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

For the past year I have sent a letter to XXXX  and to transunion regarding a request to investigate things that i deemed to be inaccurate or incomplete. XXXX has been responding back with a letter with the most recent one being sent on XX/XX/year> and Transunion mailed a letter to me with the date of XX/XX/year> saying that it was not me and that it was from a third party. I mailed this from my own house and I do not know why they don't think it's me when I'm trying to fix my own credit. I'm trying to get these inaccuracies removed so that I can buy a home.
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX XXXX, Attorney General, and FTC
Product: Debt collection

XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX  University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.
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 XXXX XXXX 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: Mortgage

My name is XXXX XXXX, on XX/XX/2011, I received an offer from Green Tree Bank ( 2nd. Small amount Loan ) They offered me to pay {$20000.00} as settlement in full on the account, and they will applied to our remaining balance of {$77000.00}, so I took the offer and it was sent by wire transfer the amount to Green Tree from my account in XXXX XXXX, the amount that they were requesting so I verified by phone with a Green Tree Bank specialist the amount and the receipt of the money, and they were supposed to send me a payoff letter or release the deed of trust mortgage, I waited and called many times requesting these documents but never sent me anything, Green Tree Bank closed their operations in U. S. 
I am still wondering how can I have the release, no one gives me an answer I called many times to explain this situation to many numbers, right now Im in a process to get an Home Equity Loan with XXXX but now they said that a have a Lien in the record of my property that needs to be resolved of $ XXXX which was the original amount of my mortgage with Gree Tree Bank, so that looks that they never process the payoff and release the deed, Im confused right now because I dont know what Im supposed to do, which company I should call. Green Tree bank was sold to Ditech bank. Ditech bank was sold to XXXX. I have called XXXX and they do not have any records, however, they are working with XXXX XXXX and XXXX XXXX. Please help me resolve this problem and get the release letter or remove the Lien. I will send you proof of the payment and the letter of the agreement we made in 2011. 
Please if any additional information is needed dont hesitate to contact me anytime to my cell phone XXXX or via email to : XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is an elaborate mechanism that has used criminal acts to violate my privacy. EXPERIAN has committed identity theft and broken the laws put in place through sharing my federally protected information as a consumer with third parties, including XXXX, XXXX and XXXX 'S, without my prior consent. EXPERIAN assumed a grave responsibility in their role as a consumer reporting agency, and has failed in their obligation to report accurate information that is fair and equitable to myself as a consumer. I am a creditworthy person with excellent reputation. I have lost my faith in the banking system and refuse to extend my credit when EXPERIAN continues to furnish information of fraudulent credit utilization, credit scores, and balances that do not exist. 

I have attached my credit cards for identification purposes.
Product: Credit reporting or other personal consumer reports

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


XXXXXXXX XXXX XXXX states I owe {$460.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX and XXXX have removed the fraudulent items. I do not shop at the places listed. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other two credit reports.

I have disputed these item with Experian to no avail however the other two credit reporting agencies have removed the fraudulent items. I would like Experian to please do the same.
Product: Debt collection

I sent Navient a Cease and Desist letter on XX/XX/2021 however, they continue to contact me in the mail. Attached is a bill they mailed me on XX/XX/2021 which violates multiple U.S. codes of the FDCPA. 

Exhibit A violate

s 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ). Exhibit B violates 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ). Exhibit C violates 15 USC 1692b. ( 5 ). Exhibit D violates 15 USC 1692b. ( 2 ).
Product: Credit card or prepaid card

The customer service agent on XX/XX/XXXX put down the wrong date for the auto pay which because I am on XXXX XXXX XXXX doesnt mean I will always have the funday by the 73 date on the 10 to ensure I have the fund paid by the date the 10th I wanted to set up the payment by the 1 or 2. The lady lied and said that it can be on the first but that that case. I wouldnt of signed up for it otherwise. Due to expensive medications I am on funds will not always be in my account. The calls can be recorded. This says caused 2 late payments and closed both of my credit cards. They are claiming this is fraud when it was their fault. I told them I am on a limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or inaccurate.
Product: Checking or savings account

Someone accessed my account, moved money from saving to checking, then submitted XXXX telechecks against my account to XXXX totaling {$5000.00}. They also tried to open a car load, and additional accounts at XXXX and XXXX online banking institutions. All transactions and accounts have been stopped, closed, or disputed. No money actually was stolen, but now have 30 letters from a Collection Agency ( TRS Recovery Services XXXX Inc ). They are trying to collect the money from the me for the disputed charges to XXXX from me. The letters were received only XXXX weeks from the attempted transactions to my account. My credit was frozen as soon as I learned of the attempt on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax have the wrong address on file! update my address to the correct information because I can't get insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. Lexus nexus and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.
Product: Vehicle loan or lease

