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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX. # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$760.00} XXXX  # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

RADIUS GLOBAL SOLUTION XXXX Balance {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information 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 3 Credit Bureaus 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 account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$160.00}
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( 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. 1681s-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: Debt collection

Per lease agreement we were out by XX/XX/2019 but statement says moved XX/XX/2019. We never received anything 14 days after koving out of apartment showing us damage, pictures, anything because there was none. They kept our deposit which was fine we thought to clean and repaint and the little things. Now we are receiving collections from Columbia Debt Recovery stating we owe almost XXXX it was about XXXX but in my dispute with them they removed interest bc they found it charged incorrectly. If interest was incorrect wouldn't charges be because we were never late. I disputed that charges are fraudulent trying to come after us 3 years later after XXXX the manager did them all dirty and left them with a mess. She told us we would not be charged except cleaning and took a co p y of our keys and we initialed when moved out that is all. Now 3 years later here is rent charges and damages etc. Columbia Debt told me too bad that XXXX validated with a statement of charges showing no date of the statement which should have been within 14 days of move-out but document has no date ( weird right ) usually statement shoes date created or printed. It shows I had a credit XX/XX/2019 of XXXX and all these charges and subtract my deposit and boom I owe now almost XXXX with no interest because interest was incorrectly billed. Then they show me a document which I had never seen or signed that I stated we were moving out XX/XX/2019 signed by XXXX on XX/XX/2019. That document is forged and I did not and I repeat did not use a form like that or give them any form like that. We wrote them a letter and hand delivered that to XXXX in XXXX. This is crazy and I have read other reviews and from people who have sued them how they have forged names and created documents that tenants never signed or seen themselves. I have a family we was moving from an apartment to a house and now 3 years later all this supposedly happened. This is fraud.
Product: Debt collection

I have repeatedly asked this company to stop calling. I have requested verbally and in writing for this company to provide me with proof that the account is mine. I have received to date.
Product: Credit card

I made a payment on XX/XX/XXXX for {$6300.00}. It still hasnt been applied to my credit card balance as of XX/XX/XXXX. This is my Caesars rewards credit card issued by Comenity Bank. ( It was however deducted from my checking account and cleared my checking in XX/XX/XXXX ) I make my payment in full each month and have since I opened this card in XX/XX/2022. The balance is usually {$5000.00} to {$10000.00} each month. I have never had a payment returned as NSF etc. this is my typical payment pattern. Whatever the balance is I pay it in full. 

XXXXI called my issuing bank and my payment of {$6300.00} was deducted from my checking account on XXXX XXXX If the funds have already been removed by my issuing bank how is it legal for Commenity bank to not apply the payment as a credit to my account as of XX/XX/XXXX? 

My credit card was declined at a restaurant on XX/XX/XXXX and I called and was advised payments can take 7-10 days to post. Ive never had a payment take that long to post. I believe even the VRU states if made by this time it will be applied same day and after XXXX next business day. 

I called again several times. I called today and spoke with someone who provided false information. I asked to speak with a supervisor. I spoke with XXXX XXXX who really didnt know why the payment was not applied yet. I then spoke with another supervisor named XXXX and he didnt know either. He said it could be due to holiday. Im not sure what holiday he would be referring to. The payment was made on XXXX XXXXThursday next business day Friday then Monday XXXX and today the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove old obsolete accounts. 

Remove XXXX - XXXX XXXX According to my record, the date of my first delinquency was XX/XX/XXXX, and the fall-off date is XX/XX/XXXX. 

It has been on my credit report for 7 years and 9 months. Equifax and XXXX refuse to remove the account. 

XXXX has removed the account. Why are Equifax and XXXX continuing to violate the fair credit reporting act?
Product: Student loan

I pay an overage of about {$27.00} per month, I have asked that the overage be applied to principal. Edfinancial uses XXXX that allows me to designate the additional principal payment. However, Edfianncial continues to apply payment to future payments. This is costing me additional interests every month. I have filed a complaint in the past and nothing was resolved. They continue to refuse the apply the additional payment to principal because it is a manual process for them? The additional cost in interested is effecting my financial and my ability to pay the loan off faster, ultimately making EdFinancial more money. My prior complaint id wasXXXX XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

