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

false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Product: Checking or savings account

Chase Bank froze my account and did not fund the checks and auto payment we made without informing us. This caused our car lender to report us as late payment to the credit bureau resulting to a damage credit score. We were on the call with Chase bank on XX/XX/XXXX and on XX/XX/XXXX. We were also at Chase Bank branch on XX/XX/XXXX to request for a temporary ATM card. During those times nobody informed us that Chase will stop funding all our payments. I only found out that Chase was not funding my check when my car lender reported us for late payment on XX/XX/XXXX. I was at a Chase Bank office on XX/XX/XXXX and XX/XX/XXXX to clarify what was going on. All I can get for an answer was that our account was frozen and that nobody could explain why. Attached is a copy of the bank statement that shows unfunded payments.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to customer service and unfair practice which violates 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 solution 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

on XX/XX/year> i sent notice to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX Bankruptcy XXXX that i was OPTING OUT of any credit reporting, and any implied permission was revoked, i also put the credit agencies on notice as well on XX/XX/year> both failed to comply and allowed reporting without my written permission The following references in the FCRA and related laws support my request : 1. **FCRA Section 604 ( a ) ( 3 ) ( F ) : ** This section explicitly allows consumers to opt-out of the inclusion of their information in credit reports.

2. **FCRA Section 623 ( a ) ( 2 ) : ** This section mandates the reporting of accurate and complete information, and I assert my right to control the accuracy of information related to my credit history.

I request that you promptly update your records to reflect my opt-out status and cease any further reporting of my personal information to credit bureaus within 10days of receipt of this notice. I also seek written confirmation of this action, specifying the date by which the cessation of reporting will be completed. Failure to comply will subject you to penalties in accordance with : 1. **USC Title 15 1681n : ** this code outlines the damages the consumer is entitled to in regards Civil Liability for Willful Noncompliance by the data furnisher. 
2. **USC Title 15 1681o : ** this code outlines the penalties and definition of the Civil Liability for Negligent Noncompliance .

3. **USC Title 15 6805 : ** this code outlines my right to Enforcement if you fail to follow the instructions and the law.
Product: Payday loan, title loan, or personal loan