I received my statement from Consumers Portfolio Services , Inc. Expecting to only see my total of my last car payment I noticed a late fee of {$140.00}. I XXXX  on XX/XX/XXXX of 2022. Expecting to see my social security in XXXX that did not happen until XXXX of 2022 along with waiting for my federal income tax placed me behind with all of my bills. I called consumers for an explanation. Not only to find out that when paying my car payment every XXXX weeks for that money to be sent to my principal payment consumers has been changing me an occurring late fee, and fees assessed of which I have no idea what it is for. As expressed, when speaking with consumer a payment promises {$800.00} on XX/XX/2022, was paid. Those payments were for XXXX and XXXX of which were paid by my sister-in-law. I made another payment on XX/XX/2022, of XXXX plus late charges of XXXX beginning that total to {$630.00}. Consumer took my extra money of {$34.00} and paid a fee. The balance owing to Consumers is only {$380.00}. Please look at this statement attached. I have well over paid Consumers Portfolio. 

Sincerly, XXXX XXXX
Product: Checking or savings account

in XX/XX/XXXX, I called the customer service XXXX # at PNC Bank to request the balance in my account with PNC Bank the customer service representitive told me my balance was XXXX it was in an account called the reserve account. the teller asked me if I wanted to tranfer some to my Spend account also known as the checking acct. I asked her at that date in XXXX, XXXX to tranfer the total amount to my checking or their term for term is spend account. she asked me if I wanted to leave any of that amount in the spend I asked her to leave {$36.00} in to keep my account open. she reassured me of the above {$7200.00} was transferred and that I was free to use any or all of that total. I called XXXX XXXX XXXX ON of after the XXXX of XXXX and paid them {$7200.00}. in XX/XX/2019 PNC Bank sent me a notice of a negative balance due them of {$230.00}. PNC release to me the above amount which I paid XXXX XXXX XXXX {$7200.00}. I asked the teller " if I pay that amount was she sure I would have a balance of {$36.00} her answer was yes. Note that the teller automatically transferred these fund and audiblly confirmed the above amount was being placed in my spend account. then waited until XXXX to note an error by their customer service representative. also note that They authorized this tranaction by moving the funds to my Checking account. in turn I called XXXX XXXX XXXX and gave them my checking account # and electronic in the amount above
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Product: Debt collection

Victim of XXXX data breach, failed to remove negative debt. Identity theft.
Product: Credit reporting or other personal consumer reports

NOTICE OF CLAIM TO INTEREST 1ST ATTEMPT XXXX XXXX, XXXXXXXX/agent here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct XXXX  ( XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct XXXX ( XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed.
Product: Checking or savings account

I submited a claim for some purchases made with my debit card were the merchant never sent the items. 
Those transactions are : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX The bank never contacted me to request more information or some document to sign. Even they never called me. Now I can see that the provisional credit made now were charged to my account. 
I called customer service to know about this and they said that i cant reopen the case, the also said that they sent me some documentation to my address something that I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reporting a balance of {$440.00} owed to XXXX XXXX that I do not owe. This is a violation of rights under FCRA law 15 U.S.C. code 1681
Product: Mortgage

Loan Created : XX/XX/XXXX First Payment Due : XXXX Payments Made : XXXX : A payment was made and applied to the XXXX payment. 
XXXX statement next payment due in XXXX XXXX : No payments were processed. 
XXXX : The payment due was applied to XXXX instead. 
XXXX : The payment was applied to XXXX. 
XXXX : No statement was issued and no payment was processed. 
XXXX : A payment was made and applied to XXXX. 
XXXX : Another payment was made and applied to XXXX. 
XXXX : The payment was applied to XXXX. 
XXXX : No statement was issued, and no payment was processed. 
XXXX : A payment was made and applied to XXXX. 
XXXX : Another payment was made and applied to XX/XX/XXXX. 
Please reference attached It is hereby noted that a request for XXXX Accommodations pertaining to communication was submitted, in response to which Wells Fargo ( WF ) has provided large print correspondence on an intermittent basis. Despite repeated requests, an alternative to telephonic communication has not been offered. Furthermore, a request for an in-person meeting has not been scheduled. It is significant to note that submitted complaints and mediation requests were consistently denied, citing an inability to reach the author via telephone. It should be observed that no phone number is listed in the author 's account. The author neither initiates nor receives telephone calls. WF is cognizant of, acknowledges, and continues to insist on telephone communication, even stating an attempt to call the number on file has failed and the case will be closed, without making arrangements as requested for XXXX Accommodation. Nonetheless, no accommodations have been implemented by WF to facilitate communications.
Product: Credit card or prepaid card

The {$140.00} annual fee posted on my travel credit card. I decided to close it because of COVID and I don't travel much. I requested the card to be closed, and Banco Popular refused to refund the annual fee. Please refund the {$140.00} I had to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to trans union, XXXX  in regards to XXXX XXXX XXXX {$8700.00} that has been charged off and now two other creditors are trying to collect. I have sent proof of verification, validations to all 3 bureaus and only XXXX deleted off the profile, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX and trans union seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit systems sent me my first proof of debt on XX/XX/XXXX, I made payment on XX/XX/XXXX and sent proof of payment, they added it to my credit report on XX/XX/XXXX. The representatives name was XXXX XXXX. XXXX wanted me to submit my payment directly through her so she could receive the credit but her hours did not align with my work hours so I made payment online. After I completed my payment online XXXX XXXX was upset and as a form of retaliation she began harassing my family and myself and ultimately falsely reported this debt on my credit report.
Product: Credit card

1. Fraudulent Charges on Chase Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, my Chase credit card was used at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shortly after this legitimate transaction, multiple fraudulent charges appeared on my account, including over {$1000.00} in transactions at XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX XXXX I received text alerts from Chase notifying me of suspicious activity, specifically the charge at XXXX XXXX XXXX prompting me to review my account and report the fraud immediately. 
2. Negligence in Chase Bank 's Investigation : - Despite my prompt reporting, Chase conducted a flawed investigation and erroneously concluded that the charges were not fraudulent because they believe the physical card was used, and I had possession of the card at the time. 
- I was at home during the time of the fraudulent transactions and did not lend my card to anyone, making it impossible for me to have made those purchases. 
Chase informed me that the card was added to XXXX XXXX at the time when I first reported the charges, which I did not authorize or initiate, further indicating fraudulent activity. 
- I asked if I should get in touch with the police but I was assured by Chase that they would collaborate with the police department to investigate, yet I dont believe Chase involved the police nor did they acquire evidence with police assistance. 
- The response to me about this case was delayed until XX/XX/XXXX, nearly two months later. This delay has hindered my ability to obtain critical evidence, such as security footage from the stores where the fraudulent transactions took place. 
- When I inquired if I needed to file a police report, I was explicitly told by a Chase representative that they would handle it. This, coupled with the delay, suggests an intentional stalling tactic, preventing me from acquiring necessary evidence within a reasonable time frame. 
- Furthermore, the nature of the charges, such as the exact {$200.00} charge at a liquor store, is highly suspicious and inconsistent with typical consumer behavior. Yet, this was not adequately considered in Chase 's investigation. 
- Now I am in the process of collecting evidence myself. And as I collect more, I can share the information with your department.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX allowes 3rd party collection agencies report to be on my credit reflection as if I consented to these malicious collections who I dont personally owe. These companies state they bought this collection information and accounts. This transaction should not be the reflection of my score depicted as accurate information. Some of those accounts were from XXXX furlough and gov. Shutdowns- I want direct relationship reporting or join the lawsuit against them as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was able to obtain my credit report from XXXX and XXXX  just fine, I could not get it from Equifax through XXXX. I am certain I supplied the correct information to verify my identity ( otherwise I would not have succeeded with XXXX and XXXX ), so they didn't deny me because of " wrong answers. '' Because it worked with the other 2 agencies, I'm also certain it's been more than a year since my last request and I'm eligible to receive a free one now ( I'm well within my rights ).
Product: Debt collection

I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per XXXX law where the loan was taken out and over the 5 years per XXXX law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions.
Product: Credit reporting or other personal consumer reports

I submitted disputes with Equifax, XXXX, and XXXX as well as a complaint with the CFPB about charge off accounts listed on my credit reports. Each of these companies responded that those accounts were verified. Reporting these accounts are violating my federal rights because charge off accounts should reflect a {$0.00} balance. Furthermore, there is no way that these accounts are are verified to belong to me. Please provide me the method of validation that was used to determine that this information is factual.