My person financial information was improperly handled by Equifax. Very sensitive and crucial information may have been stolen. And may currently be, or in future, be abused by those who stole my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX CT XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, my account was closed. On XX/XX/XXXX and XXXX i received a deposit for {$540.00} then for {$190.00} totaling {$730.00}. I was told a cashiers check would be sent out in 10 days when i called on the XXXX of XXXX. On XX/XX/2020, the funds were supposed to be getting mailed out. On XX/XX/2020, i called in to find out my funds are flagged for review. Since then ive progressively went from calling daily ( by their request ), to weekly. It is now XX/XX/2020, and ive put in multiple request, spoken to multiple agents at bank of america, and yet the biggest update i received was about 2 weeks ago when a supervisor stated she's emailimg the back office and the review team and her boss as well to get this resolved. Unfortunately when i called back earlier this week there was only a note on the account that stated i will be getting my check, but theres no update from the review team, no estimated or confirmed date to send it, nor any information on why it can possibly be taking this long. During this whole process i received 3 letters. One saying my account was closed, one saying my account is under review, and the 3rd being a monthly statement.
Product: Debt collection

Friday XX/XX/XXXX I had a debt for a thousand dollars from money lion.com ti contacted the company and somehow a loan was taken out in my name. 

Friday XX/XX/XXXX I had a debt for XXXX from moneylion.com I contacted the company and I was randomly charged for a loan I never took out. 
Both times company refused to do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several tradelines on the consumer reports and in the consumer file concerning me over 18 months. Trans Union has failed or refused to delete the inaccurate and incomplete information even when I've presented them with proof of the irreparable errors. I do not give Trans Union permission to publish, report, furnish or appropriate my personal information or private financial transactions. I did not give Trans Union permission to have my private financial records, and therefore they are violating my privacy rights, damaging me, defaming my character, and harassing me by not complying with the Fair Credit Reporting Act, Code of Federal Regulations, United State Code, and state consumer protection laws. 

I mailed disputes to the address provided by Trans Union, and their registered agent in Utah where I reside. Because Trans Union refused to delete incorrect and incomplete tradelines from the consumer file concerning me, I demanded full disclosure of the file according to FCRA 609.

Trans Union has failed or refused to comply with Fair Credit Reporting Act 609 and provide me with a physical copy of the consumer file they have concerning me. I demanded full disclosure on XX/XX/2022 and they failed or refused to send it to me within required 15 days. I gave them an opportunity to cure their default of providing full disclosure on XX/XX/2022. I have yet to receive the required FCRA 609 full disclosure of the entire consumer file concerning me. 

This leads me to believe that Trans Union does not have reasonable procedures in place to ensure maximum possible accuracy of the information they compile and publish in the consumer file and consumer reports concerning me. 

The following accounts tradelines need to be DELETED immediately because the entities do not exist and I have no legal recourse against them : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also never been known or gone by the name : XXXX, XXXX, XXXX I have requested Trans Union to DELETE this incorrect name and they have failed or refused. 

I am the only person that can validate or verify any information regarding my private financial matters and therefore, I do not give Trans Union permission to include anything in the consumer file or a consumer report concerning me without first getting certified written permission directly from me, not from anyone else. I am the only person with firsthand knowledge of the accuracy of my consumer credit transactions. 

I am attaching my dispute letters that Trans Union has failed or refused to comply with. I request that you CEASE AND DESIST with including all disputed information in the consumer file or consumer reports concerning me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night I tried to get free credit reports from XXXX, Transunion, and XXXX. XXXX  was very helpful and we received their free credit report promptly. Transunion tries to get you to subscribe to a monthly paid service to obtain your credit report and Fico score. After multiple efforts, we finally were able to submit a request for a free report and they denied the request on the basis that they did not have enough information to confirm my identity. We paid off our last mortgage almost 24 years ago and I did not remember what the amount of the mortgage was. 

XXXX  told me that I was not entitled to a free report, in clear violation of Federal law. As a result I contacted the Federal Trade Commission, got the right phone number to get the reports from Transunion and XXXX, called that number rather late at night. A woman answered my call, asked me for some brief information, and said that I should receive the reports within 15 days. 

I initiated a Credit freeze wih XXXX after checking the Credit Report that they provided. This process was simple and quick. 

I get the impression that both Transunion  and XXXX  are gaming the system. They resent having to provide free credit reports as required by law.
Product: Debt collection

I recently had to get a copy of my credit report and found a company claiming I had an account with them. I called for copy of a invoice for services because I did not use this company. This account was in my ex husbands name and when filed for divorce he called and put my name on the account. I did not use this companies services. I called and asked for information and I was told they could not give me a copy to call the collection company. I called the collection company and they only have the amount owed on account. I have not received any invoices from the company or collection agency but they are on my credit which is bringing my number down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover allowed an identity thief to access my account for fraudulent charges during XX/XX/2016. The following transactions were never investigated, or credited back to my account even though I provided proof that they were not made by me. 


