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

XXXX XXXX XXXXr filed falsely for child support in the state of New York City and wasnt suppose to be obtaining any payments because my son doesnt reside with her at her residence or nor does she has legal custody which is documented in the family court legal system in the state of New York XXXX By the time newyork rectified the situation it still was a permanent charge off on my credit report after all these years I am process of buying a home and would like this to be immediately removed
Product: Credit reporting or other personal consumer reports

XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal. the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate.
Perplexing me, is that I did not give XXXX authorization to share my information with XXXX, Equifax and XXXX.

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( Arlinda Blackwell and the person making the report ( XXXX ) I have asked that ( XXXX ) cease and desist reporting inaccurate information to XXXX, XXXX and Equifax unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment regarding the accuracy of my personal information in your records. As a valued customer of your organization, I expect that my information is maintained with the highest level of precision and attention to detail. It is imperative that the necessary steps are taken to promptly update your records with accurate information. Failure to do so may result in legal action, as inaccurate data can have significant consequences on both my records and credit report. I trust that you understand the importance of this matter and will take immediate action to correct the inaccurate information without any delay. 

XXXX 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

XX/XX/2018 for an amount of {$130.00} debt collection was placed on my credit. I received 0 notification about such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 {$720.00} PLACED FOR COLLECTION XXXX XXXX  COMPAN ORIGINAL CREDITOR XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT
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 regressor these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX from a seller on Venmo named XXXX XXXX after discussing the terms of purchase through the app XXXX  for the amount of {$960.00}. An important note is that I used the Buyer Protection feature in Venmo which states that money for a product not received or received not as described will be refunded, and the seller has gone cold since the XXXX. On the XXXX I decided to file a dispute with Venmo because the seller hadn't provided shipping information. Venmo said they would investigate and provide a solution with 7-10 business days, but their time has run out. After speaking to them today, they said that they haven't reached a conclusion and that 'investigation ' may require more time. There isn't anything to investigate other than the seller just scammed me from almost a grand, and I'd like my money back from Venmo.
Product: Credit reporting

I received my credit report from Experian. I have proven that the company Experian tells customers that they conduct these sophisticated investigations that they require so much time to complete. They even have the gall to send out letters informing customers via mail they they need additional 15 days to do some research. In XXXX specific case they need the customer on the phone to be able to confirm the customer 's identity, so this company lies to customers. I want all references off the credit report that would make the line of credit 7 years or more. Every citation to XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. The FCRA required that only " Accurate, Timely and Relevant information be on a personal credit report, so that decisions can be made on credit worthiness can be made. '' ( Paraphrase ) I expect this done without delay nor excuse. All these items are out of date and need to be removed. In addition all school loans were consolidated at 3 % under President Obama 's XXXX program. I only have to pay XXXX payments under income sensitivity I already received the first XXXX payment free. XXXX XXXX
Product: Mortgage

My monthly payments to Dovenmuehle ( loan XXXX ) is {$2200.00} and was due on XX/XX/2019. If I fail to pay by XX/XX/XXXX, I am subject to a {$91.00} late fee and possibly issues with my credability. I made an online payment from by checking account at XXXX XXXX XXXX bank for the {$2200.00} on XX/XX/2019. Since this is an electronic payment, Dovenmuehle should ( and usually does ) receive the payment by the next business day, which was XX/XX/XXXX. The full amount of {$2200.00} was deducted from my checking account XXXX at XXXX XXXX XXXX bank on XX/XX/2019 with an entry " BP-Dovenmuehle Mortg Conf # - XXXX '' See XXXX XXXX XXXX Statement attached ). However, on XX/XX/2019 and to my surprise and dismay, I got a call from XXXX at Dovenmuehle 's Collections Department saying I failed to make the XX/XX/XXXX payment and that I now owe them the {$91.00} for the late fee. I told XXXX that I paid Dovenmuehle on XX/XX/XXXX. She later confirmed this. I asked her to investigate why I was being called when I in fact made the payment. XXXX was unable to help. 
Then, on XX/XX/XXXX, Dovenmuehle finally issed a statement ( see attached ) to reflect my XX/XX/XXXX payment ( this is usually done only a couple of days after I pay ) saying I made the XX/XX/XXXX payment on XX/XX/XXXX. No where does it say in the statement or elsewhere that my payment was timely. 

I need a written statement from Dovenmuehle that my XX/XX/XXXX payment was timely and not subject to a late fee and was received well before the XX/XX/XXXX payment. I also want investigated whether this behavior on the part of Dovenmuehle is in any way retaliatory or connected with my recent application for loan modification to XXXX XXXX at Dovenmuehle due to me being unemployed and being the subject of another complaint I am making to Dovenmuehle. In other words, this instant unusual behavior seems to occur just after I applied for and then appealed and was denied a loan modification due to my long term unemployment, and my subsequent complaint to XXXX and XXXX. I would like to know if they are bullying me as a result and if I shluld expect more of this kind of behavior from Dovenmuehle in the future.
Product: Checking or savings account

I received a message of a fraudulent charge that wasn't fraudulent. I used the text system to say that it wasn't. Then I tried to use my card for a few purchases and it would not let me use my card. They sent me to 3 different people all telling me the same thing. I love US bank because of the convenience and the customer service is great when it works, it just takes forever. And the constant shutting off my card is an embarrassing experience.
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 Electric 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

My XXXX account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to XXXX.
Product: Debt collection

Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX  Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> i made a purchase through hotel collection for some reed diffusers. Later that day I received a call from their marketing team to enter into some kind of program. Once i found out it was a XXXX month commitment, i told them to stop and that i was not interested at all. Then on XX/XX/year> i received an email saying that my application for a loan was approved. To be clear, i informed the company i did not want to proceed with this XXXX weeks ago. I believe they fraudulently signed me up for this program despite rejecting their offer.
Product: Debt collection

To Whom This May Concern : I have filed a dispute and complaint about this company several times and not action has been taken. I have filed an identity thief affidavit, military orders, and letter from my command stating when this loan was taken out in my name, I was XXXX. Absolute Resolution has not conduct a thorough investigation. They are stating it is accurate based off my name, DOB, and SSN when I have provided legacy documents several times. The original lender XXXX XXXX is reporting it as identity thief.
Product: Checking or savings account

Cibc aswell as XXXX XXXX refuses to reimburse me for transactions not authorized. 

THEY ARE MAKING ME WAIT 56 days to get a response. First they said 2 business days then its 3 months.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and these accounts and inquiries are a result of this crime. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Twenty months after paying off my loan in full, Great Lakes added {$13000.00} to my loan balance. They said the money was a fraudulent payment ( it wasn't ) so they sent it back to the bank. I never received the money back. They refuse to tell me where it was sent to past that. The money has disappeared. Now I have a large balance on my student loan, and my missing {$13000.00} is nowhere to be found.
Product: Consumer Loan

I responded to an advertisement on the radio of a car dealership that would offer a no down payment guarantee loan for anyone who works in the XXXX XXXX field. I was able to purchase a vehicle ( Nissan Altima XXXX ) in XXXX XXXX. The listed price was {$16000.00}. I have been making monthly payments of XXXX. I have been struggling since the healthcare law making it mandatory to have health insurance started. My employer plan is costing me over {$650.00} a month. I am behind on my payments and the company took my car on XXXX/XXXX/XXXX. I contacted them and was told in order to get my car returned I would have to make a payment of {$2400.00} with another payment of {$450.00} due on XXXX/XXXX/XXXX. I must pay the towing company {$30.00} a day for storage also. The company charges me {$10.00} to speak to them in the phone and {$30.00} if I make a late payment. Then I will still continue to make monthly payments of {$450.00} for approximately 4 more months. I am working full time with the ability to get overtime but now I have no transportation. I will have ended up paying over {$30000.00} for a used vehicle. I am living paycheck to paycheck. I am also a single mother that has raised XXXX XXXX sons. I understand that I have a debt but I also feel that I have been overcharged in this purchase. My credit was not great after I lost my house in the housing crisis. I am paying rent, utilities and taxes. I work hard and have not taken any time off in years.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several in accuracies on my account. 
This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items i am asking you to verify as accurate XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT XXXX XXXX I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account Equifax- reporting open account and 120 days late, XXXX and XXXX reporting past due amounts this is a violation of FCRA and also in violation of requisite XXXX  XXXX complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Mortgage

i have tried for months to get a payment history from the mortgage company to find out why they state that i am 4-5 months behind, when i call them on the phone i get different responses on the amount of months I asked several times for them to send me my payment history, but they refuse to when i do make payment arrangements to catch up i get another notice that i am still behind several months i make my payments on a monthly basis. and yet i am still behind. i also wonder why they will not remove all the late payments from my loan the negativity goes back multiple years, and they refuse to remove the late payments it is affecting my credit score to the point where i can't get any good rates on a loan
Product: Credit card

yes me and my mom have a walmart master card.my moms XXXX years old XXXX and has a hard time talking on phone. we just made XXXX purchaases. on line at XXXX?? and another charge at local food store??? thouse XXXX things only charged. tried for some cash at a atm machne would not go thru???? we had ge capitail bank with card before synchrony bank took over at wamart???? we never had problems with ge capital and used card many years.they sent us a letter stating that they placed a restriction on our account toomake sure no fraud occuring???? this is a joke and were about too cancel account. i contacted the XXXX. but have not heard anything from XXXX????? i also told XXXX that im about too get power of attorney on moms bills this week?? im her son and caregiver past 3 years now???? and we dont need too be upset by all this fraud XXXX???? my mom lets me usecard all the time/ moms name XXXX by the way.also the letter we got in the mail from there fraud dept. you can have them call me XXXX XXXX her son at XXXX cell but till i ge power of attorney they might not want too talk with me??? up too them
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE, AND UNVERIFIED. ALL OF THE ACCOUNTS LISTED HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUS DATE AND THE PAYMENT HISTORY IS INACCURATE BETWEEN, EQUIFAX, XXXX, AND XXXX. THIS IS A VIOLATION OF THE FCRA AND THESE ITEMS ARE TO BE DELETED IMMEDIATEY FROM MY CONSUMER REPORT. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THIS IS INACCURATE & A VIOLATION OF THE FCRA. THE ACCOUNTS REPORTING MUST BE CORRECTED AND UPDATED TO " PAID ON TIME, NEVER LATE, PAID AS AGREED IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX