23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I was contacted by Synchrony Bank asking permission to change my telephone number on my account at which time I said NO. Upon further questioning, I was advised the address was already changed and new cards sent. I asked that they be flagged and new card sent and my address changed back to " my '' address. Later when I was unable to access my account I called back. After 4 attempts I was finally able to connect with someone and eventually transferred to fraud. 3 more called they requested I send a copy of my driver 's license and another credit card bill showing " my '' the address that was on the account before the change in XXXX. I sent, they received XX/XX/XXXX- but I had not heard anything so I called again today. Ultimately was transferred to a " supervisor '' who informed me my documents were rejected and that I needed to now submit a bank statement. I asked several questions which he was unable and/or refused to provide answers. Basically said to send the document and it will take another XXXX days to process. Asked if they will contact me this time and would not provide an answer. I am XXXX XXXX XXXX. This is extremely upsetting and the lack of customer service, assistance, communication from Synchrony is just unacceptable. What actions as a consumer do I have to get a timely acceptable resolution?
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 process requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

XXXX  XXXX Address Id # XXXX balance {$800.00} is reported twice on credit report need report updated
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTANTS REPORTING
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company Midwest Recovery is making claims of taking me to jail and sending a Marshall to my job and home if I do not pay. I never took out a loan with the Midwest Recovery.
Product: Mortgage

Please add this to complaint XXXX On XX/XX/XXXX, I spoke with XXXX XXXX XXXX Midfirst. She viewed my proof of occupancy ( electric bill ) and said she would contact XXXX property management group to change my locks back. I came home to the keys in the mailbox ( anybody could have walked in ) and the locks still not changed back. They still went on my property and winterized it on XX/XX/XXXX. They are purposely interfering with me selling my property and trying to steal it. 

I received a call from XXXX at a company called XXXX XXXX. They asked if they could come over, look at the house, and make a cash offer. I said sure, just go through my realtor. She said they only buy property from owner and do not buy property that is listed. My house has been listed since XXXX. The only way they got my contact information is from MidFirst or XXXX property management group selling my information. XXXX XXXX did not even know it was officially listed. More proof MidFirst and XXXX are trying to steal the house. 

Midfirst calls everyday and all that is needed for mortgage assistance is proof of purchase offer. We are actively trying to sell it. It's very harassing and I am not being given a fair chance to sell it for profit I deserve.
Product: Credit reporting or other personal consumer reports

I have several items being reported to all 3 credit bureaus, TransUnion, XXXX and XXXX that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE TransUnion told me that that would remove them as well as XXXX XXXX but XXXX is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of Ed/ XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all 4 items were discharged and are still being reported to all 3 credit bureaus. 

2XXXX  XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all 3 credit bureaus. 

3XXXX XXXX XXXXXXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to TransUnion and XXXX XXXX 

4. XXXX XXXX XXXX {$1100.00} charged off ( removed from TransUnion but still being reported to XXXX and XXXX ) 5. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to TransUnion and XXXX. 

6.XXXXXXXX- debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all 3 credit bureaus. 

7. XXXXXXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Did not give permission for Hard inquiry. Please remove now. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these items, which I assert are the result of identity theft. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX/prev. late open XXXX XXXX  XX/XX/2024 XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX, NE XXXX XXXX XX/XX/2024 XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I set up a payment arrangement with FTB ( franchise tax board ), to make payments towards my CA state income taxes, starting in XX/XX/2022. I received a threatening letter that my arrangement had been terminated and full amount was due immediately. I called they said BofA rejected the payment request and I defaulted. I knew that was a mistake so, I called BofA and I was told there was no record of the attempt. I called FTB and they said well, it was and I gave them another checking acct to take it out of.. they assured me that it would start again XXXX XXXX unbeknownst to me he was taking it out of BofA again, which shouldnt have been a problem, until I received another payment arrangement termination. I called BofA again, this time ( after I was told no record of attempt, but after further review ) there had been a stop payment/ hold on XXXX XXXX. Which was a huge surprise to me. Meanwhile, FTB has said I can no longer use BofA and there has been XXXX ( XXXX ) {$34.00} processing fees attached to the amount already owed to FTB. I asked BofA how did that happen, they couldnt explain if it was a fraud issue ( which I do not recall claiming fraud ) or I requested a hold ( which I KNOW I didnt do. ) now FTB says I need a letter from BofA explaining the hold had been removed and in order to have the fees waived I need them to also state i didnt request the block or it was a bank error, which Bof A wont do. I cant on my own get anywhere with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX I was contacted by a man claiming to an officer. He stated I was involved in a crime and I needed to send him {$8000.00} by wire transfer. A wire transfer was set up on my account. On XXXX I decided to go to XXXX Bank in XXXX where the wire transfer was set up. I told them what happened and was told they would stop payment and the receiving bank, Chase would catch it. I was told by XXXX Bank they would contact Chase Bank to let them know this is fraud and not to allow it to be processed. 
OnXX/XX/XXXX we went to Chase bank was told the wire transfer was pending and but they had to go through before they were able to refund the money. The Fraud Dept. stated the process to stop the wire could take three to five business days. They advised that they would debit the fraudulent account and refund my account within 7-10 days. We contacted Chase continually to refund the money and they did not return our calls or refund the monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had filed for bankruptcy back in XXXX of 2011. His bankruptcy was discharged in XXXX of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the XXXX XXXX credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to XXXX XXXX XXXX  personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around XXXX dollars and was forgiven due to my husband filing for Chapter XXXX bankruptcy. Can you please have the XXXX credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Debt collection