I have been reaching out to this company via email and phone for a few months requesting an accurate payoff. They keep giving me an amount that I disagree with and they will not tell me how they are reaching the amount of {$870.00}. Per a phone call, I was told it did not include accrued interest, but that is all they would say. I have requested numerous times for a reasonable payoff but they are not interested in discussing this. Every email I send, they only respond with " please give us a call. '' Those phone calls go nowhere. I have asked for written confirmation by responding to, and answering my emails. Monday, XXXX XXXX I called them, per their email response and I asked to speak with someone that could assist me in getting this resolved. The representative gave me their disputes division email address, in which I have emailed three times and I have not received a response from them. I have also requested they remove the charge-off from my credit reports because I have been trying to resolve this and pay it off since before they reported it as a bad debt. I have also pointed out that they have reported to the credit agencies the incorrect original balance. The original balance, and the amount they deposited into my bank account was for {$800.00} on XX/XX/XXXX. They are reporting it as {$1000.00}. I have made a total of {$210.00} payment against the {$800.00}. I can understand interest. However, unless they are willing to justify the {$870.00} payoff, I disputed that. Per the XXXX phone call, the representative suggested I log into my account to review the contract. I told her that my login information is not working, and she did not assist in correcting that so I could log in. My last email dated XX/XX/XXXX, I have requested a copy of the signed contract and correction to my credit reports, along with a reasonable payoff amount and breakdown of how they are coming up with the {$870.00}. Trying to get an accurate payoff and/or explanation of a payoff higher than the loan itself should not be this difficult. I have consistently acknowledged this debt and I have consistently been trying to get it resolved and paid off. I need this information corrected on my credit reports, as it is preventing me from taking out a mortgage. I need the original balance corrected to {$800.00} XXXX that is all I received from them XXXX and the charge-off removed. I do not agree with being reported as a bad debt since I had been in contact with them consistently since before they reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to manage a security freeze on Equifaxs website for well over a month. When I called in XX/XX/XXXX, I was on hold for over 3 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry on my XXXX Transion account and XXXX they are not mines, I sent multiple letters demanding them to be removed and they are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2019 to dispute several inquiries on my credit report which I believed to be fraudulent, many of which occurred even AFTER placing an initial security alert on my file about a month ago. After providing information for 28 different inquiries, the representative attempted to tell me that the information could not be disputed as " inquiries are factual data, '' and that I would need to contact the creditors directly to dispute the items. I explained that there was no way I had the time to call/write 28 different creditors, and thereafter follow-up to ensure the inquiries were properly deleted. I further explained that I had placed disputes with both XXXX and XXXX regarding similar inquiries which I believed to be fraudulent, and both were willing to take my dispute. This got me nowhere, so I requested a supervisor. The supervisor again allowed me to waste my time listing off each inquiry, only to attempt to tell me that she, also, would be unable to initiate a dispute on my behalf for the same reason : " inquiries are factual data. '' She also wanted me to contact the companies directly. I explained to her that as the credit reporting agency, Equifax has a duty as per the FCRA to ensure that the information they are reporting is accurate. They also have a duty to investigate upon being informed that inaccurate information exists on my report. As I advised her, I do not dispute that it is a " fact '' that my credit information was accessed on all of these occasions. What I do dispute, however, is that these inquiries were authorized by me, because they most certainly were not. Finally, she agreed to take the dispute, and issued me a confirmation number ( XXXX ). Later, I received an e-mail with a copy of my dispute results, dated the same day. The results indicated that each of the inquiries would remain on my report due to it being " factual data. '' Again, I do not dispute that my credit was accessed. What I dispute is that the inquiries were authorized. It is a well known fact that excessive inquiries can not only adversely affect one 's credit score, but also be used as a reason for denial of credit even in the event of a satisfactory credit score. As such, these inquiries need to be removed as they will ultimately adversely affect my ability to obtain credit. The request of Equifax that I contact each of these creditors myself is unduly burdensome. I also note, again, that it is THEIR DUTY as the credit reporting agency to ensure the information THEY REPORT is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 9. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX XXXX  Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently looked at my TransUnion report and per my findings I see some inquires that are not accurate. I called to get these removed and I was instructed to file a report with the FTC. Please see below of the inquires that are not accurate and need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have gone to the FTC website and filed a fraud claim with them in response to the lack of help I have received from TransUnion. As stated before I expect these fraudulent inquiries without permissible purpose to be removed from my credit report immediately. Please see my FTC fraud report submitted to you with this correspondence.
Product: Mortgage

I requested Fay Servicing to close my escrow account in writing upwards of 8 times over the past 22 months. I always pay and have paid my own insurance and property taxes as per the home equity loan contract I originally signed with XXXX XXXX in 2006. I have never signed a contract with Fay Servicing ( or any other company ) agreeing to an escrow account in my name. 
Fay Servicing has not honored the conditions of my contract when they bought it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further.. I have been sending letters to Transunion for months now and I have repeated myself over and over again..The accounts don't belong to me..I know this is an error and I ask you to please have the accounts removed from my credit report asap. XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX now.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Collection account being reported due to identity theft. Account was removed/deleted from TransUnion, then reappeared on my credit report, faulsly.
Product: Credit card

I had {$11000.00}. transferred to my credit card with Compass Bank, as a credit overage. On XXXX XXXX, 2016 I requested {$10000.00}. be mailed to me. As of XX/XX/XXXX the money had not been revcd. I called & was told they would do something better and transferred it to my checking acct - ( approx. within 3 days ) - On XX/XX/XXXX still not recvd. Talked to a supervisor who was not very helpful as to my urgency, but said it would be in my acct the next day which would have been a Saturday, and I questioned that. Well today is Tuesday XX/XX/XXXX and the money is still not in my chck acct. I feel at this point they have made me incur some addtl charges on money I had to pay a worker ( {$56.00} ), ATM fee to XXXX ( XXXX ) to withdraw {$400.00} on XX/XX/XXXX, and a late fee on my water bill ( not yet known, but maybe about {$2.00}. I feel they should reimburse me for these expenses which were incurred to their not returning my money, and maybe even pay me interest same as they would have charged had it been a debit. Also some kind of reprimand so this does not happen to anyone else. Thank you very much.
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX, XXXX who said she was the manager stated to leave. 

