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

Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX  has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX no more i cant get aproved for anything which is casing me even more XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 and account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUP XXXX CHILDSUPPORT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts that were being reported on my credit report with Experian. Ive sent three letters requesting Experian to provide me with verifiable proof, such as the original consumer contract with my signature on that proves I owe the debt to these companies that are reporting on me. Experian has failed to supply these documents and continue to allow these companies to fraudulently report against my character, which is defamation. I have asked for the exact method and procedures that were conducted in the dispute investigation, but again, Experian has not provided me any of these lawful requests. I have asked for Experian to provide me the names of the end-users that have worked my file [ FCRA 609 ( a ) ( 3 ) ]. There are several inaccuracies that have been applied to the credit reporting that Experian has not addressed in my disputes. Experian is assisting and aiding in violating my consumer rights but not upholding their responsibilities as a credit reporting agency. According to FCRA 611 ( a ) ( 1 ) ( A ), the consumer reporting agency is supposed to conduct a reasonable reinvestigation upon the dispute request by the consumer, to determine whether the record is indeed inaccurate, otherwise it has to be deleted ; not just closed. This is considered unfair and unjust acts against consumers. In the case ( No. 95-CV-1743 ), Cushman vs Transunion Corp., 115 F.3D 220 ( 3rs Cir. 1997 ), the United States Court of Appeals agrees that the FCRA requires credit reporting agencies to go beyond its original sources of credit information when reinvestigating inaccuracies in disputes. The credit reporting agency must bear some responsibility for evaluating the accuracy of the information obtained. ( Stevenson vs TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ).
Product: Credit card or prepaid card

I opened a secured XXXX $ credit card with bank of America I was charged for an unknown item was not contacted about it paid the balance and never used the card again sometime later I checked my credit to see the had a collection for XXXX $ I don't know where this came from I never received a letter or any contact from bank of America.when I disputed it they said it was correct but provided no proof I called to do a pay to delete because they stated it was the only way to remove it being that it was so old. it was only XXXX $ even though i know I didn't owe them anything. after I paid that XXXX $ I waited for them to remove it nothing happened I had been tricked and lied to I've gone to the bank called on the phone and now nothing I would like validation and this account deleted from my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX .... Balance : {$7200.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  XXXXXXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00}
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 App ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on your 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, and I seek appropriate redress for these violations.
Product: Debt collection

I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX and out in XX/XX/XXXX. I provided all of my contact information the morning I turned the keys back into the front office so I would be aware of damages that required payment. I was not notified of any cost to cure damages in the apartment by the complex. I downloaded credit karma a couple years later after being declined for my first car loan due to a collection I knew nothing about. I was shocked to learn that a collection had been placed on my credit by XXXX XXXX XXXX and was damaging my credit greatly! The biggest surprise was years had gone by and no proactive effort from the complex had been made in order for me to have the opportunity to pay the damages instead of just damaging my credit! Over the years I reached out to the management company in effort to make payments or settle due to the age of the debt, the complex would not cooperate. The debt was sold to Professional Debt Mediation on XXXX XXXX XXXX and now shows as XXXX different debts both damaging my credit. I 've attempted twice to settle with the collection company who advised they go back to the complex with my offer for approval-again both times the complex has declined my effort. The debt is showing as {$1100.00}, the complex states they had to repaint the XXXX accent wall in the living room-this I understand and agree too. They also state that they had to replace the carpet in the apartment due to pet stains, I agree there were stains on the carpet and understand there would have been a cost to have the carpets cleaned. HOWEVER, stating they had to put brand-new carpet in the entire apartment ( mind you was very small ) and that it cost upwards of {$1100.00} I do not believe! After years of making an effort to right this debt and the lack of cooperation of the complex leads me to believe they are fraudulently hitting my credit for the amount of a debt that is not valid! The carpet in the apartment was not brand-new when I moved in and the complex is not entitled to the full replacement value, only the depreciated value of the carpet. So if the life of the carpet was expected to be 5 years and was 4 years old upon my move in date they would only be entitled to the remaining years value. I would like proof to be provided by the complex including : brand of the carpet, estimated life of the carpet, receipt for carpet upon installation prior to my move in date, and a receipt for the for the cost of damages repaired. If proof is provided and the full amount of the debt is validated, I would like an agreement to be made with the complex on payment arrangements or a settlement. I would also like my credit to be updated due to the lack of professionalism, tenant/consumer respect, and non-existent pro-activity to reach me before greatly damaging my credit.
Product: Credit card

XX/XX/year> Received a debit visa card from Upgrade in the mail today this company the company Upgrade refuses to close the account informed them that we had already talked with the police and they stated, they needed the police report beside documents of my ID to do an investigation. I just want this account closed and the home loans that was applied for without my consent. I have been a victim of cybercrime and now my information about myself is all over the web. please help.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services I requested a validation on XX/XX/2019 as this was an account that I did not recognize but should have been covered in full by Medicaid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid. I do not believe the account belongs to me as it should have been paid by Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct and that the charge is not covered in full by Medicaid.
Product: Debt collection

Urgent Matters!! Prestige wants to reposses my XXXX XXXX XXXX XXXX  in which I have been making timely payments from XX/XX/XXXX till present. Prestige Administration are now in Retaliation because of my filed complaints with Consumer Financial Protection and Federal Trade Commission and Department of Justice ADA Disability Act Civil Rights.
I just like to have a affordable payments under $ XXXX- {$480.00} with a lower interest rate under 17 %.
I am willing to start making my timely affordable monthly payments starting XX/XX/XXXX.
Prestige wants to also wants to report me to a collection company and destroy my credit ratings with XXXX, XXXX and XXXX.
I am XXXX Lifetime and Retired.Why Prestige administration are mistreating our Military Veterans and Citizens on Disability Lifetime?
I have requested a Federal Investigations against Prestige Administration immediately.
I will send copy of evidence of Prestige on Escalating their Retaliation against me.
Repossession of my vehicle and reporting collections and negatives to credit reporting agencies.Is this how Prestige Financial Services mistreat and Retaliated against Hispanic XXXX Military Veterans?
With Respect the Federal Government should consider my request of Federal Investigations.Prestige does n't want to accommondate on my Disability Lifetime under ADA Disability Act.under the Department of Justice.
I am requesting also with respect that Department of Justice ADA Disability Act Civil Rights Division intervene on my complaints also.
Urgent Matters.
Product: Debt collection

Sequium Asset Solutions , LLC has notified me of a debt I owe to trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX on XXXX XX/XX/year> lease expired and I payed all rent and fees of {$1500.00}. Apartment was turned in inspected on XXXX XXXX. 

XXXX claimes I owe XXXX. I called them and refuse to explain. I called Billing collections Sequim and request a full dispute. I have banking statements to prove I paid due diligence. This is not right.
Product: Credit card

I had made XXXX balance transfers onto my Chase credit card to a 0 % interest rate for a total of {$15000.00}. I have subsequently been making my minimum payments as well as additional payments to cover my purchases. I recently found out that these payments are not being applied as they should pursuant to the Credit Card Bill of Rights. While the minimum payment is being applied to the lower rate, some of my payments above the minimum have also been applied to the lower rate instead of the higher rate as is required. I should have a balance of {$14000.00} at 0 % now, but instead I have a balance of {$11000.00} at 0 % and {$3000.00} at the higher rate because these payments have been misapplied.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.
Product: Debt collection

XXXX is attempting to collect debit on a Kohls card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and Kohls only attempts to notifiy us was by way of postal mail. XXXX agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
Product: Credit reporting or other personal consumer reports

My original complaint included Chekr failing to not update or provide accurate information in the background checks they provide. Once I reported that to CFPB and XXXX, It is obvious they are being retaliatory by FAILING TO FOLLOW GUIDELINES FOR HANDLING DISPUTES.My statement was not included in the disputed issued about me. I requested a dispute on a charge where I submitted a candidate story to be attached along with the updated and now accurate reports to 2 companies. Both companies have responded in writing that they never received any additional information which does not surprise me because they will not update your background check to reveal accurate information even though you provide proof of updates. I have requested several disputes into this matter between XX/XX/year> to date this has been an ongoing issue that is causing a financial burden in my life please help
Product: Checking or savings account

Wells Fargo Bank made unauthorized name change to all of my checking and savings accounts. They changed my last name on all of the accounts to my name prior to my marriage which occurred twenty years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my The Work Number credit report with Equifax late last year due to fraud concerns and Equifax 's repeated history of poorly protecting PII. On XXXX the XXXX I login and see that my report is not frozen and has been provided to inquirers. I did not unfreeze my report. I was not notified the report had been unfrozen. 

Actions I took : Froze Consumer Credit Report over the phone Received letter that confirmed freeze was successful Actions Equifax XXXX took : Supposedly froze my report Sent letter with a pin confirming the freeze Unfroze my report at some point without permission or notification ( or maybe never froze it in the first place ) Provided XXXX Consumer report to inquirer while supposedly the report was frozen.
Product: Checking or savings account

I filed a complaint with the Federal Reserve over a month ago regarding Wells Fargo fraudulently renewing a Time Account without my permission and then not allowing me to close it without penalty AND fraudulently locking me into a credit card scam with enormous interest rate without my knowledge or permission. The Federal Reserve submitted my complaint to you, CFPB Complaint # XXXX. I received a letter from Wells stating they would release over {$6000.00} from the XXXX Account without penalty. But they did not release the funds. SUDDENLY, they closed account and the money from the account over {$6000.00} is missing. No one at Wells has taken responsibility as to WHERE the funds are. I wrote you, CFPB again regarding this issue, and now Wells is claiming to need over 60 days to find my funds. This is OUTRAGEOUS. I am being bamboozled for closing my account with this bank for fraudulent practices. 
I have contacted the Federal Reserves again and both my Senators. Wells remove my funds and then claim they don't know where they are. I need this issue to be resolved in 7 -14 business days. Allowing them 60 days to find ways to retain my funds is ridiculous.
Product: Payday loan, title loan, or personal loan

So because Illinois closed the payday loans I had no other choice but to look online for a quick loan. I searched and found AMOne as they explained they pair you with lenders. Their system routed me through a series of lenders and I was matched with a supposed lender " The online lender took all my information including photo ID because they don't have a physical office.

Once I completed the application I did not receive any additional information. Of course I called AM ONE and now told they don't know which lender it was and so forth and so on. I feel stupid for trusting online however, I have no other choice but to file this complaint. I am certain my information has been sold on the dark web. So now I am going to close my bank account and open a new on today with XXXX XXXX XXXX. Also see what else I can do to protect my identity.
Product: Mortgage

I paid my loan off as agreed with GreenTree Servicing now Ditech Financial 's attorneys. The certified check was cashed on XXXX XXXX, 2016 and I have not received a release of loan and lien on property despite repeated requests. 

*Please note that GreenTree bought my loan and then began trying to collect on an amount larger than the loan purchased. GreenTree harassed me at my office and was the cause that I was laid off after GreenTree harassing the Vice President where I worked. Even though I mailed my check each and every month GreenTree assessed my account for GreenTree home insurance ( even though I provided proof to GreenTree that my personally paid insurance with GreenTree as a lienhold was in force ), assed penalties, assessed interest on penalties, and other " corporate fees '' not allowed by my original loan. Greentree spent two years trying to foreclose on my home, even though I had never missed a payment ( GreenTree had an account where the payments were held, but not applied to my loan ). GreenTree was trying to foreclose on a home improvement loan of $ XXXX for a house valued at $ XXXX. 

DiTech 's contact information Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DiTech 's Attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX