23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus make up things and place it on my credit rather than focusing on accuracy. They show payments for dates I don't have statements for. In addition the account was closed in XXXX Their dates don't match the facts I have.
Product: Payday loan, title loan, or personal loan

Installment loan was taken out on XXXX {$2000.00} over time I have made a {$200.00}, XXXX, and XXXX toward the loan and have paid over {$1400.00} in Apr, and fees. Leaving me with a total payoff balance as of XX/XX/2019 in the amount of {$1900.00} owed to cashnet to leave me at a XXXX balance. How is that legal? I cant put food on the table or keep a roof over or head at the rate Im going. Please help. Thank you!
Product: Debt collection

Upon thoroughly going over my recent credit report, I found several accounts that appear to be fraudulent and were added without my knowledge.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint to TRANSUNION about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Hi, my social security number has been compromised. Noticed it first when a XXXX account was opened in my old name, XXXX XXXX and my SSN. Took care of that issue and thought it was over. Then I saw that there was a collection on my credit report and when I called, they said someone opened a XXXX account back in XXXX XXXX  in an address I do not know, using my old name, XXXX XXXX, ( Legally changed to XXXX XXXX, back in XXXX  ), and my SSN. So had to dispute this. Dont want this to get serious where the police is at my door for something and its not me.
Product: Credit card

In early 2023, I purchased a security system with XXXX, with a retail line of credit to finance the security product, apparently managed by Fortiva. I set up automatic monthly payments from my debit account to pay for the security system. Apparently sometime since then, Fortiva changed the line of credit to a credit card without my knowledge or consent. I was only alerted to this change when Fortiva called XXXX weeks ago attempting to collect payment on the credit card. When I told the caller I do not have a credit card with Fortiva and asked what the payment was for, he put me on hold and then hung up. When I attempted to call right back to get more information, the automated system would not allow me to go forward without the credit card number, which obviously I do not have. Fortiva collections called again today, and I again told the caller I do not have a Fortiva credit card. When I asked what the payment was for, this time the caller stated that it was for my security system and that because my debit card had recently expired, they had been unable to collect payment for the month. I told her I only have a line of credit for the security system and she informed me that Fortiva had " upgraded '' my line of credit to a credit card. When I told her I did not request or consent to an upgrade or to a credit card, she said Fortiva would have sent me a letter or an email notifying me of the change. However, I never received an email or letter, and Fortiva is not legally allowed to change a line of credit account to a credit card account with consumer permission. I never consented to a credit card nor to an " upgrade '' for the line of credit. I am also concerned about the impact to my credit record for a credit card XXXX neither requested nor consented to. Fortiva wrongly decided for me that I would get a new credit card and fraudulently described the new credit card account as an " upgrade. '' The caller did cancel the credit card on my request. Additionally, she admitted that my debit card attached to the automated monthly payments is showing as current/not expired in the system and she is not sure why the payment did not go through or why they would charge late fees on an automatic payment. I asked to speak with the Fraud Department, and she stated she could not transfer me but gave me the number. I called the number and left a message on the voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/XXXX/EQUIFAX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
Product: Debt collection

in XXXX my wife at the time took out what she thought was a federal student loan that turned out to be a private student loan, and i was a cosigner, the loan was for XXXX. in XXXX they closed the account out and sold it to Cavalry Portfolio Services in XXXX, while putting incorrect information on the credit report to keep it from falling off after 7 years. so her and i both had an active account with XXXX ( original creditor ) and with Cavalry, but now the amount is over 50k. these two entries have devastated and continue to devastate my credit scores. In XXXX she represented herself in court against Cavalry, conceded to the collection, admitted ownership and they got a garnishment judgement against her. The problem is, they executed the garnishment against a XXXX XXXXXXXX XXXX account in her name that was closed for years prior to this. 3 years later in XX/XX/XXXX without any fore knowledge my employer contacted me letting me know about a garnishment against me for XXXX for an 11 year old debt that is not even mine, not to mention almost 10 percent interest per year on the balance from XXXX on her garnishment judgment. I was never notified or served about this. I was also told by bankruptcy attorneys this is not dischargeable, and that the judge would not set aside the judgment because it was too late after the court date that i did not know about until 3 years later when there was a 2 year statute of limitations. that They are currently taking out about {$1400.00} per month through this continuous garnishment, when they should be going after her to collect on her debt. Also they added another XXXX to the amount reported the the bureaus 4 days ago out of the blue and don't report any of the amounts they are taking from my checks towards the balance that i should not owe in the first place. This is destroying my family as i am the only paycheck for my household.
Product: Debt collection

EXPERIAN, I have disputed this information from XXXX several times in letter format to you giving you permission to investigate this matter that I have been trying to get resolved. It is not my problem they are unable to provide you information other than a bill. Maybe that is because they are in violation of my HIPPA rights. I have disputed them for years in regard to the lack of information they are willing to provide and you, and you as well have not verified the debt other than contacting them and asking them if it belongs to me.
Product: Checking or savings account

I have power of attorney for my XXXX mother and started managing her accounts mid XXXX. I began to see a " check image fee '' of {$3.00} charged to her checking by Bank of America. I have had to call XXXX times now to tell them to stop charging the fee and they have reversed the fee. My issue is that they continue to charge the fee and I have to call to get it reversed. There is NO way on the online account to stop the fee and it doesn't even reference this type of fee when you do a search. The people I speak to at BOA state they 'turn it off ' yet the next month, there it is. I think this is a way that they rip off customers who do not reconcile their accounts or like my mom, no longer use a computer. I asked the last person on XX/XX/XXXX - XXXX to make sure it is not charged again and she said she could not. I think this is a terrible way of doing business and if it wasn't such a pain to move my mother 's account away from BOA I would.
Product: Mortgage

I recently purchased my first house ( late XXXX XXXX ), and within the first 2 weeks my mortgage was transferred from Freedom Mortgage to XXXX and I received a welcome letter from XXXX. Then within the next week or so I received a bill from Freedom Mortgage and did not receive anything from XXXX. 

So I paid Freedom Mortgage on XXXX XXXX, with the understanding that they would transfer the money to XXXX accordingly. 

Around XXXX XXXX I receive a call from XXXX XXXX XXXX saying that I have not paid my mortgage. This has led to numerous calls to both banks ( at times XXXX way calls between myself Freedom Mortgage and XXXX XXXX XXXX ). 

As of today XXXX claims they took over my mortgage and I have not paid them for the XXXX bill and owe them the money for XXXX and will have to pay them XXXX XXXX and Freedom Mortgage is claiming that XXXX XXXX XXXX did not take over my mortgage and will not release my payment for XXXX and I have to pay them on XXXX XXXX. 

I originally got a date of XXXX XXXX from Freedom Mortgage saying this would be resolved, and when I did n't receive a phone call from them on that date I called them to find out that they have moved the completion date of my request to XXXX XXXX. Which I explained would force the situation that, come XXXX XXXX I will have XXXX banks telling me that they own my loan and I owe each of them the payment.
Product: Student loan

While attending XXXX University I was denied federal student grants that i had previously been granted. The next semester I was told I did n't make the deadline for turning the paperwork in even though the paperwork had been continuously sent back for missing information which I had already provided several times. I was forced to apply for a loan with ACS, which totaled XXXX to accommodate the XXXX semesters dues. I was advised by financial aid that i had exhausted my borrowers limit with ACS and I was forced to apply for a private loan and in order to continue my education I took out THIS private loan from XXXX XXXX, the following semester I was denied student loans and was told I did n't fall in the income bracket to receive aid although my fathers income had not changed and my mother did n't work and I have XXXX sisters XXXX of which were claimed by my parents. The total private loan borrowed from XXXX XXXX XXXX was around XXXX dollars. I am XXXX years old today and I have struggled working XXXX and XXXX jobs to pay XXXX school loans with XXXX and ACS since XX/XX/XXXX after my graduation. I have successfully paid in full my XXXX loan in the amount of {$3800.00}. Currently I am struggling to pay my monthly dues of XXXX with XXXX XXXX XXXX. In 2014 I paid {$440.00} in interest fees FOR MY XXXX loan alone. I currently owe more than XXXX dollars to XXXX for the semesters at school which Federal Aid was denied to me for no reason which was valid or my fault. I am struggling and can not afford my bills any longer what can I do. How can I get relief from my financial education debts.
Product: Checking or savings account

Ongoing dispute since XX/XX/XXXX Interest payout was correct for XX/XX/XXXX. Payout for XX/XX/XXXX is still wrong, XXXX, should be XXXX This has been with your back office since XX/XX/XXXX, we have chatted 4 times without resolve. This is clearly a bank error. Per conditions of CD when bank error occurs and is not resolved I have the right to redeem/cancel CD without penalty, again quoting XXXX of your supervisors. I wish to do this. Transfer the original amt back into money market acc, not happy dealing with your chat people and that this has not been resolved... ..now after 5 times!. 
This is what payout looked like : XX/XX/XXXX to XX/XX/XXXX XXXX XXXX  days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days Was told by supervisor that all payouts should be the same for the life of CD ( 12 months ) but customer service keeps telling me different. As you can see XXXX  day payouts do not match. Also XX/XX/XXXX to XX/XX/XXXX was XXXX but was originally XXXX. They did correct this but never pd the difference of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX  did 3 hard pulls on my credit with Equifax in 2019 all within a couple of weeks. They advised they'd remove the extra pulls as they were due to their own system problems. They say they tried to remove but Equifax shows them still there. 

See attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Update Credit Report Account Dear TransUnion, I am writing to formally dispute an error on my TransUnion credit report regarding my [ XXXX XXXX ] account. As of [ XX/XX/XXXX ], my report does not reflect my on-time payments for the months of XXXX and XX/XX/XXXX. This is causing my credit score to inaccurately reflect my financial behavior. 

I have attached the following documents to support my dispute : 1. A copy of my recent account statement from XXXX, showing my on-time payments. 


2. Screenshots of my payment history directly from the account portal, indicating a " good standing '' status. 



Based on the evidence provided, I request that TransUnion promptly update my credit report to reflect my accurate payment history and ensure my credit score reflects this adjustment. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My identity was stolen and the fraudster took out a loan in my name from Santander bank. I have since returned the money in full but Santander continues to send me bills and claims that I still owe them. I have tried to reach out to Santander bank but they are not removing this fraudulent transaction from my credit report.
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 practice which violate the consumer financial protection act ( cfpa ) specifically Cash app failed to take timely and affected measures to prevent and address fraud on their platform, leaving my account valuable and unprotected. Furthermore they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement under the electric fraud transfer act efta and regulation XXXX these actions have called significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

CAPITAL ONE BANK IS SENDING ME MONTHLY STATEMENT WITH MULTIPLE CONSUMER VIOLATIONS. 

ALSO, THEY ARE TRYING TO COLLECT A DEBT NOT OWE BECAUSE I MADE A CONSUMER CREDIT TRANSACTION. 

CAPITAL ONE BANK IS IN VIOLATION OF : FDCPA VIOLATION OF 15 U.S.C 1692b. ( 2 ) FDCPA VIOLATION OF 15 U.S.C 1692b. ( 5 ) FDCPA VIOLATION OF 15 U.S.C 1692f. ( 8 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX performed a XXXX on my underaged pregnant daughter. My daughter was covered under " minor consent XXXX '' which, in the state of California, allows pregnant females under the age of XXXX to consent to medical treatment without their parent 's consent while living in their parent 's home. XXXX XXXX accepted her XXXX XXXX XXXX in full and did not involve me at all in any paperwork or payment responsibility since my daughter was being treated as an adult. After her treatment, her bill began appearing on my credit report. I have been disputing it ever since but they will not remove it. This has been affecting my ability to get approved for mortgages and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS XXXX XXXX XXXX XXXX  - LAST 4 SS XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I was advised by XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY to apply for Care Credit to finance XXXX  braces due to not being covered under my medical insurance. I applied, was approved, and paid XXXX for the braces in XXXX of XXXX. I was told the braces would take 6 weeks to make, and I would be wearing the braces for three months after. I never received the braces and contacted the dental office who told me that they " forgot '' to order my braces. In XXXX of XXXX, I made an appointment to the office and was told my braces would be ready. I never received them. I opened a claim in XXXX with Synchrony Bank and the claim was closed in XX/XX/XXXX. I reopened the claim and also contacted the merchant again, and they sent me a letter stating their apologies and wanted to offer me {$1000.00} for my troubles. The second claim that was reopened in XXXX, has just been closed on XX/XX/XXXX without any explanation or communication from Synchrony Bank. I contacted Synchrony Bank on XX/XX/XXXX and they confirmed my mailing address and email, to which they never sent any communications to. I was also told by Synchrony Bank that the claim was closed due to no communication from me, which I have been calling and sending messages through their portal for updates and getting no response. I submitted documents as well from the merchant who accepted responsibility for their negligence and chose to order the XXXX XXXX  last month, after 8 months. I have already expressed that I have began the process all over again with a new dentist, and it has cost me an additional {$3000.00}.