XXXX. Date Post Date Description Amount XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$3.00} XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX CO {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX  XXXX XXXX {$27.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

hello to whom to may concern i had autopay with discover bank and for one reason or another payment didn't get deducted and a late payment was reported in XX/XX/2021. i reached out to discover and they assured me that the late payment was reported by mistake, due to autopay not working and discover agreed to remove late payment from all credit bureaus. I spoke to XXXX from discover on XX/XX/2021 at XXXX XX/XX/XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with sue from discover on XX/XX/2021 at XXXXXX/XX/XXXX pst. i even spoke to both of there supervisors and they also confirmed this.
Product: Student loan

I became aware of the XXXX XXXX program when XXXX XXXX initiated the program. I was told all I had to due was make payments for 10 years with a public service job. At the time there was no talk of a qualifying loan program. I made my payments on time with out question for about 9 years. When it came time for my loans to be forgiven there was talk about a qualifying program. It is documented that I was in so called qualifying plan before I heard about the loan forgiveness program. I was advised that all I had to do was make payments for 10 years with public service and my loans would be forgiven. In the XXXX hour I was duped and came to realize that after 10 years my payments amounted to nothing. I was duped into changing my so called qualifying plan to an ineligible plan by the loan provider and when it came time for loan forgiveness the rules were changed!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally reported this problem CFPB # XXXX. Wells Fargo decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes it very difficult to freeze/lock credit for free. They keep on directing me to paid services to freeze/lock my credit ; however, to do it for free, it is virtually impossible. The reason I'm reporting this issue is because XXXX   and XXXX  both make it easy and free to lock/freeze my credit reports.
Product: Mortgage

On XXXX XXXX, 2015 a collector XXXX XXXX XXXX from green Tree Servicing called and I did a SpeedPay payment with her in the amount of {$990.00} plus the {$12.00} Fee. On XXXX XXXX, 2015 the same collector XXXX XXXX XXXX called back at XXXX stating that she made a mistake and the payment was incorrectly applied to my other mortgage account. She stated that her supervisor XXXX XXXX XXXX cancelled the payment from XXXX and that she needed another SpeedPay payment from me. I was leery of doing this but since she said the previous payment was cancelled I went ahead. The next day XXXX/XXXX/2015 XXXX payments in the amount of {$990.00} plus XXXX {$12.00} fees were taken from my XXXX bank account. I called XXXX and she said her supervisor XXXX XXXX XXXX did n't do her job and transferred me to XXXX. XXXX said that she would have the incorrectly applied payment back in my XXXX bank account within XXXX hours plus the {$12.00} SpeedPay fee. I called XXXX on XXXX and XXXX and left voice messages with no response from her. I also called customer service on XXXX and XXXX and they said they would send an email to XXXX and XXXX in collections. As of today XXXX/XXXX/2015 the payment has not been refunded to me and according to Green Tree Customer Service no refund has been processed. I was able to reach XXXX and XXXX today XXXX and was told by XXXX that the refund had been processed.
Product: Mortgage

The loan was initiated in XXXXXXXX XXXX XXXX. A loan re-forecast, which resets the amortization schedule for the entire loan, was initiated and completed in XX/XX/2022. From that moment on, PMI should have been removed since the auto termination date would have been re-calculated and it would have been found that we met the threshold to have the PMI removed. I reached out to PHH mortgage to request a refund of the unnecessary PMI payments totaling in {$980.00} which they declined multiple times. Their stated reason for declining was the original PMI auto-termination date of XX/XX/2033. This date changed as a result of the re-forecast.
Product: Debt collection

Ive set number of emails at least six to Miss XXXX from the collectors of {$150.00} that was paid in full on two separate payments the same hour same day XX/XX/2020 I will contact her for five times I left voicemail messages for her I still have not gotten back to me as of what is going on what is still sitting on my credit report nothing is being done her name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Open. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2200.00} XXXX XXXX account. {$2200.00} past due as of XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ), section 605B states that the credit bureaus are required to block any and all information from appearing on your credit report that is a result of identity theft or fraud.
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 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 Fraud Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violent