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

I contacted Equifax on XXXX XXXX via letter of the error on my report of the Office of the Attorney General Child Support showing i am owing them XXXX. I contacted them and discovered I DO NOT OWE! It is on my credit in error and I am attaching a copy of my report from XXXX  to show they are reporting {$0.00} balance!
Product: Credit card or prepaid card

I rang Cititbank to activate the new credit cards they sent.

I was in tears after being transferred 4 times in an hour, and despite providing all my personal information I still could not be given access because of one forgotten security question. It seems questionable that in spite of all the information I gave that it all hinged on one question which was unrelated to anything of real meaning.

Other simple methods like texting the contact mobile numbers did not work, and even though I only wanted to activate a new card, we are considering closing the account after the hour of torture and their inability to run an effective service.

Even more ridiculous, is that one of the representatives tried to use a marketing incentive to gain a gift card, when I needed a resolution to a simple and commonplace problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so not only are they claiming they have accurate information costing my credit report to drop XXXX points the last XXXX weeks even though nothing has changed other than they finally closed my account or something with the creditor I don't owe money to I was looking at my report and there are like 20 hard inquiry marks on my credit for the month of XXXXXXXX XXXX XXXX XXXX XXXX for auto loans and I mean there are 10 just on XX/XX/2022 alone I was told for one inquiries for the same thing made in a specific amount of time are to roll into one so it doesn't make u look bad but clearly you can see that no one applied for 20 different loans in two weeks and they won't take this out of my report they are ruining my life and now they added another collection that says owe money yet another account that is not mine there are two XXXX account that " we recoart of theft as well for Iver XXXX then say they can't help me cuz they can't verify my address but they can put negative things on my report with out proving that they are my accounts so they put false info on my report with out verifying it first but they won't take it off my report be suse they can't verify my address
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. From this account ( XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX ) ( XXXX SELF FINANCIAL/LEAD XXXX  ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Payday loan, title loan, or personal loan

Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money. I ALREADY SENT ALL DOCUMENTS VERIFIABLE BUT THEY STILL KEEP MY MONEY!!!
Product: Checking or savings account

I was scammed on XXXX trying to buy concert tickets and had done the transaction through XXXX on XX/XX/22. The total amount was {$460.00}. I contacted Bank of America immediately to inform them about the whole situation, and they have collected my information and created a claim in order to retrieve my funds back. However, a few months later on XX/XX/22, they have notified me that they were unable to retrieve my funds back and have closed the case, and they have not asked me any more questions to prove that I have been scammed. I have saved screenshots from my conversation with the scammer, which could be used as proof that I've been scammed.
Product: Checking or savings account

Ok, this goes back to 2018. 

In 2018 I was in the XXXX. When I was released I received a new Western Union card in the mail. I called to ask why and was informed someone in XXXX cash a check on my old card. I have never been to XXXX I'm dirt poor. Then 3 weeks later I received another card in the mail as Western Union noted, someone in XXXX cashed a {$28000.00} check on my card. Noone has access to my card. I suspected it was an inside job with employee at Western Union. 

SSDI EVEN GARNISHED MY MONTHLY CHECK for 8 months. Never received refund. Then bank that handles check cashing decided I could no longer cash check. They noted the {$28000.00} check and I had no right to see internal process despite them knowing was. It at fault. One representative even apologize to me but still the decision was somehow ( while XXXX, ) was my fault. What could I do ; I was denied and not told anything because of their internal processes were confidential. 

Fast forward to today. XXXX XXXX bought Western Union. The risk assessment team cancelled my acct told me to never apply there again. Without reason because the risk assessment team from XXXX XXXX  could not be reach. The l my problem is my. Fiance tried to transfer monies from his Account to mine I guess XXXX XXXX  reviewed an old issue Western Union had settled. Get this I am still owed money by Western Union they deposited it some account I can't access. 

Checks I had to deal with no explanation. Not a problem till I tried to cash 2 small checks I can't cash. Western Union still leaves me money but I can't cash checks please help. Honest not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus XXXX, Transunion, and XXXX to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, Transunion, and XXXX did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. XXXX, Transunion and XXXX has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. XXXX, Transunion, and XXXX has not did not do proper investigation and now XXXX, Transunion, and XXXX is in violation of FCRA Accounts : : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Transunion, and XXXX has violated my rights several times XXXX, Transunion, and XXXX has violated the laws of The FCRA
Product: Credit reporting or other personal consumer reports

Loan # XXXX was taken out in XX/XX/year> and I was making all payments on time. However, I switched my banking from XXXX to XXXX. After I made the swap, I updated my billing information to continue making my payments on time. However, the company would not use the new card number or checking account number I provided. Therefore, the account fell behind and eventually became a charge off with a reported balance of {$340.00}. When I would contact the company they would tell me there was nothing they could do. To this date, they are reporting the charge off monthly adding late payments to my credit report for the past few years. Trying to resolve this, calling, using the companys app chat with customer care option and emails have not been helpful as they seem to have been abandoned. How is one supposed to settle an account to prevent more negative marks on their credit report when the creditor refuses to respond in any way? How am I supposed to pay? This is affecting my day to day life and future goals. After some research I see this seems to be a reoccurring problem with this company. 

With their refusal to provide any contact or documents I need their accounts removed from my credit report in a timely manner. Ive tried disputing and they respond to the dispute by moving around the months of late payments, paying no mind to what the dispute was for. They provide no contact, and no documents.
Product: Credit card or prepaid card

For over the past several years my personal information has been dumped on the dark web and the internet. Over XXXX cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have brought this issue up with bank and they have not been cooperative. I have spent the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely XXXX me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were XXXX after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.
Product: Credit card

On XX/XX/XXXX, I ordered food from grubhub. Per my card terms, I get a {$10.00} XXXX XXXX It was pending after purchase immediately. It did not post until XX/XX/XXXX which took up my XXXX credit and not my XXXX one correctly. I spoke with XXXX and they confirmed it was Amex who took time to post while Amex kept blaming the merchant. Amex contradicted themselves repeatedly ( XXXX, a customer service manager ) as to why they would not issue a credit. Refused to see my order date and kept not answering my questions.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my report that hasnt yet been verified by the credit bureaus as requested several times through multiple phone calls and certified verification letters. Ive recently sent off another letter on XX/XX/year> still no response. XXXX
Product: Debt collection

This letter shall sever as the formal and last notice of my intention to file suit against your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 Equifax Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

I have moved forward with filing a report with the FTC and the CFPB. In four business days I will be filing suit against your company. My lawyer has advised, if this information is not removed from my credit file within four business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. Equifax was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against Equifax, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX   XXXX XXXX has failed to provide me with proper debt validation for the following incorrect accounts that they have listed on my credit file. 

1. XXXX {$260.00} 2.XXXX XXXX XXXX XXXX 3.XXXX  ( XXXX ) {$300.00} 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX
Product: Mortgage

After several attempts to recoup the overpaid dues in escrow XXXX and Lakeview Servicing have used several different attempt to use errors in accounting to deceit the buyer into a larger escrow balance than what is due. {$6200.00} over 12 months would be {$520.00} every month. They have charged an excess and have even made statements like you failed to pay a supplemental tax, they provide no proof of this. After even emails with the compliance director of Lakeview she tried to explain the reasoning of the issues. She stated that there are no errors and that if I have an issue that I should contact XXXX. The issue I have is {$520.00} is missing from escrow. I have identified what we should label money laundering. They state the overage is {$1200.00} where they only have bills and receipts for a total of about {$4500.00}. {$2600.00} for hazard insurance and {$1900.00} for taxes. This is a total of {$4500.00} if ytd over XX/XX/2018 to XX/XX/2018 XXXX is over. They only issued a check for {$1200.00} so where is the remaining {$520.00}? That seems very close to the missing money from escrow. Please identify issue and reprimand both companies and all associates involved as CFPB was already contacted on this issue with a falsified response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through eOscar. 

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.
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 FundTransfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XXXX  reporter debt verified but not sure how it was verified if I have no knowledge of it
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent accounts that are reporting on my ChexSystems XXXX XXXX report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.
Product: Debt collection

I disputed this account, with XXXX and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Product: Debt collection

I called Harris & Harris, confirmed debt doesnt belong to me. Harris & Harris finally removed my number after several calls ( more than 5 times ). Continuing to receive texts : Harris & Harris on behalf of XXXX. Please visit https XXXX XXXX or call XXXX. 
We are a debt collector Reply STOP to optout On XX/XX/year>, I replied back Stop. 
You've successfully unsubscribed from Harris & Harris - Debt Collector text messages Received another text today, XXXX. 
Harris & Harris on behalf of XXXX. Please visit https : XXXX or call XXXX. 
We are a debt collector Reply STOP to optout
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a debt owed by me and has been reported incorrectly on my credit reports
Product: Credit card

On XX/XX/24 I Called Capital One help center ( XXXX ) because on XXXX  XX/XX/XXXX I had submitted a payment by autopay of {$82.00} to pay on my card before it was due. It says in my app that the payment that was posted on the XXXX of XXXX was returned on the XXXX along with a late fee of {$40.00}. I called asking why it was returned because any payment Ive made previously on this card has been returned with late fees stacking up because of it. She said it could be because I made the payments to late and it just didnt process in time or I didnt have enough money in my bank account. That wasnt the issue because every payment I made I made on time with enough money in my account which I told her. Then she tells me that its because my bank account in their system is labeled as a business bank account. So she claimed she needed my bank account number and routing number info in order to proceed to fixing the issue I was having with my returned payments. Im skeptical hearing this because Im aware of the fact shes at home from the sound of a rooster I kept hearing in the background as well as the fact shes asking for my my account and routing number. She was able to pull up my past transactions and payments from only knowing the last digits on my card so I figured this was legit so with all my bank information along with my social security number she said the issue was resolved after I had received an email from capital one reading my information was updated. So from what she said I shouldnt have issues with my payments being returned anymore. She then asks when Id like my payment resubmitted so I tell her XX/XX/XXXX but after she removes all the late fees from my returned payments so I can just pay the original amount due. After I ask her to remove the late fees she just repeats herself asking when Id like to reschedule the payment that was due including all XXXX payments past due. So I ask her again will you remove the late fees from all the other previous returned payments. She then tells me as a XXXX time courtesy they can only remove XXXX so I finally agree mainly because of the fact I can barely understand her XXXX and it seemed like I was receiving the run around any time Id ask to have the fees dismissed. So with only XXXX payment fee of {$40.00} dollars removed It says in my app I have an automatic payment of {$130.00} scheduled for XX/XX/XXXX which is including all XXXX late fees from my returned payments. I want to be done with Capital One because of issues like this but dont want my credit to be affected from closing the account. I had this same issue with an old account that they ended up closing because of this same exact problem. I dont understand why none of my payments would go through to pay my dues on my credit card and why I should be held responsible financially for all late fees included from them not going through.