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

I had co-signed a personal loan of XXXX for my son thru XXXX XXXX. He hit hard times and fell behind a few times. Ok.. I get that. But, he recently paid the note off in full. By recent I mean end of XXXX of this year. Im familiar with how this works.. its almost XXXX, and Equifax has not updated it. The other agencies have! Adding insult to injury, these characters at Equifax have not once, but twice now give me the exact same dispute reasons~ and show it isnt paid and that its STILL LATE! I am FURIOUS over this! My son and I have been working so hard to get our credit scores up and balances squared away! Hes a new dad trying to get a home and Ive been trying to get a refi in my home. Thats what made me realize how bad my score is with Equifax. Absolutely ridiculous and pathetic how much a monopolized group of credit reporting agencies can destroy peoples lives like its nothing.
Product: Checking or savings account

My name is XXXX XXXX. I have previously submitted 2 complaints against Wells Fargo Bank. Wells Fargo is STILL opening fragulant accounts in my name. Wells Fargo is still refusing to give me my money or close my accounts. Wells Fargo will not reimburse me for my money they let other people steal out of my accounts Wells Fargo is still refusing to acknowledge any wrong doing and still is telling all agencies I have contacted that I stole my own money. Wells Fargo told me they would take back their statements and report the truth they still have not.
Product: Money transfer, virtual currency, or money service

use security and regulatory compliance.on behalf of CashApp Data Breach of my cash app information
Product: Debt collection

I made a settlement to CK Financial XXXX XXXX XXXX XXXX, VA XXXX phone Toll-Free XXXX phone Local XXXX send Email XXXX I made a settlement of {$200.00} which was accepted on XX/XX/2021 but the collection agency put on my credit report that the {$200.00} was used as a payment.
Product: Debt collection

Sears/Citibank finance a washer/dryer 0 % interest XX/XX/XXXX to XX/XX/XXXX. Paying approx. {$300.00} a month and had payment scheduled to pay off by XX/XX/XXXX XX/XX/XXXX Sears/Citibank sent offer 0 % until XX/XX/XXXX. InXX/XX/XXXX - I took the offer to pay off another debt. Made normal payment inXX/XX/XXXX of {$300.00}, to pay off loan expiring inXX/XX/XXXX Sears/Citibank took the entire {$300.00} and posted to new promotion loan I just took out a few days before and will not move any of that payment to loan expiring XX/XX/XXXX. Made a payment of {$400.00} on XX/XX/XXXX in the amount of {$400.00}, Sears/Citibank took the entire {$400.00} and posted {$400.00} to the new loan I took out in XX/XX/XXXX. Called Sears/Citibank 4 times and each customer service rep refused to move any of the {$700.00} over the two months to loan expiring XX/XX/XXXX. This is not what the promotional stated. On Sears/Citibank web site it states if you have two promotion payment will go 50/50. On the agreement when I sign the check for transfer it stated payment with post to account with highest APR % both have 0 % so it should be split. I believe Sears/Citibank is trying to cause me to pay the retro interest collected so far in the amount of {$400.00} plus dollars. I believe this is wrong practice for me as a consumer, Sears/Citibank is trying to set me up for failure.
Product: Credit reporting or other personal consumer reports

XXXX Account Number Account Number XXXX XXXX chargeoff with a balance? I'm sure you know that this is a violation of FCRA. Are you sure that you know what you're doing with my credit file? I demand an immediate deletion of this account. 
XXXX XXXX XXXX Account Number XXXX I have disputed this account several times and it is still reporting on my credit file. I do not have any knowledge of this account. Remove this information immediately from the report. 
XXXXXXXX XXXX Account Number XXXX Another chargeoff with a balance? I'm sure you know that this is a violation of FCRA. Are you sure that you know what you're doing with my credit file? I demand an immediate deletion of this account. 
XXXX XXXX Account Number XXXX I have disputed this account several times and it is still reporting on my credit file. I do not have any knowledge of this account. Remove this information immediately from the report.
Product: Debt collection

Allegedly debt was for service on XX/XX/XXXX that costed {$1400.00} This was medical debt that was passed around to several debt companies. I have disputed them on my credit report when they popped up, with them being removed. Communication went silent with various debt collection companies when I advised them under the fair credit reporting act to stop contacting me, and cease all communications. This was fine until XX/XX/XXXX when Debt recovery solutions , LLC sent me a letter informing me they are attempting to collect this debt.
Product: Credit reporting or other personal consumer reports

I want to update my personal information on Experian. 

I'm unable to do as my access is blocked.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( block inc ). Due to adequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ). Specifically, cash app failed to take timely ineffective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair, and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and XXXX XXXX. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this CLIENT NAME without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent certified mail to Experian notifying them that I have been a victim of Identity Theft and there was a Fraudulent item being reported to my Experian report. On XX/XX/2022 a signature was signed and returned via mail to my current address notifying me they have received all my documents. XXXX and XXXX has blocked the Fraudulent item from my reports. being that all 3 credit bureaus get their information from the same exact source Experian is in error. Experian is in violation Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Consumer Loan

We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension. 

At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own. 

I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me. 

I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. 

My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A  RE  INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM   XXXX   AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Product: Credit reporting

I am unable to use annualcreditreport.com to get my one-per-year credit reports as mandated by law. Even assuming there is a valid reason why they are refusing to allow me to use the web interface, only XXXX provides a phone number for assistance. Both Equifax and XXXX are requiring that I send sensitive information through the mail which is not only a security risk, it 's time consuming, annoying, and, in my case, impossible. They are asking for documentation showing my current address, but I am currently living on a military base and have no such documentation. I do not pay rent or utilities other than XXXX Internet, but they are like most modern companies and send bills through the Internet. My driver 's license is base issued and also does not list my home address. Based on this, I am unable to order my reports and though I understand my situation is in a small percentage of US citizens, there is no justification why XXXX and Equifax do not provide a phone number for support.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX XXXX in the XXXX in XX/XX/2019. I paid {$1200.00} for the order using a store credit card from Synchrony Bank. We did not receive the furniture delivery and when we contact the store they were no longer in business. We reached out to Synchrony to dispute the purchase and receive a refund since we did not receive the merchandise. Synchrony has not been helpful in resolving this matter. They have also damaged our credit since they reported the account as late or delinquent. We requesting a full refund and removal of the debt since we never received the merchandise from the merchant and Synchrony was aware of these issues.
Product: Checking or savings account

I just got paid from my job after getting laid offf and capital one is still holding my deposit!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter constitutes a formal complaint against Banco Popular de Puerto Rico ( BPPR ) for the unethical procedure in the intent to report inaccurate information on my credit report on all bureaus. Due to the lack of compliance from their part with the Moratorium as offered by the bank after Hurricane Mara in which the three months XXXX, through XXXX would be added at the end of the mortgage and the regular payments would continue on in XX/XX/2018. Moreover, your employee told us that our call was not even necessary because we qualify automatically to benefit from the three months break BPPR was giving. Banco popular has not honored their offer and has ruined my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE LETTER TO XXXX  ON XX/XX/XXXX AS OF XX/XX/XXXX XXXX  HAS FAILED TO COMPLETE MY INVESTIGATION AND COMMUNICATE RESULTS WITH ME FOR THE FOLLOWING ACCOUNTS. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX rejected my XXXX Credit card application stating too many credit cards were opened during last 2 years as per Equifax. As far as I know only XXXX credit cards were opened and I usually carry a XXXX balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over XXXX. I am not new to XXXX and already had a banking relationship with XXXX for last XXXX years and own a credit card from XXXX as well which has a XXXX balance. XXXX publish promotions online which I called a bait to attract customers like me reject them giving XXXX stories. I believe I was treated unfairly due to Equifax report and approve my credit card application ASAP since I have a good credit history for last XXXX years.
Product: Mortgage

I financed a home with Roundpoint Mortgage in 2015 and subsequently refinanced with XXXX XXXX XXXX for a better offer. XXXX XXXX XXXX requested a payoff in XXXX and after going through the normal refinance process, XXXX XXXX XXXX paid the amount stated on the payoff statement generated by Roundpoint Mortgage. In the middle ( or so ) of XXXX 2015 I got a letter from Roundpoint Mortgage stating that my payoff was short and that I still owed roughly {$4000.00} and when I inquired ( over several months of trying to hash this out ) I received conflicting stories. I went back to the title company to inquire as to what happened and they were uncertain given that they transmitted precisely what the payoff requested. In short, it was only later that we all found out that Roundpoint Mortgage paid my taxes and insurance ( which they should have ), but admitted that they erred in not including the escrow account in the payoff statement and subsequently they blamed the title company. Both the title company and Roundpoint have washed their hands of the matter pointing the finger at me to pay on a house that I do n't even own anymore ( it was sold with a clean title ). Bottom line is these clowns are ruining my credit instead of owning up to the omission on their part. I even went so far as to suggest we ( myself, the title company and Roundpoint ) split what they feel is owed so we can wash our hands of the matter and Roundpoint said no - pay up, its not our fault the escrow account was n't included in the payoff and even we n't so far as to send me a caveat they have on all payoff statements that fundamentally states that they reserve the right to skim off the payoff received to cover any shortages ... fine, but should n't they have at least notified all parties involved instead of shorting the payoff and them coming back as if we all were in the know?
Product: Debt collection

Forster Garbus and Garbus calls me from spoofed numbers and now from a hidden number. I told this company to leave me alone 3 YEARS AGO and they're still calling me. Enough is enough.
Product: Checking or savings account

Capital one is withholding my payroll from my account. I am usually paid Wednesdays ( XX/XX/XXXX ) by them for payroll that is done on XXXX. My company processed payroll Monday ( XX/XX/XXXX ) meaning I have no other way of accessing these funds without canceling the deposit and waiting for a paper check. 

They are claiming internal errors but I have only received a single update email from them at XXXX this morning Friday ( XX/XX/XXXX ). I have waited over 2 days for my paycheck. I have bills to pay and groceries to buy. I cant receive any ACH transfers either so no way for me to receive any type of money for my checking account.

I called twice and their lines were busy. I tried to access the app to chat with customer service and I was locked out. Its outrageous that they are holding our paychecks hostage and not giving any updates. We were told this would be fixed this morning. Its now past XXXX on a Friday. If I dont receive this deposit, I will receive late fees and dings to my credit scores. I dont know when I will receive my deposit and its causing intense stress. There should either be fail safes or better communication with this company and their customers. I will be taking my banking elsewhere, but in the meantime I have no funds.