23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion is still reporting 3 accounts that are in my ID theft report, these 3 accounts are fraudulently open and they have to delete from my credit report, the accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX  I opened a line of credit for XXXXXXXX XXXX XXXX. This line of credit was through Fortiva. This was not a credit card. It was purely for the equipment. Recently, I checked my credit report and I saw that the line of credit had been closed and a Fortiva Mastercard account had been opened ( with the balanced transferred ). This caused my credit score to drop nearly XXXX points ( I am trying to buy a house, so it looks like I took out a credit card and I did not ). I called the company and they explained that they sent out a notice and if the customer did not respond the account was automatically switched. They also sent out an email, however, this email was deactivated. I have not had any interactions with this company because my bill is on autopay. I did not receive a paper notice. My bills are electronic ( assuming because I do not receive mail from them ). 
I have not bothered with it since it is on autopay. 
I paid off the remaining balance and expressed that this was for the closed XXXX  account and not the Fortiva credit card that I did not apply for or want. After talking to a manager, it seemed that it was alright, ( although they were very pushy in wanting me to keep this account- sayings like, " are you sure, you can use it anywhere ''. Again it was not my desire to have another credit card as I am trying to get myself into a position to buy a house, which I should have been there, but this has caused a setback. I am now waiting another 30-60 days for my score to update so I can continue looking for a home. 
I got another call today and they said that they can not remove the credit card from my report, they can only close it. After research online, this is not a new thing with Fortiva. Just bad business.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be deleted. 

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

Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.
Product: Debt collection

I have been trying to satisfy a collectio n with Fox Collection company for {$91.00}. This collection was originally a bill from a   XXXX   office, that I did n't know existed. The  XXXX  office may have tried to send me a letter, but I had moved houses and never r eceived anything. No further attempt was made to me, nor did I realize I owed any money. Now the Fox Collection Center in Tennessee owns my {$91.00} debt from  XXXX /2015. I found out about this collection when a mortgage company ran my credit. Because it was medical related, I was told by the mortgag e company that I did n't have to pay this prior to closing, but it may be be wise to look into it further and try to have it deleted. I called Fox Collection Center, and they told me that they do not have a company po licy to delete collections if they are paid. Based on my research online, if the collection is not deleted, that the updated, paid, collection will actually bring down my score. I find it very frustrating that they are not willing to help me settle my debt for a {$91.00}   XXXX    bill I knew nothing about. Personally, I find it criminal for a collection company to do something like this. I have read a lot of reviews about this company on google and yelp, there seems to be more frustrated people besides myself. That 's why I 'm posting a compliant to you, the CFPB. Please help me understand if they are allowed to keep this collection on my account to hold againist me for future purchases, or if I should be allowed to have it deleted.     Thank you
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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.
Product: Bank account or service

On XXXX XXXX Bank of America foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account under XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 51681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( ) IN GENERAL Subject to subsection ( c ) any consumer reporting ageney may furnish a consumer report under the following eircumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to fumish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( A ) Subject to section 16815-3 of this title, any.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 91692g violations Fair Credit Reporting Act 15USC 51681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 91681n ]
Product: Debt collection

A debt collection company, NCB Management Services, somehow got a hold of a relative on XX/XX/18, after I had already spoke with them on XX/XX/18. They provided my relative with information that should not have been provided to them. They told them that they were trying to contact me for a debt collection and even provided them with the amount of the collection and what it was from. This information should not be provided to anyone other than me.
Product: Payday loan, title loan, or personal loan

They say that they told me of the APR of 561. They did say that I would pay {$410.00} a month but did n't tell me that it would be for almost a year and that I will be paying {$4000.00} all together for a loan of {$950.00}. It was n't until the third month that I got the break down of payments and found out that I will be paying {$410.00} a month until X/2018! 

I can not afford to pay that for that long. When they said it was {$410.00} a month I thought it would be for 3 months. 

When I called them I was told that I knew that I would be paying {$4000.00} for a {$950.00} loan. I would have never agreed to that. 

They wo n't help me at all.
Product: Mortgage

FAILURE TO EXECUTE CONTRACT AS WRITTEN DOUBLE DIPPING & FRAUDLENT RECORD KEEPING 1. The executed loan modification agreement specifically states on page XXXX ( Please see Exhibits XXXX & XXXX ) that {$170000.00} of the loan amount is eligible for forgiveness, and that the lender shall reduce the {$170000.00} ( deferred principal reduction amount ) by one third on each of the first, second and third anniversaries of XX/XX/XXXX provided that I am not in default. And, I am not in default. 
2. OCWEN failed to apply the reduction on XXXX/XXXX/XXXX per agreement. ( Please see Exhibit XXXX ). 
3. OCWEN again failed to apply the reduction on the statement for XXXX/XXXX/XXXX. ( Please see Exhibit XXXX ). 
4. The Deferred Principal Balance is scheduled to XXXX OUT on XXXX/XXXX/XXXX, but OCWEN 's XXXX XXXX statement still shows the deferred principal balance in the full amount of {$170000.00} ( Exhibit XXXX ). 
5. A XXXX was issued to me for XXXX tax year in the amount of {$170000.00} and a loss was not doubt claimed by the lender even as the lender stands to demand another {$170000.00} from me. 
6. This is DOUBLE DIPPING and it is illegal. 
7. All these show that OCWEN continues to violate its agreements with the regulatory agencies and attorney generals of states and continues to defraud its loan holders.
Product: Credit card

On XX/XX/, I filed a dispute with American Express related to an incorrect charge. I was significantly overcharged by XXXX for a car rental ( in which the car broke down and I was without transportation for several days ) and provided extensive documentation to American Express ( including my original XXXX contract, copies of my communication with XXXX, and photographic evidence ). I did not even dispute the entire amount, simply the amount I was overcharged. ( The charge on my card was XXXXXXXX XXXX XXXX  I asked for a refund of XXXX euro. ) On XX/XX/XXXX I received a letter from American Express, written in broken English, saying that my dispute was denied. They provided no meaningful explanation and the only supporting documentation they sent was an invoice from XXXX with incorrect charge amounts, and a copy of a pre-rental damage inspection report ( XXXX is not claiming that I damaged the car ). 

I called American Express back on XXXX  and spoke to a representative who agreed that the dispute did not seem to have been resolved correctly and offered to re-open the dispute. 

I received a follow-up letter on XX/XX/, stating ( again in broken XXXX ) that my dispute was again denied. They again provided no meaningful explanation and simply included the same supporting documentation from XXXX that was nonresponsive to the dispute. 

I called again on XXXX to ask for further explanation of why the dispute was denied. The representative stated that there was no point in further pursuing the dispute as XXXX already had the money and there was no way American Express could get it back.
Product: Credit reporting or other personal consumer reports

As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccrate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete immediately :
Product: Credit card

I opened a Bank of America credit card with a 0 % introductory rate. The rate was due to expire on XX/XX/year>. I received a statement on that date with no interest charges and a purchase balance of around {$6700.00}. I paid the entire statement balance by the due date and then was charged over {$80.00} interest. I had the exact situation with a XXXX XXXX card, and I paid the entire balance after the rate expired. Since the purchase balance was paid in full, I was not assessed any interest. I do not believe the interest charge by Bank of America to be fair since I paid a purchase balance not previously assessed finance charges by the payment due date. I called Bank of America and they have refused to rescind the interest charge. They claim the interest charge is appropriate and properly disclosed. I do not agree that it is properly disclosed. It is confusing and contradictory at best. The mere fact that two large banks handle the situation differently, despite similar disclosures on interest calculations, supports this position. I believe that Bank of America intentionally misleads consumers in order to collect these charges.
Product: Credit card or prepaid card

On XXXX XXXX there was a hard inquiry in my XXXX  credit report for a credit card from chase business inc that I did not apply for. I called the credit card and they will remove from my credit report. They had all my information which is scary. My personal identity has been compromised.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account XXXX XXXX XXXX XXXX account number 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hi, there are a lot of errors being reported on my credit report which has been really frustrating. You keep on ignoring and disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer. This is causing a lot of problems in all aspects of my life, it's taking a toll on my XXXX  health as my new credit applications gets denied due to your negligence.
Product: Checking or savings account

I have been accused by my bank of fraud activity since XXXX I had my account I use it to get pay from my job and XXXX from family and friends I never had any warnings from my bank about any activities suspicious and suddenly they just closed it with out any additional information i understand i may not be able to use the same account again but I need a new account to get paid from my job if I ever do anything wrong I will take fully responsibility my account been closed since XX/XX/XXXX I got bill automatically with my account I don't know what should I do cause that's prevent me to get any account from any other Bank I need to know what is the cause of this
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

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: Checking or savings account

My debit card, credit card, vehicle, and ID were all stolen from me on XX/XX/18 going into XX/XX/18. I was in XXXX XXXX for the next few days and a women stole my card along with my debit card number. All of my transactions from XX/XX/18 to XX/XX/18 were not me aside from one drink at tropical isle on XX/XX/18. 
I have two case numbers for two different amounts. The first is XXXX and the amount was XXXX. The second is case number XXXX and that amount was XXXX. I called and made a police report later when when my parents drove from Fl to XXXX XXXX to get me several days later. Police fraud phone number is XXXX XXXX XXXX. The officers name is officer XXXX badge number XXXX. The case number is XXXX. I was on several different news stations along with the XXXX Fl police department posting missing posts about me. I also have chief XXXX XXXX number which is XXXX. My number is XXXX. All I got back was an email with a do not respond saying that they didnt believe any fraud happened. I have several cops, and proof of my stuff being stolen so I dont understand how they came up with that assumption. My stolen car case number is also XXXX.
Product: Credit reporting or other personal consumer reports

Secured credit card was paid amount due on account balance and account was to be closed leaving the {$500.00} security deposit to cover any additional balance or to be refunded to me and neither was done. XXXX XXXX XXXX XXXX XXXX has been reporting the account as a charge off with unpaid balance while keeping my security deposit for XXXX XXXX now negatively impacting my credit. I have reached out to XXXX and all XXXX credit reporting agencies as the errors on the reported amounts are obvious but no change has been made to correct this.
Product: Student loan

I have been working with Mohela on my student loans for the past 8 years. I am a public school teacher with 2 consolidated loans ; one for {$13000.00} and another for {$52000.00}. 
I was on an IDR plan for PSLF until 2020 when all payments were paused. With only five years left for PSLF, I was not given an option to continue making payments during 2020 so that they would count towards it. My assumption was that those months would still count but they did not. That information was not posted on their website. I would have been forgiven by now if they had provided the information and given me a choice to continue repaying. I recently called to be placed back in an IDR plan. However, I am also enrolled as a full-time student and was automatically placed again on a " school deferment ''. There is no option online to be placed back into an IDR to make payments again. The only way to do it is by calling and waiting for hours on the phone. It should not be this difficult to be placed on a repayment plan. Students want to make payments towards their student loans but Mohela is restricting their freedom on doing so by having a system that places barriers and makes it more difficult than it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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: Credit reporting, credit repair services, or other personal consumer reports

It stares i opened a Victoria secret store card but i never opened one
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.