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

I saw a 30 day late payments on my XXXXXXXX XXXX XXXXXXXX XXXX Credit Card account today which is inaccurate. I called in to see about the late payment and I was told that I hadn't made a payment since XXXX. If this was true, since this is now XXXX, the payment would definitely be more than 30 days late, maybe even 60 days late. So they aren't reporting correctly. I believe that automated system has a glitch in the system because of the way it was behaving today while I was on the phone. All XXXX companies, XXXX, Equifax and XXXX are data furnishers who definitely reported inaccurate information as well, that I never gave them permission to even report. My signature isn't even on any paperwork giving them the authority to report any of my personal information. On today, XX/XX/year>, I was told over the phone by a representative that my next payment was due in XXXX. But when I listened to the automated system, it says that my next payment is due on XX/XX/XXXX and that I owe {$160.00}. So because I didn't want another late payment to go on my report because I didn't trust what the representative was saying, I did try to make that payment this morning because I don't trust them or the automated system now. However, I when made an attempt to make the payment since it's so close to the XXXX, the automated phone system said it was having technical issues and difficulties today today and I was unable to make a payment by automated means or by a representative over the phone. I have every reason to believe that when I made payments in XXXX and XXXX that there could have been issues with the automated phone system where it may not have worked correctly, because it definitely isn't working properly as of today. My payment is current and up to date. My credit reports were stellar before this incident. Now my credit scores have dropped due to this fiasco. The late payment that showed, said that it is {$110.00} past due as of XX/XX/year>, and I made a {$200.00} payment on XX/XX/XXXX. So I am definitely current. Now on these facts alone, I am requesting that the late payment that shows across all XXXX companies that furnished their data be required to update the XXXX XXXX XXXX XXXX late payment to paid as agreed and have the late payments to be removed from all XXXX data furnishers... XXXX, XXXX and Equifax. The automated phone service and representatives don't have accurate or adequate reporting information and they aren't reporting correctly either. Nothing is adding up and I shouldn't be made to suffer the consequences from these actions. XXXX, Equifax, and XXXX are also reporting inaccurate information. The FCRA states that I have the right to dispute any inaccurate information reporting erroneously, and it shall be removed promptly. I'm requesting that all records pertaining to my XXXX XXXX XXXX Credit card account should be updated as paid as agreed with no late payment showing.
Product: Debt collection

USBank collection company representing this bank is calling my family and myself, threatening to garnishment my check for my job. The information is completely different from my personal information, name that I never had. They claimed over {$3000.00} from XXXX. Scams are controlling our life our future. My personal information had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Capital Accounts, on at least three occasions, to sent me a detailed statement of account which shows : Date of Services Detailed Services Provided Insurance Payments ( XXXX XXXX ) Received My payments received So far, I have not received any of the above information
Product: Credit card or prepaid card

This complaint is on the credit card practices of Kohl 's department store and the attempts made to report fraudulent activity. On XX/XX/XXXX, I received a notice from Kohl 's department stores ' fraud investigation team regarding an application using my social security number. I contacted the team immediately to report that I had not applied for credit and that the activity was fraudulent. They asked for me to provide personal details such as name, address, last 4 of SSN in order to open a case. I refused to provide that much detail and they suggested as an alternative course of action that i report the activity to the credit bureaus and establish a credit freeze. I ended the call and promptly contacted one of the credit bureaus to report fraudulent activity on my account. They provided a confirmation number and i received messages from all three bureaus noting the fraud alert was in place on XX/XX/. After this time i received an order of pants from Kohl 's and i contacted them again to report that this is fraud and they issued a return merchandise order. The order was picked up by XXXX around the XXXX. 

I just received a bill from Kohl 's with several hundred dollars in charges on this fraudulent acocunt. I called their fraud line again and tried to report this case as fraud, but they insisted on collecting all my personal information. I provided my name, address, and last 4 of the social security number and they insisted on having my email address as well before they would open a fraud ticket. I was very reluctant to provide this personal information in the first place and refused to provide the email address. I requested to speak with the service rep 's supervisor, but she refused to do so without me providing all my information, e.g. email address. I also asked for them to provide me with a mailing address to their president and they refused to provide this information. 

In this day of information security breaches, these company 's should not be asking for my personal information to load into their systems. I am trying to do them a favor and notify them this is a fraudulent account, but they won't take action or open an investigation and cancel the account so they don't incur any additional charges. It is unconscionable that they should be able to operate in this manner and i will take legal action against them if they damage my credit standing after the attempt i've made to remedy this situation. 

