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

I am writing to contest inaccurate information on my credit report in accordance with XXXX5 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National credit systems, i have never receive info of the debt send out letters and never got an answer, i live in tx and this company is ingeorgia? Is this legal?, try to make contact and never got an answer from them, only threats.. they said i owe money to some apartments but there is no record of this, no apartment lease renewal, or anything, i was allready living somewhere else. This is ruinning my credit they charging me {$3100.00} and never receive a proper info on this.
Product: Checking or savings account

XXXX XXXX is affiliated with the Credit Karma Company and offered to have my tax returned deposited to a credit karma account ( XXXX with XXXX XXXX ), their customer service dept is overseas and a strange overseas transaction took all of my tax return as soon as it was deposited into my account what seemed to be a " hacker '' but it appears to me it was internal from the company, like possibly an employee or an employee of XXXX as XXXX has been hacking me for a long time, and forcing me to watch XXXX XXXXXXXX post or videos, the day before XXXX forced me to watch an XXXX  XXXX guys eating sushi or seafood and the next day my taxt return deposit was fraudulently taken from my account by some kind of business called : XXXX XXXX XXXX XXXX XXXX XXXX 

Immediately reported the fraud and credit karma did not stop the fraud transaction from going through and has not returned my money ....
Product: Student loan

The most important thing I want people to realize it that XXXX tacked on approximately XXXX onto my loans because i got back on loans. Then my loan was transferred to pioneer then navient. So my complaint goes back a long time, then my Grandparents who cosigned, but never got so many calls are now being preyed on!!! This is the lowest form of preying, they are in their XXXX XXXX and always in the hospital. I asked them to please stop because i moved from XXXX to XXXX to be with them they were depressed lonely and XXXX alone. I got a job and was able to get payments going but now that i moved back to XXXX because my Dad now is taking care of them and i am still looking for work. Please we just need some financial patience from this multi XXXX XXXX juggernaut who is preying on us a small little loving family who is going through tough times. Please help. Thank you. Stay strong and keep Loving.
Product: Vehicle loan or lease

I have been fighting with Wells Fargo Dealer Services for months to correctly apply my loan over-payments to paying down my principle balance rather than keeping any over-payments as offsets for future monthly payments. I was told that each time I over-payed I would have to call into customer service to get the over-payment " reissued '' and applied directly to principle. I accepted it because I am tired of arguing with them. I was told " this is policy and we are not going to make changes to your account. '' Fine ... 

So I paid {$1400.00} in XX/XX/2018, which is {$1000.00} over my monthly payment. I did this so i wouldn't have to worry about paying my loan for the next 2 months. They had a note saying that i did not owe again until the beginning on XXXX as the remaining {$1000.00} would be applied to my XXXX and XXXX payments due. Nothing new. So i didn't worry about paying the amount owed at the beginning of XXXX because they said in my XXXX payment statement balance that the over-payment would be applied to future months owed ( XXXX and XXXX ). 

So I checked on it today XX/XX/18 and they reversed my XXXX over-payment and applied it to principle ( seriously, after saying it was not policy ) without my authorization or approval and are now saying that I am past due on my  XXXX payment. 

They are the biggest group of liars and thieves. Seriously, they should all be brought up on criminal charges. So now my credit was hit AND I have late charges. I'm going to pay the " overdue '' XXXX balance tonight but this is getting ridiculous. Regardless of what I do I can not win with these unscrupulous people.
Product: Money transfer, virtual currency, or money service

I was blocked from being able to transfer funds from my serve account to my checking account
Product: Credit reporting or other personal consumer reports

I have requested for TransUnion and discover to show me proof that I received a statement 21 days before the payment was due for this payment an both failed to do so. Furthermore was unable to get into my portal due to discover site issues therefore the late payment needs to be removed this is my second attempt to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a call into Kohls credit card customer services on the XX/XX/2018. I called into customer service due to my neighbor brought me a letter from Kohls stating my bill was delinquent. I called into customer service and discovered your company had the wrong address for me. Therefore, this is the reason I never received my bill from Kohls in months. The first representative told me that she understood and could get my address updated. She also stated she could either waive {$50.00} or waive {$110.00} in late fees on the account due to me not receiving my bill. I decided it would be best to have her waive the late fees. However, she said I had to pay the full balance upfront for her to waive the fees. I asked to speak to a supervisor because this was unreasonable because that I never received my bill from your company. I then asked to speak with a supervisor who was beyond disrespectful. 
I spoke with him to see if I could get some type of resolution and go back to making minimum payments how the account is normally set up. In addition, advised him the last representative agreed to waive the fees because I never received my bill. He went on to tell me that he was not waiving my fees even though that is what the first representative told me. I asked him how it is that one person says one thing and another person says another. He made it very clear that he was not waiving any fees. I explained to him that I was just calling trying to get my account rectified being that I was not sent a bill. I recently had a similar issue with another credit card company and not only did they waive the fees but they also did something called a renege to bring my normal minimum payment back in additional update the CBR agencys since I never received my bill. 
I am very confused as to how your company has someone like him working for the company. Its like he already had it set in his mind that he was not trying to understand where I was coming from as a customer. I am very upset as to how I was talked to as a customer. I am writing a complaint and trying to get resolution since when I called customer service I was talked to in a very condescending and disrespectful way.
Product: Checking or savings account

Capital one is blocking me from authorizing a third party savings application for some reason unbeknownst to me. Please help me fix. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't my account, and the inquiries weren't authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act
Product: Debt collection

I found on my credit report that National Credit Systems is incorrectly reporting a debt that I have no knowledge of. I requested verification and documents proving I owe the debt on XX/XX/2024. To this day, I have not received a response from this debt collector. This debt collector is acting in abuse by still reporting this debt to all XXXX  credit bureaus and has failed to respond to my formal dispute emailed to them on XX/XX/2024 at XXXX.
Product: Mortgage

We are in desperate need of your assistance. Our mortgage company Carrington Mortgage Services , LLC . By and through their third party affiliate company keeps harassing us about insurance we have. 

To begin, we received a letter from them dated XX/XX/2022. In that letter, they tell us we have no insurance and that they are going to take coverage out on our home for an exorbitant amount of money. We informed them that we have had coverage for the past 2 years, of which we make our payments directly to the insurance company. Also, we were informed by the previous mortgage that a reduction to our monthly payment was in order and that would be done by the new mortgage company Carrington. As they sold the debt to them. 

After informing them of the facts stated earlier, they still persisted and required another copy of our insurance deck paper. Citing they never received one from the insurance company. We knew that to be false because they forwarded us a postcard acknowledging receipt of the policy. However, we contacted our insurance agent and she promptly forwarded the information. 

Believing the matter was resolved. Our insurance agent received another phone call on a different day requesting more documentation that the policy was in effect. Carringtons third party agent was requesting personal information, and the agent referred them back to us. After a call to us, they demanded to see the invoice of payment made. They asked the insurance company if we still owed any money or had missed a payment. They wanted to make that payment on our behalf, but they were informed that the policy was paid in full and had been paid in full for the past year as well. 

In closing, our issue is, the mortgage company is attempting to force us to take their insurance and raise our monthly payments, when they are refusing to lower our payments due to credits back to us for carrying our own policy. We need our credit for lowering our monthly payment down immediately and the harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized fraudulent accounts are not mines, My identity has been stolen, black webbed and has caused me alot of unknown Financial damage. Please be so kind and block these unauthorized fraudulent accounts. 

1 ] XXXX XXXX {$4700.00} 2 ] XXXX XXXX XXXX {$560.00} 3 ] XXXX XXXX XXXX XXXX {$310.00} 4 ] XXXX XXXX XXXX {$5200.00} 5 ] XXXX XXXX XXXX {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX18 ) 2. XXXX XXXX ( XXXX18 ) 3. XXXX XXXX ( XXXX18 ) 4. XXXX XXXX ( XXXX-18 )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit card or prepaid card

Discover I've been more than up front with you the whole time I've had this card, and now you XXXX  to shut down my account oh wait I forgot you already shut down my account in that you've suspended it which is basically the same thing, you have me owing over {$XXXX} dollars, XXXX XXXX dollars over the limit which did not get there by me using it but rather by your late fees and interest. 
I remind you I had XXXX XXXXXXXX and XXXX  for almost a year in recovery because I was already weak due to XXXX  to which i've been XXXX  as well, you seem to forget that I willfully closed XXXX other accounts so I could keep this XXXX going as it was my favorite, I went out of my way to keep it up to date but sometimes there are unforeseen problems that is next to impossible to correct all at once, you seem to ignore this fact also. 
What I have sadly learned from this experience is that you don't give a XXXX XXXX XXXX we XXXX  or XXXX all you care about is yourself. i trusted you, wow was that ever misplaced. 
WELL DISCOVER YOU'VE LOST MY TRUST AND RESPECT, YOUR ALL ABOUT ME ATTITUDE JUST PUT YOU IN THE SAME CATAGORY AS ALL THE REST. 
I HOPE YOU'RE HAPPY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to you in desperate need of assistance. I have been calling citibank customer service since XX/XX/year>, trying to resolve a {$890.00} refund which was refunded by XXXX but customer service put it on my promotional balance instead. 

Its now showing on my account balance and since then I have been requesting them to remove it as it was already refunded, I shouldnt have to pay that and it shouldn't have to be added to my balance. It messed up my credit score and I tried to file a complaint but they just tossing me back and forth, wait 7-10 business day, 10-14 business day, 60-90 business day. 

Here I am 6 months later, still following up. Can I please get someone to help me, not some customer service overseas that doesn't care and don't know what they are doing.
Product: Payday loan, title loan, personal loan, or advance loan

I was pushed into taking this loan for so much and when I didnt intend to get that much and I was never explained the way the interest works and now its a burden. People should be ashamed to trick the working class into thinking they can pay this much but once its final its and complete there is a lot of add one in there that werent explained either.
Product: Credit reporting, credit repair services, or other personal consumer reports

The advantage XXXX score is the worst system these credit bureaus could come up with! My scores shooting down low even after a {$50.00} increase on one of my cards! Ridiculous!
Product: Credit card or prepaid card

Fortiva Credit Card, I received a notice via email I assumed was spam. I didn't apply for a credit card, my credit file was locked with XXXX and XXXX. I received a notice from XXXX and XXXX that a new credit file was added to my account. I looked into my email with the name of the credit file, Fortiva. I did see in my spam messages that this company had noted my good payment history with XXXX, a company they previously did business with, and that from my good credit history they were awarding me the opportunity to open a new credit card with Fortiva. I didn't respond to the invitation. After reaching out to Fortiva, XXXX ( employee ID # XXXX ) on XXXX at XXXX PST, he let me know i was awarded this card due to my great credit history. I let them know I closed out my XXXX account last XXXX with payment in full to XXXX, asked them then to close my account. I was confirmed that was completed. XXXX stated that my lack of response to the email automatically enrolled me into the credit agreement. I did not sign any contract, paperwork, or verbally agree to anything with Fortiva. I didn't even open the email, i assumed this was spam. Fortiva stated 45 days from the original email, no response indicated my approval to their terms and they issued the credit from there. I didn't not agree with their assumption. I did not ask for credit nor did I give my permission to credit or any terms associated with their promotional offer. I called in and had to speak with 3 employees to get them to cancel the credit card they enrolled me in. I asked them to send me a copy of my response that initiated the credit card to be opened with my information, they said they could not send me that information. I asked for the terms where i signed anything agreeing to credit, they said my lack of response was approval for their terms. I don't agree. This must have happened to thousands of others who didn't respond to a random email from a company they weren't expecting any business dealings with. I did not give XXXX permission to pass along my information for any credit card opportunities with different affiliates in the future. I need my complaint filled here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute CenterXX/XX/XXXX XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. 
I have sent repeatably letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. Experian keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
Product: Credit reporting or other personal consumer reports

I closed the account in XX/XX/2024, the company just started adding interest to this account that was scheduled close. They also keep sending me monthly statements as if the account is still opened. I want nothing more from this company, they are scammers and should be placed in a status of OUT OF BUSINESS. I wouldn't tell my dog to ever do business with them. They have high interest rates and are considered thieves to the consumer environment. I will only pay the amount due at the time of the request for closing. I closed the account due to excessive charges and agents providing fraudulent dates to make payment.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8