Avant considers non-receipt of loan in amount of {$6800.00} as fraud when loan was applied for by myself, appears loan amount deposited into incorrect account number. Avant replied to prior CFPB complaint in part by issuing a fraud packet, when in fact the issue appears to be technical in nature, not fraud. Further, they refer to calls made to Avant regarding high interest rate, credit score not taken into consideration at time of application.. Calls were made prior to request lower rate, Avant refused, their rep by the name of XXXX XXXX unable to resolve matter. Further, funds were deposited into incorrect account, partial payment ( s ) made and ceased due to unresolved issue with interest rate and non-receipt of funds. Avant attempted to collect on debt by reporting amount to credit bureaus including interest, account later charged off after unsuccessful attempts. Avant simply needs to remove account from credit reporting, in which case, Avant remains evasive about matter, provides number to make payment in which case, no payments will be made. Failing to remove account from credit reporting, account will be removed from credit file after seven years, all negative/derogatory information removed.
Product: Credit reporting or other personal consumer reports

See attached letters with specific reasons for my complaints, but it can be summarized as follows. Each of the companies connected to this complaint are purposely reporting information knowing its false, then verifying its accuracy every time I dispute it. 

A credit file can not : XXXX. Have listing of accounts showing both a charge off and a balance owed. The charge off means the balance is now XXXX or 2. They sold the account ( Which each of these companies has ) meaning I not only do not have access to pay these, I owe them nothing because the account is closed and has not balance Reporting these as balances owed is not just misleading, its false and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter dating XX/XX/2020 from a new creditor that has bought the old debt ONE day after I spoke to XXXX  and told them I send fraud affidavits to them three times on a credit card account they was stolen - I guess they sold it the next day because they didnt want the drama but now I will seek legal investigation into this! Its absurd how they passed a fraudulent debt off again -
Product: Student loan

I have {$100000.00} in student loans. A HUGE portion of that balance is due to interest. Once I graduated college back in 2002, I could not find a job right away so I was instructed to just use my forbearance for the loan. So then I decided to get my XXXX  to further my education in hope 's of getting a better job but XXXX University is not as credible as they said they were which is another crime. When I finished my XXXX, I still was not able to find a job where I could afford life and school loan payments. So I was instructed to just use my forbearance and when that ran out, my deferment since I could not afford the payments. 

This has been going on for the last 10 years. I have literally called every year to see if there was a program or way I could afford monthly payments and loan representatives continued to say no and that if I could not afford the payments then I needed to just defer or use a forbearance. 

Fast forward 10 years, I am married and have XXXX kids and I XXXX XXXX XXXX mom. Now that I'm married, I'm worst off than I was when I was single because I have to include his salary. With his salary I would have to pay $ 500+ on any type of repayment plan which is extremely unrealistic for a family of XXXX. Not to mention all of our other bills. 

I took out the loans and I am responsible for the initial loans but for the service provider to instruct me to use forbearance and deferment for all these years instead of helping me find a program like the income driven or income contingent could have saved me at least {$40000.00} of interest that I am responsible for paying. 
I plan on sacrificing and working in public service field but I still need to find a repayment plan that I can afford to make the 120 qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years. 

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX
Product: Debt collection

On XXXX XX/XX/XXXX, I received a phone call from The Toyota Financial Services Deb Collections department about owing XXXX $ on my car lease. I explained that I would not be making any payments until I verify where/when a payment was missed. I checked both my bank statements from the start of my vehicle lease up until present day and I could not find a month where a payment was missed. I also checked my billing statement on the Toyota Financial Services App and it does not reflect any missed payments. I called XXXX Customer Service again and was told that a payment from XX/XX/XXXX ( over a year ago ) did not go through and for some reason I am barely finding out about it now. On my TFS app, it doesnt reflect any payments not going through for the month of XX/XX/XXXX, in fact, I have the payment confirmation. When calling TFS, their automated system specifically states to use the confirmation emails as proof of payment due to technical difficulties. I explained to the agent that my billing information on their end is incorrect as both my billing statement and my bank statement reflect the payment was made. I was told that the payment got returned regardless of what proof I have and that I would need to pay the XXXX $ in order to stop this from damaging my credit tremendously since it would be reported to the credit bureau tomorrow ( XXXX XX/XX/XXXX ). I then went to my bank, and had the bank representative scrub through any possible returned payments and was told that on their end, it reflects that the payment was made. I then called the TFS Debt Collections Department and was put on hold many different times, the representative then told me she didnt see where the mishap was but that it would hit the credit bureau tomorrow ( XXXX XX/XX/XXXX ). TFS can not provide me with an email so I am unable to send them these statements and confirmation emails from them showing that Ive paid all my bills on time. I researched them online and many other people have had issues with this financing company. I feel I am being scammed by Toyota Financial Services due to the fact that they can not provide me with any proof that my payments haven't been going through along with their unwillingness to be able to accept my documents proving I have made my payments thus causing my credit score to possibly be affected.