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

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/EQUIFAX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XX/XX/XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX/XXXX   account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits  on initial complaint.
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I changed bank accounts and its linked to my old bank account Ive done a support ticket and posted on social media to discover hundreds of others have same problem. Ive responded to the ticket several times and still today my old banks connected and my perfect payment history is now 90 % on time and my credit profile is 30 years thick. 

Late fees and interest charges should be credited I typically take home $ XXXX per week. I also have a credit line with the other bank that would of allowed me to pay this off but they only allow what available balance is in checking account to be paid. So I was forced to make dozens of small payments because they take over a week to withdrawal
Product: Money transfer, virtual currency, or money service

I am filing a complaint about 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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I entered in a settlement agreement for XXXX in XX/XX/year>. 
I want to express my sincere intention to repay my debt and resolve this matter amicably. Unfortunately, after attempting to make the required payment of {$1600.00} for the three-month settlement plan, I was informed that the agreement has been canceled. This news was unexpected, and I am truly concerned about how to move forward. 

Today, I also attempted to pay the settlement amount in full, but my payment was not accepted. I am just trying to pay the settlement and clear my debt with Capital One, and I genuinely want to fulfill my obligation and avoid any further complications.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX Account # : Account Description : Account Rating : Account Status : Account Type : Balance Owed : Closed Date : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : Dispute Status : High Balance : Last Payment : Last Verified : Past Due Amount : Payment Amount : Payment Frequency : Payment Status : Term Length : Loan Type : TransUnion XXXX Individual CollectionOrCharge Off Closed Revolving {$0.00} -- XXXX DISPUTE RESOLVED REPORTED BY XXXX Banking XXXX XXXX XXXX NNN {$580.00} -- -- -- -- -- XXXX XXXX XXXX -- -- -- {$0.00} -- -- -- -- -- XXXX XXXX XXXX
Product: Debt collection

This active debt is enrolled with national debt relief and I have been in the program for over a year and paid over {$3000.00} to this debt management company as they have this enrolled and this third-party company has a representative name XXXX now harassing me and making repeated phone calls For this debt that is already being managed and represented by national debt relief
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states " a consumer report agency can not furnish an account without written instructions.
Product: Credit card

I had a balance of {$700.00} on my AMERICAN EXPRESS credit card. I made a payment of {$200.00}. and somehow my balance was {$590.00}. I do not use the card so I was skeptic of my balance. I called AMERICAN EXPRESS and a customer care person explained my balance. I accepted his explanation. The problem I have is this : Two days later my balance was {$790.00}. I called AMERICAN EXPRESS several times and contacted them online. I was told they ( AMERICAN EXPRESS ) charged my AMERICAN EXPRESS card, ( called a adjustment ) for {$200.00} and were sending it back to my checking account.? I did not authorize a charge or adjustment to my card. I merely inquired about my balance at {$700.00} to {$590.00}? This is what happens with AMERICAN EXPRESS customer service, do n't ask no questions.
Product: Credit reporting or other personal consumer reports

I wrote XXXX, EXPERIAN XXXX XXXX requesting an investigation into items that are reporting in Violation of FCRA and FDCPA Regulation 's on my credit report. To XX/XX/year>, I have not received a reply from them pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracyTransport Services or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information to XXXX, EXPERIAN XXXX XXXX. I have responded again on XX/XX/year> and request that you reply within a reasonable amount of time. Since this is my 3rd request, I've made sure to also send a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. THESE INACCURATE ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY. 

XXXX. Validate this non XXXX XXXX compliant account. XXXX Account Number : XXXX XXXX. Delete this account because of potential HIPAA violation I did not give consent for my medical records to be given to a third party XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX system are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ).

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

By statement dated XX/XX/XXXX, PHH Mortgage Services ( " PHH '' ) together with XXXX XXXX ( " XXXX '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by XXXX XXXX pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : XXXX on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. By statement dated XX/XX/XXXX, PHH and XXXX are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : XXXX ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 )  conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. Despite my repeated notices forwarded to PHH and XXXX over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by PHH, XXXX, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. The actions by PHH, XXXX, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a my credit report with XXXX and noticed this MoneyLion Inc has still been reporting negatively after a bankruptcy filing in XX/XX/XXXX they been continuing to report up until XX/XX/XXXX when I notified the company they insisted the information they were reporting was accurate I then contacted XXXX about the issue and again they verified the information is correct. To my knowledge this is a violation of FCRA both creditors and bureaus have an obligation to report only accurate information. This is a closed account and was included in a XXXX XXXX Bankruptcy which was successfully discharged if I'm not mistaken this can be seen as a violation of bankruptcy law as well as this can be seen as still attempting to collect on a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number ... 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. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability recovery and XXXX XXXX XXXX  are working with XXXX XXXX XXXX and keep restarting my time from medical bills over 7 years ago I would like them removed but they wont remove them I have disputed these 4 hit several times and each time they start me over please help with getting this removed its so unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXXXXXX to remover this fraudulent account from my report. I am a victim of identity theft by data breach. I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and asked to closed this account that I did not consent to account being opened. It was finally closed on XX/XX/XXXX with XXXX balance. XXXX XXXXXXXX XXXX XXXXXXXX has refused to removed fraudulent report from my credit report. I have disputed this account on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I HAVE SENT NUMEROUS DISPUTES, POLICE REPORTS, ETC. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IT IS FRAUDULENT AND I DID NOT CONSENT TO THE OPENING OF THIS ACCOUNT.
Product: Checking or savings account

I had several transactions for unauthorized purchases. The money used to make the purchases was moved from our savings account to checking and paid with by debit card. We have since then closed the checking account, replaced the cards and added a freeze to our credit report. 

We have submitted 4 disputes to the bank for the transactions in question. Three of those disputes were approved withing a day or two. The balance of our money however has now been denied twice. The three disputes approved where used with the same merchant, same card and same bank accounts. 

I have filed a report with the Police and also working with XXXX to verify that these charges were unauthorized. I am attaching all the documentation provided to both Truist as well as XXXX. 

Not having these funds replaced by Truist has put us in a financial strain. We have been trying to resolve this for almost 2 months to date. We need a resolution as soon as possible as we have bills that are late. 

I have attached all supporting documents provided to Truist.
Product: Checking or savings account

I deposited money into the ATM. XXXX deposits and they only counted XXXX out of the XXXX deposits made. Filed a claim and got denied and yet they still claim that I did not deposit
Product: Student loan

The company XXXX XXXX or XXXX XXXX is extremely predatory. They put my loans into multiple websites that require different logins. This is unacceptable behavior that prohibits proper tracking of payments and effects peoples ability to properly pay untime and effect their scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$5000.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00}
Product: Credit reporting or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE NO OPEN ACCOUNTS WITH ANY OF THE FOLLOWING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. FURTHERMORE, I HAVE NOT RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX HAVE NOT USED THE NAMES OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I AM NOT EMPLOYED WITH XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am unable to access my Equifax account information via the website. https : //my.equifax.com/membercenter/ # /login I am routed to a webpage instructing me to call Equifax to process requests. I am unable to get a person on the phone. I sat on the phone for more than 40 minutes, twice. 

I am unable to manage my credit security effectively which means I am unable to apply for any loans, etc as many businesses use credit reports for decision making. 

I am not the only person with this problem. I went to the Equifax XXXX page where I found many more people experiencing the same problem. 

Equifax is holding my information hostage and is giving me no reasonable course of action to access it and/or control it.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report an identified that I am a victim of identity theft.
Product: Debt collection

That XXXX needs to be deleted immediately and showing paid in full not a charge off this company wouldnt provide a XXXX form or honor my gap coverage stealing money numerous times
Product: Credit card

Due to XXXX  identity theft and XXXX  on my person, there are fraudulent charges in the XXXX  on US Bank credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, ; XXXX XXXX ; XXXXXXXX XXXX ;
Product: Credit reporting or other personal consumer reports

I ask the company several time to remove inaccurate information and the refuse too, I submitted a dispute serval times with supporting documents that this information was false only to have this remain there
Product: Mortgage

Wells Fargo Mortgage Settlement is what I am waiting for. They contacted me 5 months ago that they would let me know if I was eligible. Have not heard from them since. I should be eligible. They had me send in 3 sets of paperwork before foreclosure. They gave me the run around.
Product: Money transfer, virtual currency, or money service

Somebody got a hold of my paypal account and my phone. They made like 7 charges totaling 600-700 dollars. I reported to paypal that these were unauthorized charges. They told me they weren't. I'm affirming to them that they were unauthorized, but clearly they don't know. I just want my money back.
Product: Mortgage

My home was foreclosed illegally by Bank of America XX/XX/XXXX. I had requested a short sale, and modification. The papers for the modification were sent to me to send back but the foreclosure was done before the date to return the forms. Squatters had taken my home and refused to move out. I reported the squatters to B of A. They refused to do anything. I called the bank more than XXXX times trying to advise them of the squatters. The house was foreclosed and legal action was taken against me to get the squatters out. I have eviction actions on my name at the court house and I did not receive any notifications of the actions taken. I have just recently seen all the legal actions processed in my name when I was denied another credit rental action. The squatters moved into my home in XX/XX/XXXX and stayed there until XXXX or XX/XX/XXXX. I asked the police to evict them. They refused because Bank of America said it was their house and it was their responsibility to get them out and not mine. The squatters damaged the home. They stole all of the copper and the air conditioning unit. The house was infected with roaches and holes were in the walls. I have been charged with all the damage and my credit record is showing evictions I was not responsible for. I had processed a change of address but did not receive any notifications. I had requested assistance but the different depts. were not letting each other know what they were doing. My modification was being processed the same time the foreclosure was being processed. I called the attorney for B of A and was told the foreclosure was sealed. I called B of A and was told my short sale was possible and another dept had me set up for the modification and I lost m house on XX/XX/XXXX. What can I do? The process was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already tried to dispute is but their saying a authorized the credit pull which I didnt. I dont even own a car