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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Current Address XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX XXXXXXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XX/XX/XXXX {$7900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$140.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VERIFY XX/XX/XXXX Experian
Product: Credit reporting

All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days.
Product: Mortgage

My mortgage company is responsible for making my property tax payments on time. On XXXX XXXX XXXX they deducted the property tax payment from my escrow account to pay my taxes. As of XXXX XXXX XXXX the tax agency has not received my tax payment. I called my mortgage company ( Loancare ) on XXXX XXXX XXXX to inquire, and I had the case escalated, but I was told that it would take 3-5 business days to " see if the check had cleared ''. That is not acceptable as I will be charged penalties if the agency doesn't receive my payment by XXXX XXXX XXXX ( two business days from now ).
Product: Vehicle loan or lease

There is incorrect information regarding this account on my consumer report. I did not purchase a loan.
Product: Credit card or prepaid card

Please refer to closed dispute XXXX. The response from Macy 's was inaccurate. The issue with payment is my MACY 'S PAYMENT ACCOUNT is still showing the wrong card number as active, I have left two messages for XXXX XXXX, Macy 's Executive office per her letter, direct phone number of XXXX The issue is Macy 's e-commerce site has wrong credit card information. Please help me with this issue. I can provide a screen shot from today, that shows the wrong, supposedly closed Macy 's card is still showing active.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto sent me backup for its authorization to obtain my credit information in response to a prior CFPB complaint ( # XXXX ). The documents Captial One provided, however, belong to a XXXX XXXX XXXX in XXXX VA. The documents include detailed financial information regarding Ms. XXXX 's auto loan with Capital One. My concern is that Capital One conversely sent similar detailed financial information regarding my auto loan to XXXX XXXX or someone else, placing my identity at serious risk. Attached is a copy of what Capital One sent to me. I shredded the hard copy.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, seek appropriate redress for these violations.
Product: Credit card

I am writing to request the XXXX form for a banco popular of XXXX XXXX master card credit card
Product: Credit reporting or other personal consumer reports

I sent out disputes to experian, transunion, and XXXX. They keep updating the information instead of removing the inaccuracies.
Product: Debt collection

On XX/XX/2018 I bought a vehicle from XXXX XXXX XXXX XXXX, Financed from XXXX XXXX XXXX, then sold debt to Westlake Portfolio Management. I was never told I had XXXX  days to rescind the agreement nor was i was given the notices that came along with all consumer credit transactions.I participated in a consumer credit transaction and not a loan Pursuant 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with my consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me. They are in direct violation of this law. Violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission, we are not liable for any finance charge, security interest, etc. becomes void effective immediately.
Product: Mortgage

My wife, son, and I have lived in our house at XXXX XXXX XXXX XXXX, VA for 20 years. The past 7 years have been a downward spiral as far as finances, so I filed for Bankruptcy. The bankruptcy was dismissed and I contacted my lender, Rocket Mortgage ( RM ), and requested help. RM agreed and restructured my loan on a trial basis. I paid XXXX payment and asked RM if I may enroll in auto-pay straight out of my bank account. RM set it up, and I was on my way to rebuilding our lives. I placed money in the account so it will always be paid. In XXXX, I checked to see how much I needed to add to my RM account and noticed they never took XXXX or XXXX payments. I contacted RM and inquired if they were restructuring again. I was hoping they realized the high rate I was paying was too high, but RM explained they wrote down my account # incorrectly. We got everything straightened out, or so I thought. XX/XX/, XXXX  RM auctioned off my house without warning. No mail, no email, no phone call. now RM say sorry, There is nothing they can do now. They can very easily take our home of 20 years, but can not tear up auction papers. In fact part of my downfall started when I refinanced with RM and XXXX XXXX stated I will PMI, which I didn't want. XXXX explained do not worry about it, just call me back after one year and you can have it removed. When I did that, RM explained it never works like that. My mortgage was more expensive that ever. I will make my last two payments since they did not take it out originally. A representative almost allowed me to do that yesterday, but like always, put me on hold only to come back to me with a solemn tone of indifference. I am a good man who had a rough time with family XXXX  and finances off the chart, but now I am rebuilding only to be kicked back down. Please listen and give me a chance. After all, I was doing the right thing and Rocket Mortgage 's mistake has cost me everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : 2 Official Notice Of Pre-Arbitration As I have tried futilelly to solve this problem with honor, respect and good faith. You have dodged, disregarded, and dismissed my attempts to amicably remedy the inaccurate, incomplete information that is reporting on my report and file being furnished by your company. As a financial institution per FCRA, and consumer, reporting, agency. The responsibility to correct these errors is also yours. Please be advised that your company is in violation of 15 USC 6801 15 USC 6802 I never gave your company written consent to report my dataZ I was never advised that you would be reporting my data. 

I was never advised of how to opt out of you reporting my data. 

You are willfully furnishing inaccurate, incomplete information that you have been advised that is reporting on my consumer file, and report. I have a right to privacy, your company has not protected my non-public, private information.Please be advised this is a final attempt to correct, and remedy this An issue which your establishment should reasonably correct, and remedy. 
I advised that there were errors, and inaccuracies, in payment history and the blatant disregard for all these factors has us at this pointZ
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX/month because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX DATE : XX/XX/XXXX SOCIAL SECURITY # XXXX DATE OF BITRH : XX/XX/XXXX. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX OF XXXX XXXX XXXX Account Number # 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.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I DEMAND FOR THE LATE PAYMENT collection from Opened XXXX TO BE REMOVED IMMEDIATELY. 

BEST REGARDS, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent late pay was just reported to my Transunion credit report by " XXXX XXXX ''. This is a fraud account and does not belong to me. Please delete immediately.

Also two unauthorized inquiries were reported to my file XXXX. ) XXXX XXXX XXXX XXXX XX/XX/2022. XXXX. ) XXXX Bank on XX/XX/2022. Please remove/delete the aforementioned inquiries from my Transunion XXXX XXXX XXXX
Product: Student loan

Nelnet states that XXXX XXXX has disqualified me from an interest rate reduction based on an XX/XX/2018 payment. They state that the payment was late. However, this was the month that XXXX XXXX transferred servicing of my loans to Nelnet, which means that there was some confusion on who the payment should have been directed to. Therefore, I should not be penalized and given the interest rate reduction ( to 1 percent ). In addition, the interest rate reduction should be applied retroactively, to XX/XX/2018. 

The amounts in question are one loan for XXXX ( Group A ) and {$26000.00} ( Group B ).
Product: Credit reporting or other personal consumer reports

I will like to update my current details on early warning and I will Like unfreeze my credit file on early warning
Product: Mortgage

I refinanced my loan with Wells Fargo. The original GFE had my closing cost at about {$2500.00}. The final closing costs ended up being over {$3600.00}. Most noticeably the Origination charge went from {$820.00} to {$1200.00} with nolear explanation. ( email attached ) There was also {$590.00} taken out of my escrow account that Wells Fargo said was used toward my closing. When I questioned this, no one could give me a clear explanation of where the funds went. Only that it was used toward my closing costs. When I calculated my payoff compared to my closing costs, there is no way the {$590.00} was used toward the closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks.
Product: Checking or savings account

my checking acct was hacked on or about XXXX XXXX.the bank put a lock on my acct and no money was transferred. I have communicated with the bank on several occasions to get access to my acct but they have not been forth coming why they still have not given me access to my money. this is causing an undue burden on me
Product: Credit reporting or other personal consumer reports

I was recently denied life insurance due to a 2017 Bankruptcy being reported on by Experian on my credit report. I contacted Experian regarding this misinformation and was told that it was verified through XXXX. This is absolutely not true. I have a XXXX consumer report and it is clear that there is NO bankruptcy being reported on this report. I have submitted a copy for your records. 