I specifically ask for the CFPB to take action against this company and other credit card vendors to establish rules around the information they are able to collect from honest consumers reporting fraudulent activity. The company 's should not be able to gather and retain this information only for their benefit and continue making arbitrary rules to collect even more information from victims of fraud.
Product: Mortgage

i submitted a short sale to ocwen on XXXX-XXXX-15all financials and the package was complete they even said it was. 
i went through heck working with ocwen trying to get them to approve the current offer submitted to the bank, it is like they do not listen or like XXXX or something. I do not understand how they can have me foreclose because there is not enough time. 
question ocwen : does it take 60 days to determine that there is not enough time. maybe if you processed the paperwork in enough tie we would have more time to market the property at your ridiculously overpriced value of 110,000. my home is in XXXX. it is valued at about 50,000. please help me to get the foreclosure date postponed it is set XXXX. 
i do not know what to do. 
they are forcing me to foreclose. i live in this house lost a job have no money now i will be in the streets, this is crazy. i thought Obama had programs for me like hafa? hey ocwen did you conduct an appraisal for my HAFA application?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and Equifax ). The data across the other credit bureau are not  consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.
Product: Debt collection

I need clarification as to why is Convergent Outsourcing threatening to hurt my consumer credit report by reporting inaccurate information on my consumer credit report. 

Last activity showing on XX/XX/2021, Nothing is showing for XXXX and XXXX.
Product: Student loan

Mohela is awful and Id like to switch servicers if at all possible. I called in XXXX to switch my payment plan from Graduated to Standard, to which they said the started processing and would take 5-10 business days. Nothing happened, so I called back a month later and they said it didnt go through since I was paying more than I need to on my loans. So I asked to remove Pay Ahead status to process the payment plan change. They said they would. I have now called back 4-5+ times since then and after HOURS wait time on each call, they keep saying they need to remove pay ahead status and they would expedite/escalate and NOTHING HAS HAPPENED. 

I am now wasting months of being able to pay more of my loans off, and I cant add extra because that will risk going into pay ahead status which is the apparent issue in the first place. I am incredibly frustrated.
Product: Credit reporting or other personal consumer reports

Ive had a on going issue with GM financial in regards to my account being set up on automatic payment. I was told it was done and it never happened. Then they said they tried calling me to inform me of a late payment. This did not happen. Its very frustrating as they have place all blame on me stating Im completely at fault for the account not being set up. Its unfortunately as Im not computer savvy and they made it out like I dont pay my bills. Ive become very stressed over this. As you can see my credit has been impeccable over the last XXXX years. 

I hope you can help. 

XXXX XXXX
Product: Checking or savings account

Went to the XXXX XXXX In XXXX on XX/XX/2024. There was a {$150.00} damage deposit paid. My card was only authorized for this use. The {$150.00} never was returned even after we checked out hotel. Then there was an additional {$94.00} charged then and additional {$57.00}. When I tried to dispute the charges Huntington claimed the {$150.00} charge never happened. The general manager sent a receipt showing that the charge did happen .even after sending this in Huntington refused to return money. They changed my statements multiple times to cover up and wouldnt let me report this as fraud. Huntington refused to close my account as well.
Product: Credit reporting or other personal consumer reports

Equifax is reporting 2 DIFFERENT dates of last payment. This is a report error and this is INACCURATE reporting! 
Date of Last payment show XX/XX/2024 and XX/XX/2024. Equifax can not report different dates. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was offered and accepted a position of employment by XXXX XXXX to relocate from XXXX, MO to XXXX, CT. Upon acceptance, I was informed that First Advantage would be conducting a background check. The company then provided XXXX XXXX with some very bizarre information that resulted in the termination of my employment agreement. Listed below XXXX ) Employment Gap of 1840 Days. I have never had an employment Gap until closing my business on XX/XX/XXXX. I began the hiring/training process with XXXX XXXX XXXX XXXX. 
XXXX ) Alias or other names used XXXX XXXX XXXX. My full name is XXXX XXXX XXXX. I have never used any other legal name. 
XXXX ) Social Security year issued XXXX. My Social Security number was issued in XXXX. 
XXXX ) XX/XX/XXXX We did not contact this above-name entity per subject/client request. ( This is untrue and never happened. 
XXXX ) Employment verification was made using phone numbers to businesses in similar fields though I had never worked for them. Those businesses for that reason were unable to verify employment. 
I also didn't realize that a background check was an employment, education, etc check. This company was trying to call on education certifications and former employment to which they were unable or told that those records could not be released only by myself. 
This company as I have learned is outsourced and agents speak very broken English. I have made multiple attempts to correct my background through appeals without success. The result is I have relocated my entire family over 1800 miles to receive a employment withdrawal from XXXX XXXX on the very day we moved on XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found unauthorized hard inquiries that contradict 15 USC 1681c-2. Please address this issue by removing the inaccurate entries.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective, measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric 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 card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE On XX/XX/XXXX ... I ordered a $ XXXX-Flashlight ( XXXX XXXX ), ON SALE! 

using my Debit Card ( checking acct. ending in XXXX. 

HOWEVER, on XX/XX/XXXX ... 
XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE POS * {$49.00}. 

*CHARGED my DEBIT CARD, ''again ''!! THAT WAS NOT AUTHORIZED, BY ME, AS I PAID IN FULL, FOR $ XXXX-ON XX/XX/XXXX. 

Please get my $ XXXX-BACK ... ( into my account at ''BB & T Bank '' ... I CONTACTED ''BB & T '' BANK, & THEY TOLD ME, THEY COULD NOT HELP ME ... which is now XXXX XXXX. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed 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. 

15 U.S.C 1681 C, ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I've tried to resolve an issue with Equifax not reporting my accounts on my credit file. I've tried to resolve the issue with Equifax and have been lied to by 2 Equifax agents who said the problem was resolved. My last complaint was in XX/XX/2023. Equifax said they couldn't find a file for me but the issue is Equifax isn't reporting my accounts. I have lenders such as XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX  which have verified that they are reporting accounts to Equifax. I sent my state identification, social security card, and proof of address to Equifax on 3 different occasions and Equifax still has not created a file for me which should already exist. This is nothing but an unwillingness on Equifax part to not resolve an issue that shouldn't exist. the only thing Equifax does is continue to ask me for copies of my identification but there is not a representative from Equifax who takes one second to see what the problem is or how can it be corrected.
Product: Checking or savings account

on XX/XX/XXXX a fraudulent charge was made on my CHASE debit card for XXXX $ at a XXXX  gas station in XXXX, CA at XXXX. 
less than 20 mins from the charge being made i called CHASE and reported the charge. 
on XX/XX/XXXX the fraud claim was reversed with the reason being that because a pin was used and because the XXXX gas station is within 10 miles of my residence that that charge could not be considered fraud. 

i escalated my claim to the CHASE executive office and I recieved the same denial with the same reasons being stated. 

i almost never shop at XXXX, in my past year of purchases i have a history of 3 other XXXXl transactions, with only one being absolutely sure that i DID NOT make. 
XX/XX/XXXX I DO NOT recall making this purchase -- -- -- -- -- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- XX/XX/XXXX XXXX $ XXXX XXXX -- -- -- -- -- -- -- -- -- XX/XX/XXXX XXXX $ XXXX -- -- -- -- -- -- -- -- -- -- -- on XX/XX/XXXX i bought a gallon of gas to get me home ( i live in XXXX ), XX/XX/XXXX i bought a gallon of gas for a little generator. 
XX/XX/XXXX this charge stands out because i was working in XXXX XXXX but never visited a XXXX  gas station out there. 
Lastly the charge on XX/XX/XXXX came from a XXXX gas station in XXXX i have never visited before. 

the only instance that i had been in that area around that time period was shopping for a car at a small private car dealer diagonally across from the XXXX gas station. 
the car dealer is called XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA I have a feeling that there is a connection between the car dealer and that gas station. 
I gave the info necessary to see about getting approved for a used car and did not follow through in making a deal. 
This is the only time I have been in XXXX recently, other than driving by. 

I HAVE NEVER FILED A REPORT FOR FRAUD IN 8 YEARS I HAVE BEEN WITH CHASE. THIS IS MY FIRST FRAUD CLAIM XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 
, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

There are XXXX hard inqueries on my credit report over the last 20 days XXXX from Wells Fargo Bank and another from XXXX XXXX, none of those were authorized by me.
Product: Student loan

My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Transunion to removed old accounts that date of last activity was 8 years old and they refuse to remove. 

XXXX XXXX XXXX  Date of last activity XX/XX/2011 XXXX/XXXX   Date of last activity XX/XX/2011 XXXX/XXXX Date of last activity XX/XX/2011 XXXX  XXXX XXXX Collection has been paid in full over a year ago XXXX XXXX XXXX Collection has been paid in full over a year ago
Product: Credit reporting or other personal consumer reports

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX  XXXX XXXX XXXX which then Sold my information to Harvard Collection. Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.