23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to XXXX. XXXX was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.
Product: Money transfer, virtual currency, or money service

I am coming a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 Find Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenient and financial loss, and i seek appropriate redress
Product: Bank account or service

I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. My personal information has been breached multipletimes. Please remove these inquiries immediately. 
XXXX XXXX XXXX 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
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1

681 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 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: Checking or savings account

I am XXXX XXXX XXXX XXXX I am from Louisiana XXXX Louisiana to be exact I am invested with you from stocks and bonds and XXXX XXXX XXXX baled me to put my savings 401 k there and I saw where someone took out my 401 k and in XXXX and XXXX I was put in a savings bond with Merlin lynch I signed it through a Ms XXXX XXXX XXXX Of XXXX Louisiana the address I signed it from was XXXX XXXX  XXXX XXXX she is a major real a state owner I took advantage of this opportunity when I was XXXX by letting Merrill lynch have more years on it I signed it again and it is a role over my date of birth is XX/XX/XXXX my social is listed someone changed the name to XXXX XXXX XXXX thats why yall are in the XXXX XXXX  settlement case now can I be contacted I never had to leave this state and my information is signed in that same file cabinet with a XXXX XXXX he lived at the same address and also the uncle in this who gave me also some shares or assists was a Mr XXXX XXXX of XXXX Texas and of XXXX Louisiana ... That is separate now there is also other packages 6 to be exact ...
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a request to investigate accounts as inaccurate since two do not belong to me, and the transaction and status of the other account is incorrect : On XX/XX/XXXX, EW responded with a letter stating you had investigated this matter and found the information to be accurate. 

On XX/XX/XXXX, I requested an immediate reinvestigation of the items, as the inaccuracies severely harmed my banking profile, and I was denied a checking account based on this inaccurate information. I also asserted their requirement to furnish proof of the investigation as outlined in the Fair Credit Reporting Act, Public Law 91-506, Section 611 through D. They are to provide the names and business addresses of the individuals they contacted for verification. Additionally, I requested an updated copy of my file once the investigation was completed. 

On XX/XX/XXXX, I received correspondence from your company stating that no further investigation was completed as I did not provide any new information. 

On XX/XX/XXXX, I sent an additional letter explaining that I had read the disclosure provided in the previous letter, which suggested that I reach out to the bank to verify information and resolve reporting issues. However, according to FCRA Section 611, it is your company 's responsibility to investigate my claim and retain proof of your investigation, and I have not been provided proof that the company verified any of the accounts or the information that I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay Experian to monitor my credit file. And even though I pay Experian for online access to my account and to dispute items online, Experian blocks me from disputing online a fraudulent account being reported by XXXX/XXXX XXXX XXXX. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to XXXX/XXXX XXXX XXXX reporting of a mortgage paid late allegedly owed by me. I contacted Experian on XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX, XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, XXXX disputing the account to XXXX and Experian and providing them both police reports they say they never received. 

Under the FCRA fraud victim rights, when a credit bureau/ credit reporting agency is notified of an account as fraud the account is supposed to be blocked by that agency/bureau during the  investigation. Upon receiving proof of the item as being fraud it is to be removed. 

I provided Experian with a police report that identified XXXX/XXXX XXXX XXXX as fraud. I also disputed it with and provided letters of dispute sent to XXXX XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

Experian sends me a dispute completion notice stating that I should have known this account and that they verified it as mine when I AM THE VICTIM OF FRAUD. I tried numerous times to continue my dispute via online but I WAS BLOCKED EVEN THOUGH I PAY THEM FOR THIS SERVICE. 

Under the fraud victim rights according to the FCRA, I a entitled to have this account blocked as I have identified this account as fraud and I have provided a police report indicating such. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to Experian in reporting of this fraudulent account as it is defaming and willfully harming me as a consumer. I also requested a personal statement be added to the XXXX account in my credit file specifically stating that " XXXX account is Fraud ''. 

I provided Experian with the cease and desist I also sent to XXXX/XXXX  XXXX XXXX in their reporting of this fraudulent account to Experian.
Product: Mortgage

On XX/XX/18 we purchased a home from XXXX 's in XXXX TN, which was financed through Vanderbilt. The house was delivered but not completed by the Seller / contractors. The mortgage company funded the loan anyway, with the statement " the house is on our Property ''. With no check and balances put in place the released the funds. Still to this day we have work to be done, damages. We are paying the lone since XX/XX/18 faithful with no resolution. I will attached documents in referance to the issues we having.
Product: Credit reporting or other personal consumer reports

I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with ( XXXX XXXX XXXX ** ). 
To my complete and unbiased knowledge ( XXXX XXXX * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C . 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. 
I am expecting a response from you within 14 days from the date you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dish network is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX and this needs to be removed immediately.
Product: Credit card or prepaid card

I have reached out called and messaged Discover on several occassions asking to remove a 30 day late payment that was not 30 days late. They just tell me it is their obligation to report proper info to the credit breau but what they are reporting is incorrect. I am a long time Discover bank customer they are going to lose if this can not be fixed. 
XX/XX/2021 it was reported I was 30 days late I called and the company refused to correct anything I have made several attempts calling and writing letters
Product: Debt collection

I have filed multiple complaint against company XXXX XXXX in the past few months. The first was a request to validate XXXX alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, XXXX has to provide XXXX parts when a consumer request a validation. The company only satisfied only XXXX of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like XXXX XXXX. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.
Product: Credit reporting or other personal consumer reports

I got an email from XXXX XXXX about my credit report showing a hard credit inquiry on XXXX XXXX, 2025 from XXXX XXXX Bank. I immediately noticed this was not me and contacted XXXX XXXX Bank where I was told that a Hard Credit check was made by ( someone ) ( somewhere )- Not myself, for a credit card. It was approved for {$8000.00}. They could not acquire an account number for me but could give me the last XXXX digits of the credit card they approved being : XXXX. The agent 's ID number is XXXX and she told me the XXXX department opened an investigation and cancelled the card/account and would contact me in XXXX business days. This XXXX inquiry has already reflected on my XXXX score report and has created loss in rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 i wen thru acima to get a qualified for a loan on a table, they approved me but the table never came, they immediately started taking money from my account, which they had to reimburse me back because the table never came, I still dont have the table, Im trying to buy a house and it showing up on my credit report, I immediately called acima again and spoke with the representative and the supervisor. They said they are aware that I havent received the table and I was told the case is close. I asked them if they can send me a letter stating that the representatives said they dont have a letter that will state that but I can dispute it and they want fight it, I need help this company put something on my credit that I never received and its going to cause me to pay out more money or I want qualified because of this loan
Product: Debt collection

On XX/XX/, Leviton Law Firm , Ltd. sent me a debt collection letter for {$19000.00} to " XXXX XXXX XXXX '' at my home address on behalf of their client, XXXX XXXX XXXX, XXXX. The letter states they've tried to contact us multiple times as well as through a debt collection agency, and that if I don't respond in 10 days they will have no other choice than to advise XXXX XXXX XXXX to take appropriate measures to enforce their rights. 

On XXXX XXXX XXXX, I called and spoke with XXXX XXXX, the Leviton Law Firm Account Representative. I told XXXX that I have never done business with a XXXX XXXX XXXX, XXXX, to my knowledge. I asked for more information about the company since my XXXX search only resulted in a company that deals with property management and is not accredited by the XXXX XXXXXXXX responded that this has nothing to do with the matter because my name is not XXXX XXXX XXXX. XXXX added that it sounds like they ( Leviton Law Firm ) have the wrong address and he advised me to destroy the letter. I asked why I needed to destroy the letter. XXXX responded that if I didn't want to destroy the letter, then I could just pay the debt, and he hung up.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX 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: Debt collection

My complaint is with XXXX and XXXX debt collections in XXXX Illinois. I have made the payments to them past couple months. I made a payment on XX/XX/year> of the amount of {$200.00} and then I made a payment on XX/XX/XXXX of XXXX  at the amount of {$200.00}. On XX/XX/XXXX of XXXX  They called me and said that I have not made my XXXX payment. I said why cant you just moved one of the {$200.00} that I paid in XXXX to the month of XXXX and then Ill think its good and they said sir we can not do that. I just need some help please somehow my number is XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, these entries are unauthorized and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts US DEPT ED - XXXX - XX/XX/XXXX - {$28000.00} US DEPT ED - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX  - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I entered into a loan contract with Mosaic, Inc.which funded my solar project for my home in XXXX, 2022. The loan number is XXXX. I have repeatedly tried through telephone calls and emails to get a correct answer to no avail. I need a senior loan officer or supervisor in charge to assist me. The respresentatives with whom I can spoken to or was emailed by simply have not resolved the issue. 

The siutation is as follows : I pay more than the monthly payment and the excess should be credited towards principal and that is not happening. I called the compan again today and asked for a senior loan person and was disconnected. Before I was disconnected while the representative transferred me definitely did not know what he was talking. Based on our brief discussion, it appeared that he had litle or no finance experience. I asked to have a senior loan officer or supervisor in charge that could explain why my principal was not being reduced. The statements online clearly show a credit balance but it is not being applied correctly. I asked this representative when someone might call me since I have been emailing and calling to get a resolution for the past three months. He replied that he didn't know when anyone woudl cal me back and, frankly, made no effort to help me resolve the issue. 

These companies are taking advantage of consumers and do not fully explain why paymnets are not being applied correctly. They need to be held to a higher standard and should comply with a consumer 's request. I would like a resolution as to why my excess payments are not being applied to principal.
Product: Credit reporting or other personal consumer reports

Something's wrong with the experience system and when I try to set up an account online on their website it says that I can set up account and said that I already have an account which I didn't and don't so what I did was I went to forgot password and and it tells me that the information is not in your system which doesn't make sense cuz it just told me that I had an account so I have not been able to get my credit report from Experian but when I go to the free annual credit report I'm able to get my experience credit report from there so I don't know what's the problem and why it's not allow me to get it from their website or allow me to set up an account I also want to update experience records with my new phone number so I attached a phone bill for my XXXX phone bill with my new number and address for verification so they can update that information in my credit profile
Product: Debt collection

Paramount recovery systems is not license or registered in the state of Florida to collect debt in the state of Florida where I reside. I will also be filing a complaint with my state Attorney General in the FTC. Please see attachments to show paramount recovery systems current active licenses and registrations in the state of Florida is not listed.
Product: Credit card or prepaid card

The account was closed two years post-bankruptcy, without any communication to the customer. The closing comments on the account state that the account was closed due to bankruptcy, with a closing balance. However, the account is not listed on the bankruptcy articles.
Product: Debt collection

I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Mortgage

I am concerned that I received an email from my homeowners insurance company that LoanDepot has not paid the insurance premium via escrow. I tried to call LoanDepot and inquire however no CSR could find our information. 

Out Mortgage Loan # XXXX The property address is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please advise.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX