23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Allegedly, I enrolled into TransUnion and attempted to put a lock/freeze on my credit report. That feature will not work. I looked for a fraud alert capability and could not find one. I feel I paid for a defective service which makes me wonder what else does not work. I enrolled in XXXX and XXXX. The results are better at XXXX and XXXX is superior to both XXXX and TransUnion. I did the XXXX signups to compare them. I 'll likely drop XXXX and stay with XXXX service. I rate them as XXXX is Superior, XXXX is Average and TransUnion is Below Average. So, if you are a D student and enjoy being stupid, TU is for you. If you do n't care but feel you need something, and have realized services like XXXX are worthless money grubbers ( allegedly, and they were class action sued for being a poor service ), but you are smart enough to know you need something to protect yourself, the XXXX is for you. If you respect yourself and you want the best service for your own benefit, then XXXX is your best choice out of the XXXX services. Remember, it 's only getting worse. Also, beware of people or companies who can file and grant you credit with or without a good credit report. So, the insurance offering is a good thing. Please email your congressman, state and federal, and force them to classify identify theft as a major felony with minimum sentences equal or higher to XXXX, XXXX and people who commit treason. Literally, do n't let people who steal peoples life savings and XXXX up their lives get off easy. Make it a life sentence or if severe enough, XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX 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 consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the afore mentioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to have XXXX, Experian, and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
Product: Debt collection

I am currently in XXXX XXXX Bankruptcy. I do not have any documents from the third party collection agency Peritus Services. I have made several settlement offers via phone. They have aggressively told me they don't want any settlement, they want the auto. I have repeatedly ask for documentation of the alleged debt amounts. I was told aggressively again they don't have to give me any documentation. I have a right to request this information. The disputed debt from Peritus for verification of what the debt amount. I also have the right to verify that they have not put or placed inflated interest fees for their own personal gain. Instead they are being forceful with me in every attempt I make to settle this debt matter. Unknown to me They filed court papers in a attempt to have my XXXX XXXX  Dismissed. The Judge denied their court request. I again attempted to resolve this matter by offering to have a written settlement agreement offer. of {$600.00} amount for 12 months paid in full on the 12th payment of {$600.00}. I want an agreement with Peritus Services. They don't want anything in writing they want a verbal agreement. I want to make sure they don't not try to add additional fees or monies. I want my title clear and free. As a consumer I need to protect my interest in this disputed debt matter. How can I protect my interest, Credit reporting etc. I want a fair and comprehensive agreement, Acceptance of the Settlement debt shall immediately discharge all disputed debt of the Debtor. 

If they do not want monthly agreement. We can settle the disputed debt with {$5000.00} paid in full and the auto title clear and free. Credit reporting paid in full and debt shall immediately discharge all disputed debt of the Debtor
Product: Credit card or prepaid card

I MADE AN ONLINE PURCHASE XXXX FOR AN UPCOMING BIRTHDAY I NEED. THE ITEM FOR DAYS SHOWED " PENDING '' WITHOUT ANY SUCH MOVEMENT. I REACHED OUT TO THE COMPANY BY EMAIL SEVERAL TIMES STARTING ON XXXX ASKING ABOUT SHIPPING. ON XXXX I EMAILED THE COMPANY BACK ADVISING THEM TO CANCEL THE ORDER AND EFFECTIVE THAT DAY AS WELL XXXX THEY WERE NO LONGER AUTHORIZED OR PERMITTED TO CHARGE MY CARD, AND ADVISED IF THEY IT WOULD BE CONSIDERED ILLEGAL AND FRAUDANTLY. I ITEM WAS NEEDED FOR A XXXX BIRTHDAY ON XXXX AND THIS COMPANY ADVISED A TENATIVE SHIP DATE OF XXXX AFTER THE GIFT WAS NEEDED. SO ON XXXX I NOTICED AFTER REVIEWING MY ACCOUNT THIS COMPANY HAD WENT AHEAD AND ILLEGALLY CHARGED MY GOVERNMENT ISSUED UNEMPLOYMENT DEBIT CARD 7 DAYS AFTER BEING ADVISED THEY WERE NOT AUTHORIZED TO CHARGE ON MY DEBIT CARD ENDING IN XXXX. AFTER I NOTICED THIS CHARGE I CONTACTED XXXX DISPUTES AND FROM THAT POINT FORWARD IT HAS BEEN NOTHING BUT A DISASTER WITH KEY BANK NOR DID THEY PROVIDE ME WITH A PROVISIONAL CREDIT WITHIN 10 DAYS OF FILING THE DISPUTE. SO FORWARD TO BEGINGING OF XXXX XXXX I CALLED INTO KEYBANK DISPUTES TO CHECK THE UPDATE/STATUS AND THE MAN TELLS ME THAT ON XXXX XXXX THE COMPANY PROVIDED DOCUMETATION OF THE ITEM BEING DELIVERED- THAT WAS NEVER THE CASE- THE DRIVER LEFT MY DRIVEWAY WITH THE BOXES IN HAND. I ASKED WHY I WAS NEVER SUPPLIED THOSE DOCUMENTS I AM ENTITLED TO VIEW AND SEE WHAT WAS NEXT TO DO. THE MAN ADVISED ME THAT IF I COULD FID SOME DOCUMENTATION SHOWING OTHERWISE I COULD SUPPLY THAT. I REACHED OUT TO XXXX AND EXPLAINED THE SITUATION AND ASKED IF THEY COULD PROVIDE ME SOME DOCUMENTATION SHOWING IT WAS NEVER RECEIVED. ON XX/XX/2021 I FAXED KEYBANK THE DOCUMENTS I WAS ABLE TO GET FROM XXXX AND THEY STATED THEY WOULD LOOK INTO THE CASE WITH THE NEW DOCUMENTS SUBMITTED. SO FROM END OF XXXX UNTIL TODAY XXXX KEYBANK HAS DONE NOTHING LIE AND XXXX ME SINCE XX/XX/2021 ON THIS DISPUTE. SO ON XXXX I REACHED OUT AND SPOKE WITH SUPERVISOR " XXXX '' HOW TELLS ME I'LL CALL YOU TODAY OR TOMORROW WITH THE STATUS UPDATE BECAUSE SHE NEEDED HER STAFF TO REVIEW IT. WELL " XXXX 'S '' PHONE CALL NEVER CAME. HOWEVER, I DID ASK HER FOR A NUMBER O HOW I COULD REACH HER AD SHE PROVIDED WITH SOME ODD PHONE NUMBER AREA CODE " XXXX '' I DID LEAVE A VAGUE MESSAGE ON SOME KIND OF VOICEMAIL ASKING FOR A RETURN CALL AND NOTHING. SO TODAY XXXX I REACHED OUT AD SPOKE WITH SOMEOE ASKING THE STATUS AND ADVISES ME THE CASE WAS CLOSED YESTERDAY XXXX AND IT WAS OVER THE TIMEFRAME FOR ME TO RECEIVE MY FUNDS BACK!!!!!! SO I'M CURRENTLY OUT {$420.00} FOR THE NON RECEIVED ITEM AND {$420.00} IN CASH ( LIQUID ) THAT WAS PAID OUT FROM MY DEBIT CARD THAT THIS COMPANY ILLEGALLY TOOK SEVERAL DAYS AFTER THEY HAD BEEN ADVISED NOT TO TOUCH MY DEBIT CARD.
Product: Debt collection

After repeated threatening phone calls from Southern Mgmt Systems I asked to not be only contacted through written correspondence. I guess they didnt like that and have proceeded to contact family members divulging my personal information. XXXX XXXX, falsely told my family members that I provided their names.
Product: Credit reporting

There is a US Department of Education ( Direct Loans ) account on my Experian credit report that shows past delinquency. This is inaccurate information. I disputed the account with Equifax and TransUnion, and it was promptly corrected. I have attached a copy of the dispute results from XXXX. Experian refuses to reinvestigate the account, stating that they previously verified it in XXXX 2013. The dispute from 2013 is unrelated to my current request. This account is no longer serviced by the Department of Education, as it has been transferred to XXXX. I would like for this account to be deleted, or for the delinquency to be removed.
Product: Mortgage

I owned a house in XXXX, MN. There was a major flood in XXXX and the house was destroyed. There was no flood insurance but there was PMI. I initially contacted XXXX ( my original mortgager ) and tried to do a deed in lieu of foreclosure. They denied this and sold my debt to a debt collector. It is currently with Select Portfolio Servicing , Inc, who has agreed to do a short sale with the city of XXXX, who has offered to purchase the property in a community development drive. Since Select Portfolio 's agreement to do a short sale, I have - at their request - provided them with bank statements, financial statements, copies of my XXXX, agreement letters from the city of XXXX, etc. Each time I send the information, they say there is something missing, or a date needs to be changed, or whatever else they can come up with. I provide the corrected info and they ask for it again and state that they did n't get it all together in time. I continue to provide what they ask for, but the end result continues to be that they run out of the allotted time amount and I need to start all over again. I have had everything they requested turned in on time but they say they always run out of time. I do not know how to get them to follow up on the sale and am very frustrated. The city of XXXX and the closing company involved with this have been very good to work with over this 3 year debacle but I am at my wits ' end. If there is anything you can do to assist, I would be very appreciative. Thank you!
Product: Vehicle loan or lease

I had a problem with the Wells Fargo, and was trying to figure out exactly how to go about back benefit reimbursement
Product: Vehicle loan or lease

The term of the loan was 72 months and this company changed it to 73 months plus add late fees and interest at the end of the loan. when i asked them about these charges, a representative XXXX told me that it was because I changed the payment date twice.
Product: Debt collection

