23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been a Cash App user since XXXX. In XXXX, I utilized their tax filing service to submit my federal tax return. 

Subsequent to utilizing Cash App 's tax filing service, I have encountered a series of detrimental and potentially discriminatory actions that may violate the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). These actions include : Frequent and unjustified account restrictions : These restrictions have severely limited my ability to access and utilize my funds, potentially constituting a violation of my rights under the FCRA, specifically 15 U.S.C. 1681n, which prohibits the furnishing of inaccurate or incomplete information to consumer reporting agencies.

Repeated denials of eligibility for a Cash App debit card : These denials may be based on inaccurate or incomplete information, potentially violating 15 U.S.C. 1681i, which requires that consumer reports be accurate, complete, and timely.

Recurrent and unexplained account closures : The repeated closures of my accounts within 24 hours of creation suggest arbitrary and potentially discriminatory actions, potentially violating the Equal Credit Opportunity Ac
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly reached out to all this bureau about inaccurate reporting information on my credit report. They did not resolve the issues. 

Experian replied to my disputes via email, which I did not give them permission to do as I sent all my disputes via mail. They only emailed back saying the disputing accounts were verified as accurate. I then proceeded to mail them back asking for validation or method of validation, they ignored my request for more than 30 days. 

XXXX has not notified me of any investigations that I had open, nor did they verify or send me method of verification of any of the accounts I disputed. It has been more than XXXX says since I have started disputing with XXXX Under the FCRA cra 's are required by law to report accurate and correct information. all three bureaus denied me of that right when they ignored my request for accurate and correctly reporting information on my credit report. under section 15 U.S. Code 1681d
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls XXXX XXXX  under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this Information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company Information Transunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$120.00}. XXXX  C acct # XXXX XX/XX/XXXX, {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old item on my Experian Credit report that is too old to report, and they are incorrectly stating it will not fall off until XX/XX/XXXX. They have provided no proof of anything else. No Support for their claim. 

Repayment according to Creditor was to start in XXXX. 

" XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$38000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line Of Credit ''
Product: Debt collection

XXXX and XXXX trying to collect the money out of my bank account and put me in the negative. I'm still receiving emails talking about the account is past due. They also put me in the XXXX XXXX such as XXXX, XXXX and XXXX.
Product: Debt collection

Someone with the same name took out a loan with Net Credit under my name. I have disputed this on my credit reports, contacted the company via phone and written letters to Net Credit but they refuse to investigate. This debt does not belong to me but it is showing up on my credit reports. Net Credit stated that the loan with applied for online and someone punched in my social security number but other than that, they don't do any other verification.
Product: Debt collection

Paramount Recovery System, a collection agency, simply showed on my credit reports XXXX 2017. I contacted them by researching their phone number and provided the account number listed on my credit report. This was the very first time I had ever been informed about this debt. I spoke with a representative who informed me the debt was from medical facility 6 years prior to the current date. Paramount had an address on file where I had not resided in 15 years. I provided them with update information including my current address. I asked them for proof that I owed this money in the amount of {$1100.00} and I will make payment arrangements. I was advised to go directly to their website www.paramountrecovery.com where i would be able to see an invoice that outlined the debt. Therefore, I visited their website as instructed and the site only accepted payments and did not provide an invoice or any indication that I actually owed the debt. I then contacted Paramount again and requested a copy of the invoice be USPS mailed to my address. To date I have not received an invoice just additional letters demanding more the monies. I contacted them several times more and they just wanted to offer settlements of 50 %. I do n't believe I owe this money and Paramount has not provided any proof to indicate that is a legitimate debt. They are now threatening to take additional legal action if the debt is not paid or settled soon. I never offered to settle the debt, just asked out of curiosity. Thank you.
Product: Credit card

American Express failed to return its {$190.00} annual fee for my credit card, citing a 30-day policy. On XXXX, American Express stated it did not expect for me to receive my card until XXXX. On XXXX, American Express charged the {$190.00} to the account, despite my not having received the card and not having activated the account. On XXXX, American Express sent me another request to update my address and was still unsuccessful in delivering my card, so I still had not received my card or activated the account. On XXXX, I received the card, activated the account, and used the card. I was dissatisfied with the card and how few merchants accepted it. I also saw that while the American Express site kept my payment information, through some glitch it did not process the auto-payment set-up. On XXXX/XXXX/17, I called American Express to cancel the card. I paid my balance in full, and I requested the {$190.00} annual fee refunded. I was told this should be no problem considering the circumstances, and I was put through from the Credit Department ( to pay my balance ) to the Customer Service Department ( to pay my balance and explain my charges, waive the erroneous late fee and interest, and to process my request to cancel the card ) to the Membership Consultant Services ( to submit my request to Customer Service for the {$190.00} annual fee to be refunded, Report No. XXXX ). Having heard nothing, I called American Express to follow through on the {$190.00} fee refund on XXXX/XXXX/2017. I was repeatedly told by the first line of customer service agent, the next level supervisor, the higher up supervisor, and the next level up supervisor that the 30 days had lapsed from their charge date of XXXX to my call date of XXXX, even though they recognized I had not received the card or activated the account yet on XXXX. They said they could not refund the {$190.00}. I would like the {$190.00} refunded because I did not even receive the card for which I was charged this service fee until days later, due to American Express error.
Product: Credit reporting or other personal consumer reports

y recived a copy of my credit report and i noticed 3 accounts the are not mine
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I'm in a constant dispute with this account information called XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX the information violates my rights as a consumer the account continues to report in the year of 2024 which The state of texas the information as the right to report for only 4 years it's past the statue of limitations. if this inaccurate information continues to report I will have result in ligation. This has majorly impacted my ability to obtain credit, I have requested information and have not received documentation supporting theses accounts. XXXX has removed this information but equifax is still reporting false information, the credit bureau must fall into compliance with reporting the correct information. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

The manager at world finance is very rude. When I tried to pay on the account rep. XXXX denied my payment turning me away several times and eventually through my account into collection 's we
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX-INS Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report
Product: Credit reporting or other personal consumer reports

This complaint to XACTUS for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate account information with the credit bureaus for over 4 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. They are now in violation of 15 USC 1681 FCRA s-2 and the FDCPA.
Product: Debt collection

Received a voicemail from the telephone number XXXX and this is what it stated " Hi this is XXXX XXXX calling with the Department of Civil Processing here at XXXX XXXX XXXX. I 'm calling for ( my full name ). ( My first name ) This is your final notification regarding case number XXXX. Now due to your negligence to respond and attempts we have made to contact you, the Department of civil processing is now deemed you non-compliant in our district policy at this time you will be placed on a schedule for your hearing. We hearing back later at ( my address ). You will have to sign for them and appear. Any questions or concerns I can be reached directly at XXXX. '' This is the 2nd voicemail this week from different number and I also received a text message with my ssn from an XXXX number, stating I was going to have legal actions against me. This is becoming a weekly ordeal as well as they are calling members of my family by getting their phone numbers from online.
Product: Mortgage

I have been in review with Rushmore for over 1 year trying to get my mortgage modified. We are currently assigned to XXXX XXXX, who has been nothing but combative and rude throughout the entire process. I am asking for our representative to be changed immediately, as she is nothing but degrading and very snide to my advisors as well. She has done nothing to help us but only harm the process. As I have stated, we have been in review for almost 1 year. We even told Rushmore that we have {$10000.00} to put toward a down payment on a modification, still they drag their feet. We have sent the same documents over and over. I think it 's because they just do n't like us and are trying to stall to sell our house. What happened most recently was that they put a sale date on our house for XXXX/XXXX/XXXX even though we are still in a Chapter XXXX bankruptcy that is not discharged. Not knowing the laws and not knowing we are still protected. My huband filed a Chapter XXXX in his own name on XXXX, a day before the sale, which was upheld by the Bankruptcy court as valid. Just last week, XXXX, Rushmore 's attorney, XXXX, tried to file something to overturn our bankruptcy based on a document he filed in XXXX. The bankruptcy judge overturned his filing ( attached ) and said there will be a hearing on XXXX/XXXX/XXXX to give us time to respond. I am currently talking to my atttorney to file a response to let the court know how hard we have been fighting Rushmore to keep our house. We have been assigned to people who refuse to help us. The letter from the bankruptcy judge who overturned XXXX 's filing has been on file and emailed to all involved ( Rushmore and XXXX ) on XXXX. It is now XXXX and Rushmore states that there are no new developments and they have to wait for instruction from XXXX 's office. Every day they wait is a day closer to me losing my home. They have this letter in their possession and they are still not trying to move forward. My advocate XXXX has called XXXX, who now conveniently does n't answer the phone, as well as her supervisor XXXX, who has not called him or us back for now another 2 days. I have been on the line as XXXX has left messages. I need help moving this forward, nobody at Rushmore has helped in the slightest, all they have done is talk down to us, ignore us, and ask for the same documents over and over. I further give my permission to talk to XXXX XXXX and/or XXXX XXXX at XXXX XXXX, they are working hard on my behalf but have also just been disregarded by Rushmore. I am also putting my authorization in writing ( attached ).
Product: Debt collection

I was contacted by States Recovery System for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by States Recovery System is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX just increases your interest. XXXX XXXX XXXX takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and XXXX XXXX XXXX gets rich.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.
Product: Student loan

I was checking my credit report around XX/XX/XXXX from my XXXX  XXXX account and I noticed 4 student loans were added to my credit report. This was very odd to me because they were serviced US ED Nelnet. ( Didnt know at the time it stated nelnet for a reason because they are my student loan servicer. ) I honestly thought it was fraud at first because before the cares act my loan was in forbearance and then dropped off my credit report around the cares act time for years it was gone till around XX/XX/XXXX when I noticed loans back on my report. I have several complaints about great lakes ( who did service my loan ) and nelnet ( who is my servicer now ) after doing the digging to figure this all out. I have not even had to think about my loan since XXXX so all this has blown me away and ruined my credit. I had a XXXX XXXX XXXX and now it is XXXX due to all this mess. 
I did figure out great lakes closed and my federal student loan went to nelnet. I never recieved any notice from great lakes that my loan was moving. I had to login to federal student aid to find out nelnet was my student loan servicer. I have attempted to contact great lakes to figure out my loan amount but they closed everything and i cant access payment amounts, etc. I can not figure out how to get ahold of them. Everything I try it says it isn't in service anymore. My account to great lakes is completely closed and unaccessible. I have no way of knowing what it was. Great lakes has no info on my account and no way to access any information which is wrong. All this information should have been relayed to the people that pay these student loans. By great lakes not provding this how am I supposed to know everthing is accurate. After this defeat with great lakes I pushed on with nelnet trying to login with my great lakes login information even hoping it would work. Attempted to create an account. Nothing worked I looked up my name, ssn, email, and phone number with nelnet and the prompts for login said they can't find me in there system or I already have an account. I contacted customer service via chat to see why their websites states they can't find my account. They were unsure asked me to create a new account because they couldnt find an account either. I attempted to make an account and was blocked by the website stated I couldnt. I tried again as asked by customer support and website froze. Chat froze. O had no option but to close out the window. I have continued to make several attempts to retrieve an account or make an account and each time the website won't let me. Now nelnet has reported to my credit report I am delinquent on 4 loans and severely ruined my credit I have worked years to achieve! I would Like an account with nelnet so I can make payments and I would like this delinquent reports off my credit report. My score back to what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 times I have asked Trans Union to place a statement on my report with them concerning XXXX, twice in writing and once by phone and to send me a new credit report with that statement on it. Trans Union has refused to to add my statement and send a new report with that statement to me. It appears Trans Union is not intrested in the consumer only the Financial institutions!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I received my credit report and noticed that Experian, XXXX and XXXX has violated my consumer right to privacy under 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Reports. Experian, XXXX, and XXXX has infringed upon my right to privacy and I never gave them written permission to report anything on my behalf which is in direct violation of 15 USC 1681b ( 2 ). By law it states these agency must have written permission from the consumer who it relates in order to furnish a consumer report. It's been difficult to live my life with these things on my report unlawfully. I demand the following items be removed immediately.
Product: Mortgage

I am a XXXX. Bought a home in XXXX, and have NEVER been late with a mortage payment in 20 years. I called Ditech ( the current bank who holds my loan, since it has been sold to XXXX different banks in the last few years ) to request the {$5000.00} " XXXX '' incentive and to discuss refinancing my loan on XXXX/XXXX/XXXX. Since then, I have called on several occasions ( too many to list here ) to see where I was in the process. Ditech has given me the run around, sent more paperwork for me to fill out, placed me on hold incessently, transfers me to other agents, and I NEVER receive an answer. During XXXX conversation with a male agent, on XXXX/XXXX/XXXX, the agent told me they were holding the {$5000.00} incentive, and instead would give me that performance incentive as well as another {$5000.00} XXXX XXXX incentive next year in XXXX. I knew that was not part of the incentive program, and not true, and they were just putting me off once again. After five months, I still have not received conformation that I will receive the " XXXX '' incentive of {$5000.00}. 
What is a consumer such as myself supposed to do? The time is almost up for the program, and after 20 years of faithfully paying my mortage on time, Ditech has effectively put my request on hold until they can say, " too late ''. I have done everything they have asked of me. Please help me.