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

The payment status for my loan has been incorrectly reported to the credit agencies Experian and XXXX  and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( XXXX documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- XXXX  & Experian credit reports. I am still trying to get the XXXX  report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and fair 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 fair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 Loan Company Credova Financial LLC, ( online loan application sent for approval. Came back approved for XXXX take to the store for your purchase of product ). 

Online/Credit Report states : Monterey Financial Services Got inside the desk clerk stated said that yes you are approved I said I  wanted to put XXXX down so I will not have to pay a lot of money on the loan because I don't have a job. Cordova do not ask you about employment information only bank account information that is how you get approval. When I called Cordova to talk and explain to them they hold on let me get you over to Monterey. I explained to them but I filled out the online application with Cordova. It looks like Cordova is the cover for Monterey Financial somehow. The Consumer reviews list 135 reviews with a 1 star with the same issue they fill out loan with Cordova then they come back with leasing information when we ask for a loan not leasing. I called and tried to explained that I did not have job that was money I was saving up and wanted  to help local stores and my XXXX by losing XXXX family members due to XXXX the lady responded well you should have thought about that before you used it on a puppy. She did not hear me say that I was elderly and needed a companion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX DOB XX/XX/2020 believed to be a toy but puppy is already out of toy range will be full grown Yorkie. Price XXXX+puppy pack150+taxes XXXX. If I want to buy the puppy out right XXXX XXXX +applicable fees or taxes.
Product: Checking or savings account

I had some fraud on my bank account and Chase bank is helping me with disputes but My bank account went into the negative because of the fraud charges and they are only removing 2 of the nsf fees and not all of them. I have been with chase for 4 and a half years and now feel like they are mistreating me. If I can't get them to resolve this matter I will be leaving Chase for good.
Product: Money transfer, virtual currency, or money service

I was made aware and still get notices at hat over XXXX is being charged to my account for services I didnt sign up for. They say theyre through PayPal for home warranty services. I contacted the home warranty company and they said there is no such charg. Still Im getting the same notices!
Product: Credit card

I am writing to express my deep concern and disappointment regarding a recent reduction in the credit line of my Southwest Chase Business Credit Card. As a valued customer, I have always relied on Chase for my business needs, and this unexpected change has put me in a challenging position. 

Recently, I noticed that my credit line was reduced from {$9000.00} to {$7700.00}. This reduction comes at a pivotal time for my business, as we are approaching the end of the year, a period that requires significant travel and expenses for meetings, incidentals, and rental cars. To ensure that I could cover these expenses, I made large payments towards my credit card. However, the reduced credit line now severely limits my ability to manage these essential business activities. 

Moreover, I am particularly concerned that my personal credit was pulled in relation to this business card. My business is registered as an XXXX XXXX and I believe that personal credit checks should not impact the credit lines associated with business accounts. This not only affects my business operations but also my personal credit standing, which I strive to maintain diligently. 

Given these circumstances, I respectfully request that you reinstate my original credit line of {$9000.00}. This action will significantly aid in the smooth operation of my business during this crucial period and reflect the trust and relationship I have built with Chase over the years. 

I appreciate your attention to this matter and hope for a prompt resolution. Your assistance in this regard would reinforce my confidence in Chase as a partner in my business success. 

Thank you for your understanding and support. I look forward to your positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to on XX/XX/2021 disputing the vaildty of a bankruptcy their reporting on my credit report. The response letter stated verified. They could not send how the verfied and needs to be deleted according to the FCRA which they once refuse again to delete which is exploding to purchase a home and causing me to pay thousands more in interest each year
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again. Every 2-3 months my credit file is incorrect, wrong, and XXXX. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and XXXX XXXX XXXX fraudulent debt on my credit file. It ISN'T fair! It caused me a V.A. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Truist bank reported to XXXX that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

On XX/XX/21 XXXX XXXX XXXX reported to XXXX that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX or XXXX 

Per CFPB regulations Im demanding that XXXX removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - collection reported to XXXX  by Credit Management LP, XXXX, TX XXXX for XXXX {$370.00} delinquent as 0f XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account opened : XX/XX/XXXX Amount : XXXX I have sent out XXXX letters asking to have debt removed from my credit to seek relief and monetary damages, & the company has failed to verify items. Ive sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Student loan

My loan is currently being serviced by Mohela, and I am utilizing PSLF.

I began repayment post COVID, with my first payment in XX/XX/XXXX, and my second in XXXX of XXXX. However, my XXXX payment did not get billed and I was notified in XXXX ( after I had made my payment ) that I was placed in administrative forbearance. I had several phone calls with Mohela to clarify this, and shared my intention was to complete by 120 payments in XX/XX/XXXX, so I did not want to do anything to jeopardize this. I was willing to make a XX/XX/XXXX payment, if they would just tell me the amount and enable a way for me to do this. This was declined and I was told that my XXXX payments also should not have been made, and that these could either be returned to me, or applied to a future payment. I requested they be applied to a future payment. However, in XXXX I was once again billed, and these were not applied to the XXXX payment, so I went ahead and made my XXXX payment. I called Mohela again and they told me that my request to apply to future payments was not processed and they would instead process a refund. 

The online system shows my payment count short of 120, with the XX/XX/XXXX payment showing as ineligible as I was in administrative forbearance - the forbearance I did not request to be put in, and the one that multiple representatives assured me would count towards my payment count, even though I was prevented from making an actual payment. 

I have already spent hours on the phone with Mohela trying to resolve these issues. I have just received a XXXX bill. I do not have my refund back for XXXX and XXXX yet. I feel like my only option is to go ahead and pay XXXX as well, because it does not seem that XXXX is going to be updated anytime soon, and I desperately want to get to the 120 payments and be done.
Product: Credit card

I call them servals times to update the address, and they keep charge me for late fees for something I'm not responsible for, I ask them to pay for the balance I did use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BK OF AMER, XXXX XXXX XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BK OF AMER, XXXX XXXX XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed collection account, as this was to be paid for by the Department of Veterans Affaies, for ongoing XXXX treatment and its residuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I took my motorcycle to XXXX XXXX of XXXX to have some modifications done. I told them at that time I had over 1000 dollars in gift certificates for their store and the remaining money would be paid by check. There was never a question brought up with financing any of this. A couple months later a Hard credit report shows up on my credit check I periodically do and try to resolve the issue with this company and after many months I filed a report fearing some type of fraud. Come to find out after the investigation it was XXXX XXXX of XXXX that requested this with no knowledge to me, and me not even thinking I would have a credit check done seeing that I was paying for this with no credit involved. I was never asked nor told there would be a check done and was quite surprised to see this happened. I have bought several motorcycles from XXXX XXXX and used their financial network they could have easily went through them to see I have never defaulted or been late with payment on any bike I bought there. Very underhanded move here. I never authorized and credit check for this transaction on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I will seek remedy for any negligent and willful noncompliance.
Product: Money transfer, virtual currency, or money service

" Cash App terminated my account without explanation during a disputed transaction investigation. Original transaction was {$7000.00}, reported as unauthorized. Cash App launched an investigation but suddenly closed my account citing 'security reasons ' and Terms of Service . I need help resolving both issues reclaiming my account access and reimbursing the disputed amount. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

KIA MOTOR FINANCE is violating FCRA FDCP TILA statutes. I XXXX XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I am contacting you the Consumer Financial Protection Bureau to oversee this complaint and enforce the laws created and sanctioned by your organization and the United States. In this matter the Unites States is, according to 28 U.S. Code 3002 ( 15 ) ( A ) a Federal Corporation This complaint is being addressed to the CFPB the regulatory body that enforces Regulation M. The actions required in this complaint are to ensure that KIA MOTORS FINANACE and their representatives make recompense and or pay redress and compensation for their trespass against me. 
The Exhibits labeled A through G-1 in this complaint shall prove that Kia motor finance is violating FCRA FDCP statutes. Kia Motor Finance has had 8 separate occasions to address my ID theft report in affidavit form concerning a fraudulent account that is reporting on my consumer credit profile. Violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i : 12 CFR 1013.1 - Authority, scope, purpose, State of California CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a XXXX year end statement for a month now from SunTrust. I paid off this loan to refinance with another lender in 2020. I went to their website to download or view my XXXX. Since the loan was paid off there were no loans showing on their site. I called into customer service for assistance. They advised that since the loan was paid off I couldn't view by statements or documents. I asked if they could see my XXXX and they advised no since loan is paid off. I asked if mine will be mailed and they advised not getting one since the loan is paid off. This is not true as I paid interest during 2020 when they services the loan. I hung up and called back a few days later. When I called again I was on hold for 45 mins before getting a rep. This rep advised they were mailed out but couldn't prove mine was ever sent. They would not issue a new one and as used to call back after XX/XX/XXXX. I have no proof that one was ever sent to me. I have to call in again to try to obtain something that I should be able to self serve.
Product: Checking or savings account

On XX/XX/2020 I had a deposit clear in my chase account after the 10 day hold ( it was a large amount ) and become available in my account which I have photo evidence of only to have my account then locked and access to my funds denied and withheld even after clearing the 10 day hold with no problem whatsoever then after closing my account still having denied me access to any of my money they sent me a check for {$18.00} instead of the {$230000.00} that was in my account at the time of closing and I also have my final statement from chase showing a closing balance of {$230000.00} not the {$18.00} they sent me and further more it clearly states in black and white on my final account statement the last transaction was XXXX check charge for the amount of {$230000.00} yet to date and its now almost XXXX I have still yet to receive that check they made for {$230000.00} nor any explanation as to where it is and why I havent received it or any of my money that was in the account at the time of closing Ive called and called Ive gone to multiple branches and Ive been left with more questions nobody will help me and frankly as a whole JPMorgan Chase has overall been rude and disrespectful to me not helpful or honest at all and extremely unprofessional at any level I dealt with how they can do this to somebody is beyond me and absolutely ridiculous thing to do
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$72000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX/XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # 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
Product: Debt collection

The company name they say is XXXX out of South Carolina They keep call on different phone numbers and threatening to sue for a depth that I took out which I never did and when I ask for the paper work they keep saying that will be provided by the court. and they are harassing my family by calling my kids, my wife even calling my wife at work and a XXXX and telling all of them that I will be sued in court if they do n't have me call them back I have check on XXXX and with the XXXX XXXX and I ca n't find any information on this company so I believe it to be a harassing scam. No legitimate company know to not call work or a federal government place and harass people
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX Open Road Lending inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of Open Road Lending and XXXX XXXX. So I contacted Open Road Lending and XXXX XXXX  who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.