XXXX XXXX XXXX {$2700.00} XX/XX/18 XXXX XXXX XXXX {$110.00} XX/XX/18 XXXX XXXX {$190.00} XX/XX/18 Never received validity of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent responded saying they contacted XXXX XXXX  and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!
Product: Debt collection

Midland Funding took me to court and after 3 court appearances the judge dismissed case with no Prejudice. I sent in court docs to all XXXX credit bureaus and they will not take off and Midland is calling and sending docs trying to still collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$89.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a police report of a burglary which resulted in my identity theft back in XX/XX/XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for over a year, I only had an account with this company that Equifax is reporting in XXXX and XXXX, both of the loans were paid off. 

I see that they reported a charge off from XXXX or so which absolutely doesn't make sense. I keep asking them to provide the method for their verification so I may sue Equifax if need me. I have no memory at all about this alleged account. 

I did go to the police to report this a couple of months ago and due to the fact that I do not have absolutely any memory I am asking for a real investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, To whom it may concern, Please immediately delete the account " XXXX '' for the following FCRA violations : Failing to report the DOLA or Date of last activity. 

Failure to report the creditor phone number, this account can not be verified. 

failure to report the date closed. 

Failure to report the account number. 

I have mailed Equifax a dispute letter regarding these items, however they are still illegally reporting this account with the above FCRA violations. See attached tracking number.
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 XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX.
Product: Checking or savings account

I was unable to use my debit card in the store as it kept saying my debit card was unavailable. I didnt receive a pin and the person kept telling me my debit card was fine as it was not. I was hung up on and had to call several times and to get help and was not. I couldnt even purchase groceries and had to use my non Truist bank account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX {$2400.00}, XXXX {$3700.00} opened XX/XX/XXXX, XXXX XXXX  {$2700.00} opened XX/XX/XXXX, XXXX {$6300.00} opened XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to the 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

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2020
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX 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

We have a high-yield savings account with Ally Bank XXXX We ordered a cashier 's check in the amount of {$26000.00} on XX/XX/XXXX to bring to a home closing. On XX/XX/XXXX we contacted Ally after seeing that the refunds were withdrawn from our account to ensure that the check was in route. At this time we learned that the check ordered had the incorrect payee ( I, the account holder was listed as the payee and not the closing attorney ). I attempted to have Ally correct this but they said that they could not pull the check as it has already been processed. I consented to the check being sent with the wrong payee information as I could endorse the check over to the correct party as the named payee. 

The concerning & devastating part of this came later on XX/XX/XXXX & XX/XX/XXXX when Ally couldn't tell me where the check was. On XX/XX/XXXX, I finally received a tracking number from XXXX that stated that a label had been created but the package not received. Since this was escalated to be shipped via XXXX XXXX XXXX -- I called Ally as I was concerned about the location of the check. They insisted that the check was in the possession of XXXX. After insisting to speak to a supervisor -- they were able to glean that somehow the check was in the process of being pulled back from the mailing department, that the tracking number is actually invalid, and that we're required to wait until they are able to pull back the check from their mailing department to get our money back. 

They are unable & unwilling to return the money back to our account despite the fact that this is their error. We're out of {$26000.00} with ZERO information on when we can expect our money to be returned. We don't have enough money in our account to close on our house. Ally says that we have to wait XXXX business days to hear back from the next tier of customer service ( XXXX Customer XXXX XXXX ). 

This is absolutely devastating. We are mind-blown by Ally 's incompetence and that they truly don't care that they can't find our check, and are totally unwilling to return our funds to our account -- despite the check still being in their building & system. They've wrecked our closing and truly seem to don't care about our {$26000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX 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: Student loan

I have been paying my federal student loans since XXXX. I started paying {$300.00} per month. I tried refinancing in XXXX with a private lender thinking that somehow I could save money but quickly went back to Sallie Mae. Year after year I was directed to apply for a forebearance/deferment ( I have no idea which is which ) since I could not make the $ 600+ payment that showed due at that time. Meanwhile, interest continued to mount. Finally in XXXX I was instructed to enroll in the income driven repayment plan. This should have been the original option given to me.
Product: Debt collection

In late 2018 I somehow have a debt for some medical services that should have been paid by the state system
Product: Mortgage

After a deal for a loan fell through for finance on a house the finance person XXXX XXXX XXXX called the VA and misrepresented herself to obtain information on my previous history with the VA. She then posted an email online claiming that I lied, defrauded the government, that i somehow convinced a person at the VA to go into the system and change information for me. I started working with XXXX XXXX back in XXXX 2015. She in later passed my financial package on to another person in her company who later, around XXXX XXXX, 2015, that a financial deal could not be reached. Later XXXX XXXX called the VA representing herself as if she was still involved with me on obtaining financing for housing.