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

I currently applied for insurance under the umbrella of the XXXX XXXX. Insurance with XXXX is limited in scope to being furnished to Veterans, spouses of Veterans, etc. 

When I applied for the insurance with XXXX, the XXXX was notified of issues with derogatory information on file with XXXX that was being contested and reported the issues to XXXX. Even knowing this information was on file XXXX provided a quote of $ XXXX ( rounded ) per year for homeowners insurance. 

After reviewing the quote and the file information provided XXXX billed my mortgage company a significant increase in the premiums due. MY mortgage company paid the amount billed even though it was not consistent with the quote. When I questioned the billing and the quote, XXXX furnished information indicating that they received a credit report from LEXIS NEXIS. XXXX provided the report no. I wrote to LEXIS NEXIS asking for a copy of the report.

LEXIS NEXIS responsded to my request indicating problems with my request even though I followed the instructions provided by XXXX. 

LEXIS NEXIS forwarded a letter on XX/XX/2020 providing a URL and PIN number. When I accessed their website, the URL and PIN No did NOT work. To ensure that I could obtain copies of the report, I tried their website, URL and PIN several times. I reported the problem to LEXIS NEXIS. LEXIS NEXIS indicated the information may have expired. I asked LEXIS NEXIS to provide the information they furnished to XXXX. They have NOT and are seeking to have me go through their process on a repetitive basis and insisting that I furnish PII on their formatted e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX  to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX   has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!
Product: Credit card or prepaid card

Bank of America sent me a letter saying they were closing 2 of my credit cards with them for " Inactivity on this account ''.
These are my oldest credit accounts. I was given absolutely NO warning of this happening and out of the blue my accounts were shut down. Since these are my oldest accounts, my credit rating will drop significantly because of this. Again, I was given no warning in any way or form of this happening. I just got a letter out of the blue saying my accounts were closed.
When contacting the customer service rep about this, I was told there is nothing they can do to activate a closed account. This is absurd. My credit score will fall by about 50-100 points because these are both my oldest accounts. I also bank with Bank of America and have done so for a while. I do n't understand how this could happen.
Product: Debt collection

First off i dont know why this company is pursuing me for this debt {$2100.00} acct # XXXXThis is not my account, it was fraudently open. This debt was previously owned by another company, and removed from my credit, and reinserted with no notification. I have attached my report and im asking for removal of account.
Product: Student loan

I have three student loans two with Sallie Mae. The government has automatically put my loans into deferment. Which I opted to still pay minimum monthly payments on. The issue that I have is that the government has suspended payments but is still adding interest during the entire time of deferment. I believe if the government was going to defer payments then they shouldve deferred interest at the same time. But they are using this to increase interest on our student loans.increasing the amount of repayment when the deferment is lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I contacted XXXX/XXXX  by phone due to this account being opened due to identity theft. I did not open this account. The rep said she closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified by Loancare LLC that I was due a payment, and auto-pay was not set up. I have called multiple times, submitted a written request, had lawyers reach out to them with no response from Loancare LLC over multiple month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
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 proce 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 18.61 K have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

They provided us with all information that is completely incorrect!!! We have never missed a payment or been late on a payment they have fees and fees that are illegal on my account!! Its obvious you arent going help either!! Its disgusting!!
Product: Debt collection

I repeatedly was texted 9 times by First Financial Resource on Thursday XX/XX/XXXX. I was then texted three times the following day, XX/XX/XXXX. 

I sent multiple requests for information to First financial resource and they did not respond to multiple parts of my verification of debt such as : - documentation showing XXXX is licensed to collect debts in the XXXX of Massachusetts. 

- Documentation showing XXXX has verified that I am responsible for this debt, or a copy of any judgment, especially in light of the fact that I did not receive a check from XXXX XXXX XXXX XXXX in my name for this charge at any point. I am NOT the primary insurance holder on this insurance account. 

- provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

For example, XXXX did not provide a copy of the written agreement that created my original requirement to pay. 

I was simply repeatedly sent the same bill from the professional ambulance company without further information. 

I attached the bill that I was given, which is the only proof Ive received of the debt to date
Product: Money transfer, virtual currency, or money service

XXXX Account number or transaction number From PayPal For the dollar amount unauthorized by me under a XXXX *** **** number no longer in use by me or anyone authorized. 

Amount {$130.00} XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

i have contacted USBANK to kindly remove the 30-day late payment that they reported on my XXXX and XXXX reports but they refuse to remove it and they are in the violation per the FCRA which states that all information on credit report should be 100 % accurate.
Product: Student loan

I have been asking for my payment history and refund. I am a part of the sweet vs cardone lawsuit and I am full class. My refund was due at the treasurey by XX/XX/XXXX. As of today XX/XX/year> nothing is at the treasury. I have called mohela XXXX a week for months.
Product: Credit reporting or other personal consumer reports

As per TransUnion report to the general public I am writing to formally dispute a significant and unexpected change in my credit score. On XX/XX/year>, I received an alert from my XXXX XXXX bank account indicating that my score increased by XXXX points, changing from XXXX to XXXX, a change of XXXX points. However, on XX/XX/year>, my score was updated with my employer 's information, incorrectly spelled as " XXXX XXXX XXXX XXXXXXXX XXXX '' and saved as new without my confirmation. Then, on XX/XX/year>, another alert indicated that my score decreased by XXXX points, with the old score listed as XXXX and the new score as XXXX, a change of XXXX points. These discrepancies in my credit score and the associated information appear fraudulent and suggest possible identity theft. 

Additionally, this significant update coincided with the commencement of my fourth round of disputes with XXXX XXXX XXXX, an entity unknown to me. The timing and nature of these changes severely undermine the accuracy and reliability of my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title IV, Section 611, Subsection 1-D, I request the following : The names and business addresses of each individual with whom you verified and validated the disputed information.

An updated copy of my credit report after completing your investigation.

Moreover, according to the FCRA, Section 611, Subsection ( 5 ), Treatment of Inaccurate or Unverifiable Information : ( A ) In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been updated or deleted. 

I expect prompt action on this matter to rectify the inaccuracies and prevent further damage to my credit profile. Failure to address this promptly may compel me to seek further legal remedies to protect my rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I Pull XXXX credit report, it shows an authorized hard inquiry from CBNA which I do not recognize..
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX onXX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX  and XXXX Account Type : Credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XX/XX/XXXX FACTUAL DATA by CBC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX : Disputing error on credit report dated XX/XX/XXXX required for XXXX XXXX Dear, FACTUAL DATA by CBC I am writing to request a correction of the following information that appears on my FACTUAL DATA by CBC consumer report : Dispute Account Number or other information to identify account : ..Creditor Account Number Owner. XXXX XXXX # XXXX. Reported XX/XX/XXXX. Last Payment : XX/XX/XXXX. Opened XX/XX/XXXX. Limit /Hc : XXXX. Balance XXXX. Past Due {$580.00}. Status Type Vendor : 30 Days late Home Equity Rev.EFX Dates associated with item being disputed. 
The report attached Exhibit A incorrectly shows the existence of a balance of a loan with the XXXX XXXXXXXX XXXX The truth is that both me and my wife XXXX XXXX had a loan XXXX # XXXX. Loan Date XXXX : Principal {$100.00} which was fully paid on time and date XX/XX/XXXX. As such, please see Exhibit B, attached document issue by XXXX XXXXXXXX XXXX that contain the pay off, original satisfaction of mortgage and Original Promissory Note. 
I made a loan application with XXXXXXXX XXXX on XX/XX/XXXX and the existence of the loan in question with the XXXX XXXXXXXX XXXX  is affecting my credit score negatively. 
As can be seen in the Credit Report I have not defaulted on my credit obligations, I have no past due debts, and it is unfair to keep this loan pending when it was fully paid on time. 



Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase using PayPal, and I noticed that they have automatically switched my default debit card, over to PayPal credit, without my consent or knowledge, and now I have used credit for a purchase when I didn't intend to. given there is no customer service anymore at PayPal, this is the only place I can solve this issue. this is not good.
Product: Checking or savings account

I was in a XXXX XXXX XXXX, the XXXX. And I went to there ATM machine and did a Cash Advance from there ATM, instead of receiving the funds from the ATM, you have to go to the XXXX XXXX XXXX, to receive the funds. The ATM give you a receipt and you take to cage. Once to the cage you have to show a valid ID, the Debit card and also the receipt that the ATM machine gives you, for them to give you the cash advance. The cash advance is more than a regular ATM fee, it's for when you can not draw anymore funds or are over your limit for the day, it's a XXXX fee. I did a XXXX XXXX for XXXX and the cashier gave me XXXX. Once I got back to hotel room I checked my account and it was XXXX PENDING TRANSACTIONS OF THE XXXX. I CALLED THE CASINO AND THEY TOLD ME THAT IT SHOULD CLEAR CAUSE ITS PENDING. BUT ONCE I GOT BACK TO ALABAMA, IT CLEARED.THOS WAS ON XX/XX/year>. IVE BEEN BACK AND FOURTH WITH CHASE BANK, AND THEY KNOW I DIDN'T WITHDRAWAL XXXX TWICE. THEY HAVE THE PROOF. BUT WANT ME TO PROVIDE A RECEIPT. AS I TOLD THEM WHO KEEP ATM RECEIPT.PLEASE NEED THE HELP XXXX GON NA TRY TO SUE, OR FILE A CLASS ACTION LAWSUIT, IVE SEEN THIS SAME TYPICAL ISSUES WITH OTHER CHASE BANK CUSTOMERS. I've talk to the ATM COMPANY AND FLAMINGO.. AND THE PROBLEM IS CHASE BANK, DEFRAUDED ME OUT OF XXXX. OR SOMEONE IS STEALING FROM THEM.AND THEY DONT KNOW IT.
Product: Money transfer, virtual currency, or money service

I am an American working in XXXX as a XXXX. Sending money home for bills, student loans, and for my family during covid is very difficult as the XXXX government makes is hard to do. I have been using paypal for over two years to send money home. I did not send any money home for a while and so for the last couple months when I finally did it was a large amountaround {$7000.00}. PayPal decided to close my account and will be holding my money for 180 days. I do not have this time. I have already submitted one complaint to the CFPB and the result being that PayPal still will not release my money. In their response they said that they asked for a bank statement which was untrue. I provided my passport and proof of my address from in the states. Also, they said that my web address looked suspicious but that is only because in XXXX I have to use multiple VPNs in order to access the internet. 

Please help me resolve this. PayPal did not ask for any bank account proof though they said that they did. This money is important to me and my family. My email is XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time  my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Product: Debt collection

I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with credit management company in XX/XX/2020 to set up payment on the medical debt they own of mine they offered to send the report to me because they have duplicated or fraudulently made up accounts which literally took my debt and doubled it, now I cant find a home or a better car to get to and from my XXXX XXXX XXXX and Im just highly disappointed that this company has caused more of a hardship on my life lately then this corona virus or anything else, I work hard Im a XXXX in the United States XXXX and Im sincerely trying but I want these duplicated accounts removed because I have failed to be able to contact them since they lied and said I could receive a report on the accounts they own
Product: Checking or savings account

I made payments to XXXX. Navy Fed said I dnever had the funds available and said I owed the fees when in fact I did have the money which is the only way an upload can be made on a XXXX XXXX If I didnt have the funds the transactions wouldnt have gone through. However Navy Fed said I didnt have the funds when I made the uploads and said I owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

early warning reporting inaccurate information attach copy police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for 3 moths w XXXX  XXXX  and Experian filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake  names on there..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/2017 to contact XXXX XXXX XXXX XXXX to take care of a collections account for a payday loan I got with XXXX XXXX. The phone number on the credit report is listed as XXXX. When I called that number, it was a scam that claimed to be XXXX XXXX that said they would take my credit card after I agreed to receive a {$100.00} gift card. They said they were going take $ XXXX/month something, I still don't understand. I felt something was wrong, so I decided not to make any of those payments. I tried the number again recently and they tried to give me a free cruise and said they were XXXX XXXX. When I turned down the free cruise, they hung up on me. 

I tried again today using the number above ( which is showing on my XXXX and TransUnion credit report ) and after it was suggested that I put a '1 ' in front of the phone number above, I did, and I got through to XXXX   XXXX. Because it has taken me so long to finally get in contact with this debt collector, my balance has increased and I haven't been able to address it. This has prevented me from paying this in a timely manner, which is a barrier to being able to get housing.