This information is inaccurate and causing me to loose needed coverage.
Product: Mortgage

I have told 21st mortgage on several occasions not release my personal information, this has been an issue over the past year
Product: Vehicle loan or lease

I bought out my leased vehicle last year and the dealership that I went through XXXX of XXXX XXXX used capital one banking for the loan. Neither the XXXX dealership or Capital one bank ever mentioned setting up any form of payment so to my knowledge my payments were still on auto pay through the dealer as I was never informed otherwise. I have like I said never received any form of contact by the bank either by mail, email, phonecall, not even a welcome letter. Fast forward I Come to find out I was 50 days past my payment due date and only found out because I received a credit report saying so. Mind you Capital One has yet to contact me. Nor the dealership even after 50 days of being late.. To my knowledge my payments were being paid automatically. I Immediately paid the total fees upon finding out and filed a dispute with Captial one sending them two letters and a fax addressing the issue a little over a month ago and still haven't heard from them. This is complete negligence. Pure unprofessional malicious Neglect. This company should be held accountable. I even filmed the entire conversation with XXXX when I bought the car and was only told when my first payment was due nothing else. No setting up of payments or anything. No contact even as of now from either the bank or the dealer. Am I missing something here?
Product: Debt collection

On XX/XX/XXXX I received a phone call from State Collections about a debt. They stated I owed {$280.00}. I asked who the original biller was and what the charges were for. They stated XXXX XXXX XXXX ( XXXX ). I told them that that was a medical billing company and not the original biller, I wanted all the info. I was put on hold for a long time and the woman basically wouldn't tell me anything else. She finally said she would mail me all the info, as I wanted it. Didn't hear anything about it again so thought it was just some scam. 

On XX/XX/XXXX I FINALLY received info from them on what the bills were pertaining to. Not only did they NOT include any info on debt dispute ( or the fact that I have to do it within 30 days ) they also didn't even send the correct information. The bill verifications they sent only added up to {$100.00}. I finally called them to see what was going on as every time I hear from them I either don't get information or don't get correct information. Now, suddenly there were " missing pages '' they didn't send. They could send it if I wanted. I told them they also did not send ANY information on the debt dispute that I am allowed. She says she is not required to but I can get it if I want. They are supposedly sending me copies of these. Since it took over 3 months to get the previous info, I have very little faith in anything they state they will send.
Product: Debt collection

I received a phone call from this company on XXXX and I asked for a validation of debt letter, they claim to have sent it out on XXXX, which I have not seen. Now on XXXX, they proceeded to call my employer. Someone answered the phone at my work place and transferred the call to me. I answered and repeatedly said hello, hello. I then took my cell phone out, excused myself outside in the hallway and called the number that was calling me. XXXX and spoke with a lady, she told me she was calling about a debt and I told her I have no knowledge of the debt. I immediately told her to please remove my employers number from there listing as they are not allowed to call my employer. She totally ignored me and continued talking about the debt, I then told her, I requested that they send me a validation letter and I have yet to see it. She said they mailed it out and I said I have not received anything and will they either re-send it out, and I even offered to give them my email address for faster delivery. she refused, but said they would be send out another letter. We discontinued the conversation. I thought about it and immediately redialed her number and to make sure that she understood they are not allowed to call my employer. She proceeded to tell me they would be calling wherever the XXXX they wanted until they get this resolved. I then said, well I know the law and I know my rights and I am asking you to please remove my employers numbers and not to call here as they will make me lose my job, she screamed at me and said well if you know the XXXX law well put it in writing. I came back to my desk and researched the number on google and nothing came up. I then called back and asked what was the name of the collection agency and they responded XXXX. I asked for the address and they hung up in my face.
Product: Debt collection

XXXX XXXX is my name the account is with XXXX XXXX XXXX the last four of the acct number reporting negatively on my bureau report is XXXX
Product: Mortgage

To the best of my knowledge there is an erroneous lien from XXXX XXXX on my property in the amount of {$240000.00}. It is listed on the records for XXXX County, NJ as a XXXX judgment from XXXX. 

I did in fact go to the brink of foreclosure with XXXX XXXX in XXXX. But I was given a loan modification through them in XXXX. In other words, we reached a deal. So the judgment should be erased. 

Complicating matters, Loancare bought my mortgage in XXXX. 

Never have I missed a payment since the modification. 

Loancare is not addressing the matter. They gave me a case number. That was it. I previously contacted XXXX XXXX which says even though they placed the judgment on my records it is now Loancare 's  responsibility to fix the problem. 

My realtor brought the problem to my attention when I inquired about selling my home. 

I realize the banks are overburdened right now, but this is an ideal time for me to put the place up for sale. The lien makes that impossible.