
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. 

XXXX XXXX XXXX DE : # XXXX, XXXX  : # 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. 

Due to the inaccurate information im not able to extend credit to purchase a home and or vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, as XX/XX/2018, Equifax sends me a confirmation number saying that I can view my report as well as the results of an investigation they completed, ONCE again, it tells me that My information doesn't match their records. 

Once again, this needs to be fixed or I will take them to court just so I can get access to my reports!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. Based on consumer law

15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit repo
rt.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete these items immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I made an agreement with the company Wells Fargo to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to XXXX as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on XXXX.
Product: Debt collection

PSC Inc attempts to collect a utility bill outside statute of limitations. Washington statute of limitations debt RCW 4.16. 040 Continued attempt to collect on debt Notified PSC Inc of statute on XXXX/XXXX/2020. Tracking number XXXXXXXX XXXX Requested they cease collection attempts, to notify any subsequent collection company they transfer said debt to in the future of RCW 4.16. 040 and to cease reporting this debt to the credit bureaus. 
I received Notice of Attempt To Collect A Debt letter from PSC Inc. mail date of XXXX/XXXX/2020 continuing their actions. 
PSC Inc is continuing to report this debt weekly to the credit bureaus further damaging my credit for a debt that is outside RCW 4.16. 040 Spoke with XXXX  at your office, operator ID XXXX on XXXX/XXXX/2020 and was unable to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit report
Product: Checking or savings account

I tried to open two accounts with Truist Bank online. I funded two new accounts with {$1000.00} and {$7000.00} from my current checking bank account. I received a letter in the mail on Wednesday, XX/XX/2023, that my account needed to be closed due to fraud dated XX/XX/2023. The statement on the letter stated that I could go pick up checks for the funds in my account. 

" 4. If funds are remaining in the accounts, a check may be mailed to the address on file if not collected at the branch within ( 10 ) ten business days. '' I went on Saturday, XX/XX/XXXX, and Monday, XX/XX/XXXX, they refused to issue me a check and stated that my funds would be held until further notice. They mentioned something regarding a written off debt from Suntrust, which Truist aquired. Which I have no idea when that occurred with Suntrust. They stated they would subtract the written off debt from the funds I deposited. 

One, they never mentioned that in the letter and I have not had a Suntrust account for over 15 or 20 years or more.. I don't recall any debts being written off at this point 15 or 20 years or more. My funds came from my current checking account with my current back. I contacted my bank and they stated that Truist never contacted them to confirm if the fund were fraudulent or not. 

Truist was also involved in paying credit card bills, closing accounts, and releasing funds from my uncle XXXX XXXX XXXX 's individual account to XXXX XXXX, the estate XXXX, without having the proper documentations from the XXXX, VA XXXX XXXX. The estate administrator fraudulently used the accounts when it should have been frozen. She closed the accounts and collected funds she knew she was no allowed to without the proper documentations, while leaving the credit card balance in unpaid. Due to not doing their due diligence, Truist is accessory to fraud and embezzlement of estate assets.
Product: Credit card or prepaid card

I opened a MasterCard with XXXX and they closed my account due to inactivity after about a year without informing me first, negatively impacting my credit score even though I was waiting for a replacement card that never came.
Product: Debt collection

I recently had my credit pulled and found out that I have a collections account reporting that I have a past-due bill. I sent the company a validation request on XX/XX/XXXX. As of today, I have not heard anything back from them. I don't believe this debt is mine
Product: Debt collection

Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
Product: Credit reporting or other personal consumer reports

I sent copy of my passport, lease agreement, bank statement and Insurance to my car reflecting my address @ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with all that a request CONSUMER STATEMENT to read ( Anyone trying to extend credit in my name to call me at ( XXXX ) XXXX ) instead see example 1 out of 3 responses from bureaus OBVIOUSLY THEY RECEIVED MY DOCUMENTS on top of all these lyes and frivolous response 's there sending promotional tools to by to get my reports this is a practice well known in your division CFPB which going pn 10 years allowing these companies to operate like this and XXXX reason XXXX turned there corporation into a XXXX so they can continue to bait the consumer for the mighty dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

Geez, do you think I'm an idiot? This is the second time that you have caused me harm. I don't know if you could care less or are incompetent... 
I asked you to deal with the problem that you are listing my husband 's mortgage somewhere around $ XXXX on a house that is worth $ XXXX. That is, the mortgage is worth around $ 25 % of the value of the house. 
In addition, as I mentioned, we own two houses free and clear that are worth over {$1.00} million with no mortgage. The addresses of my other houses that are paid in full follow : XXXX XXXX  XXXX in XXXX XXXX, XXXX, TX XXXX XXXX  XXXX, XXXX, TX XXXX I'll try to attached pdf documentations as such And keep in mind that we always pay our debts in full every month. 
Yet you all have the *. * nerve to actually think you can con me into believing you have done something when every one knows the XXXX is not the score that matters- or the banks look at. The problem is that you *. * are listing our minor mortgage as a credit card get, which is getting y credit card companies in a flurry. It is the reason that one of my credit card companies cut my credit in half because of this and there are signs more will happen. 
I know that you would never have let us know anything if it weren't for the XXXX. You are supposed to fix the problems you caused, not to create fake fixes to make me go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out a letter on XX/XX/2020 to Experian to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Product: Mortgage

My mortgage was purchased by a lender ( XXXX XXXX ) other than who I orginally used for financing. That lender then contracted Loan Care to sub-service the loan. That was approximatley a month and a half ago. I have yet to recieve a welcome packet or any statements. After 4 hours of my life wasted, I was finally able to get something with a pulse on the phone. That person provided me with my account number and adivsed she would be mailing and Emailing a statement. I have yet to recieve either. I was able to set up and account online. Today, I attempt to make a payment and the login credentials that I set up are not being recognized by the site, nor are the temporary passwords they provided. I have been on hold for over an hour waiting for someone to pick up the line. I just want to make a payment .... 

UPDATE : I reached someoen who prompted me to do set up a new account. That did not work either. He then tole me he had never ran into this before and to call back after 5?? Maybe the intelligent folks work the late shift? 

My payment is due today. Ive yet to recieve anything from the company and have no way of making the payment despite every attempt.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX Credit Reporting Agency : XXXX Experian XXXX To Whom it May Concern, Account name : XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00}, and while reflecting XXXX ( XXXX ) late payment. Additionally the utilization percentage is also inaccurate as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + ( {$1200.00} ) So the increase amount is XXXX Adding the increase of XXXX to the original XXXX gives us : {$1200.00} + {$220.00} = {$1400.00} Therefore, {$1200.00} plus an 18 % increase is {$1400.00} which contridicts the account balance and past due amount {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 an account without my written instructions.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX