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

see attached.No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldnt be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX. All three Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.
Product: Mortgage

My father has a home equity line of credit ( mortgage ) with Chase Bank. He was XXXX years old when he got 30 year mortgage on his home with interest only payments for 10 years, then after 10 years the monthly payment tripled when this man, who is XXXX now, and ca n't afford to pay, but they gave him the loan based on that he could pay for the first 10 years. They are happy to foreclose as they have already gotten {$50000.00} in interest and they can sell the house and get more than he owes. They will not do a loan modification, refused to accept XXXX from XXXX, which could help a lot!, but they speak very patronizingly on the phone in a fake sweet voice like they really want to help. They only want to help themselves. They sent me to the FHH program, then refuse to take the money offered. He can not borrow any longer on this line of credit- the available credit is " XXXX '' clearly on every statement.
Product: Checking or savings account

During the XXXX time, the bank was charging fees for overdrafts, monies out of my control, and more. They put a hard watch and I would have to call every Wednesday for them to release MY child support that they would hold until I called. I was always put on hold for them to release MY money. I feel I should be compensated for the emotional distress and MY money being held in my account. They charged me overdraft fees that should not have been charged at the time of XXXX. I was unemployed to to my job closing down during XXXX.
Product: Mortgage

Ditech Mortgage Compay tried to defraud me out of {$96000.00} through Home Loan Specialist XXXX XXXX XXXX # XXXX by charging me closing costs of XXXX and appraisal fee of XXXX, tax service of {$85.00}, Flood Certification Fee {$4.00} and credit report of {$4.00} for a total of {$710.00} + {$91000.00} = {$92000.00}. Plus Homeowners insurance of {$340.00} which was not included in the original quote from Home Loan Specialist XXXX XXXX XXXX, so now the damages are {$340.00} + XXXX = XXXX. In addition Ditech Mortage charged me another {$600.00} for homeowners insurance of {$600.00} and City Property Tax of {$1500.00} for a total damages of {$91000.00} + {$600.00} + {$1500.00} = XXXX. Ditech & XXXX XXXX wanted me to sign this this agreement even thought it was wrong. Home Loan Specialist said that I needed to sign it and it would be corrected at a later date. This is for Ditech Loan Escrow No. XXXX. During the Month of XXXX 2016.
Product: Debt collection

We signed a contract with XXXX XXXX XXXX in XXXX to install a solar system on our property. They used Goodleap to finance the project but did not complete the project to the terms in our contact. goodleap has not done the work to help us get our system working to the specifications in our contract and has been demanding payment from us for the finance agreement. We have been in contact with goodleap /loanpal since the beginning when we first realized our system was under functioning in early XXXX when we suspected the solar company was engaged in deceptive sales practices.
Product: Credit reporting or other personal consumer reports

I was horrified to find an inquiry from your company on my credit report that I never authorized. This is an unacceptable violation that is actively damaging my credit score and causing significant distress.
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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked Experian to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to Experian, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told Experian that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called Experian I was given false information by one of their costumer reps. Now Experian is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that Experian doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to Experian by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. Experian isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the XXXX, XXXX XXXX XXXX.
Product: Debt collection

Tried several times to negotiate. The company abused the legal process in order to extract maximum payment over fair negotiation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cashapp 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 requirements under the electronic fund transfer act ( EFTA ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. 

I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. 

Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. 

As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.
Product: Credit reporting or other personal consumer reports

I have never signed or entered any agreement with XXXX XXXX XXXX. Please delete this inaccurate information from my Credit Report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! TransUnion is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX  {$5000.00} limit
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX  ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is an ongoing dispute I have had with XXXX over a {$45.00} bill which was paid once the issue was resolved. I have tried through Transunion multiple times through the years to have it removed from my report due to the fact that its over 15 years old and the information is not correct they just deny the claim and never send me the original paperwork but worse than that each time I dispute it they make that date show up as the day the incident happened. The last dispute with Transunion was number XXXX and simply denied they have never pursued my complaint actively and allow XXXX to skirt the law regarding how long something can remain on your report plus never provide me with the original paperwork. I disputed a charge with XXXX back in 2007 when I switched carriers they didn't like that I switched and added an extra fee on the bill which I disputed for a few month with them then just paid it for them to go away this was almost twenty years ago and they refuse to take it off my credit report and simply ignore me. I need this agency to demand they remove it or suffer the consequences. Thank you
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX {$2900.00} XXXX  XXXX {$370.00} XXXXXXXX XXXX XXXX  {$1000.00}
Product: Debt collection

Lvnv is trying to collect for something I do not owe. I have asked for proof with my signature and they do not respond. This is a total scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, XXXX, & Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from TransUnion and I noticed inquires that did not belong to me. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

On XX/XX/XXXX went to bank of america ATM to deposit {$1900.00}. The screen showed my name I deposited the money, but the screen never went to the confirm page like it normally would do. I got no receipt or no Money credit to my account. I immediately went inside to ask for the machine be taking out of service. That didn't happen. They say it will take XXXX business days, mean while have no money.
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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

I requested the following : Please cite me the Federal Law ( s ) that you are required to adhere to regarding my Texas Wells Fargo Mortgage Loan. 

I did not receive this information.

Again, I would like to request that Wells Fargo cite me the Federal Law ( s ) that Wells Fargo is required to adhere to regarding my Texas Wells Fargo Mortgage Loan.
Product: Credit reporting or other personal consumer reports

The immediate deletion of unauthorized inquiries on my credit report, as these are a blatant violation of my rights under federal consumer protection laws. I did NOT authorize these inquiries, and any record of them being on my credit report is not only misleading but also illegal!

According to 15 U.S.C. 1681b ( c ), no one has the right to access my credit report without my expressed, written consent. For each of these unauthorized inquiries, I am requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) that these entities had permissible purpose to pull my credit. You are required to provide documentation showing my signature explicitly authorizing these inquiries. Since no such documentation exists, you are legally obligated to delete these items IMMEDIATELY. 

I am also aware of my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which detail the civil liabilities for negligent and willful non-compliance with the FCRA. If I do not see these inquiries permanently removed within 4 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX XXXX XXXX XXXX