XXXX XXXX statement, " you can leave, " ;, " leave ''. 

XXXX XXXX statement stated verbally and behavior, gestured ; was from XXXX, XXXX XXXX, who stated statement that she was the manager. XXXX stated statement she was " not going to give you a refund '' '' Reported : : : : XXXX XXXX threat : : ; : XXXX XXXX came forward and continued to walk forward as a threat. 

Standing in still position. 

XXXX XXXX employee continued to move forward as a threat. 

Asked her to stop. Asked her if she was going to walk through me. 

She moved throwing her body in a direction towards. 

She said she was going around. 

Told her excuse you. 

Reported to XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' '' '' who said she was the manager. '' '' '' After reported threat of XXXX XXXX employee, XXXX XXXX XXXX stated statement, '' leave '' Asked her what law???? 

TolXXXX XXXX XXXX XXXX representatives, XXXX, XXXX XXXX XXXX is wrong. 

XXXX XXXX XXXX XXXX that she is a threat and could not talk to me any more. 

XXXX XXXXXXXX XXXX XXXX representative 2nd representative that room keys were not working and I needed water XXXX continued to talk. 

Reported : :Did tell in XXXX XXXX XXXX was not talking to her and already told her XXXX that she was a threat and could not say anything else to me. 

Told XXXX XXXX that XXXX XXXX discriminated, did not get services paid for and paid up until the XXXX ( XX/XX/year> ). 

Told XXXX XXXX that they were in violation of Federal law, Privacy Act Law, Constitional Rights Act Law. 

Told XXXX XXXX : : : : Privacy Act Law ; ; ; ; XXXX XXXX XXXXXXXX XXXX threat reported, law violations reported. XXXX XXXX did not provide servics paid for, : : :reported. 

Reported : : : :8th amendment violations : : : :Constitutional Rights Act Law Amendment Law violations : : : ; Constititional Rights Act law violations. XXXX XXXX violations. Reported. 

Reported.
Product: Debt collection

i paid with from my tax return of 2017 i mailed in a check and it was deducted from my account. its very unfortunate to just find out recently that it was still on my credit i am really devastated to this and that is why i am disputing this.
Product: Credit card or prepaid card

I have been a customer with this company for over 10 years and during that time, have enjoyed our experience with the company they partnered with Chevron with XXXX visa credit card greatly. Due to your terms and conditions that are not correctly stated, I have had a few returned payments in XXXX of this year.. Since that time I have been an exceptional customer paying every month on time and never 30 days late and never had a returned check/payment. 
I would like them to consider reopening the credit card. At the time of the reversed payments, I used the " one time '' payment method online rather than adding the account number under " bank information '' - The one time payment did not always recognize the account number and only did if I added the XXXX XXXX XXXX  in front of the account number, for example, my account number on my checks is " XXXX ''. All those payments I would pay this way would be returned. After realizing this I added the bank account under " banking information '' no problem and those payments did not get reversed. This is the only card my family uses to get gas. - I was told I could re apply, but sadly it was an instant denial. 
I say this not to justify why the payments were reversed, but rather to show that the reversed payments are not a good indicator of my actual credit worthiness. I hope that Synchrony bank is willing to work with us on re-opening this account also due to the fact nothing about if there are 2 more more returned payments the account will be closed in Synchrony terms in conditions. 
I have been a very happy customer in the past. I hope to continue a long relationship with Synchrony with today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.I hope that they will deeply consider this request and prove once again why Synchrony is above the rest.