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

I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 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 or has reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Product: Debt collection

A lawyer from a law firm called XXXXXXXX XXXX XXXXXXXX reached out to me stating that I owed them for a loan that was taken out with a company called Spotloan. They stated that they acquired the loan and we seeking repayment. I reached out to Spotloan, to the investigation division, and explained to them that a lawyer reached out to me seeking repayment for a loan that I had with them. The investigator that I spoke with stated that the loan I had with Spotloan was repurchased by Spotloan and that the account was closed and was placed at a zero balance. Furthermore, they informed me that if anyone is trying to collect on the loan they are scammers and thst there is nothing to collect on this account. XXXXXXXX XXXX  XXXX has repeatedly had someone reach out to me stating that I will be served with legal papers to collect on a debt that is no longer good.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Checking or savings account

I submitted a chargeback request " dispute '' to my Bank under the case XXXX XXXX and a few days agoon XX/XX/XXXX I saw on my account the reversal of the provisional credit given for this claim. I dindt get any letter or communication from the bank with the reason of the denied dispute. 
I answered all the information they requested by fax. 

The ammount is {$440.00}
Product: Mortgage

last month i request information from roundpoint mortgage. it has been a few weeks. i requested information on their website so i dont have a form submission date. ive been trying to call but their customer service shuts off when i call. i cant get an operator. i need to know why my mortgage went up so much. escrow was {$110.00} a month and now its over {$900.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond back to investigation I requested pertaining to  XXXX   XXXX  been over 30 days
Product: Mortgage

On XXXX XX/XX/XXXX Bank of America filed another report of missed payments with the credit bureaus regarding the account # XXXX which has been closed since XX/XX/XXXX. The bank correctly reported the closure of the account to the credit bureaus on XXXX XX/XX/XXXX following the sale of the property. However, the bank continues to file falsified claims of missed and late payments with the credit bureaus despite numerous promises to correct its records and ensure that all delinquencies are removed from my credit report. 

There was never a late or missed payment at any time during the existence of the mortgage.
Product: Money transfer, virtual currency, or money service

Im 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 very vulnerable and unprotected. Therefore, 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 dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verfication of this alleged debt. Verification consists of a formal declaration where you swearto the truths of the statements of the facts of the matter, having first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Credit Collections Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to your reporting information in my name to the consumer reporting agencies. 

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00}
Product: Checking or savings account

XXXX dollars were withdrawn from my account by BAnk of america without my knowledge throwing my account into negative balance When questioned they said they had an accounting mistake and will be credited back When called again said dont know it may take 7- 10 days for credit back Customer service agents not helpful Cant get an appointment at the local bank they have no open appointments I have bills to pay
Product: Money transfer, virtual currency, or money service

I had a wire transfer deposited into my account that was blocked. By the bank, no reason given, no correspondence, no email, no call back, the funds were deposited on XX/XX/2020, even though I can't withdraw funds the bank continues to take fees out of the account. I'm now defaulted on mortgage and insurance, and can not pick up XXXX XXXX gifts on lay away, pay bills or utilities ....
Product: Checking or savings account

Chime banking promised a dispute credit within 10 business days now they lied saying 20 business days and their dispute process is very shady and not fully honest about their policies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a XXXXXXXX XXXX  opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXXX, and another XXXX XXXX opened at XXXX XXXX XXXX XX/XX/XXXX XXXX account number XXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Remove Hard inquiries from XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report XX/XX/year> and I see an account that I do not notice
Product: Credit reporting

Experian has not responded to my certified letter they received on XXXX XXXX, XXXX. The letter stated the following : RE : XXXX Dear : Experian please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that tis account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was sent {$600.00} to my Venmo account for XXXX XXXX car rims from a customer it was shipped and they received it all of a sudden Venmo suspended my account then it was unsuspended again but yet I can not cash out MY {$600.00} balance they asked for me to verify identity etc I sent my driver license I sent the receipt that I also gave customer mailing address with my name I basically gave them everything to then come and tell me that my account will be closed and that I would have to wait up to 180 days to receive my money I contacted them numerous times for an explanation they still will not give a clear explanation now on XX/XX/year> they filed for the 180 days to begin but when they sent the date it said XX/XX/year> is when XXXX receive my {$600.00} to cash out of his is RIDICULOUS and I can not wait that long this company is a big time SCAM and customer service overall sucks its my money and I need it NOW they already made a decision and closed my account so just give me my balance of {$600.00} and end it but instead theyre holding my money XXXX so I need to get this money back its XX/XX/year> now as I wrote this letter as well I need this money for upcoming rent and bills or else XXXX going to be in a big hole financial wise so please help me get my money released now rather than XX/XX/year> which does not even add up to 180 days from XX/XX/XXXX so CLEARLY theyre on some sketchy stuff.
Product: Debt collection

they keep calling everday none stop i told them that i gotten in touch withXXXX and they said that they did not send anything to collection agencyi explain to XXXX  that they have my address and now they are calling my mom house how did they get her phone number so now i am stuck with this collection agency calling everyday what do i do now
Product: Student loan

My student loan was serviced by Nelnet for the last XXXX to years. Never had a problem. 
I owe about XXXX payments. Sloan Servicing took over today. 
I went into my new account for the XXXX XXXX time today, and Sloan Servicing added on XXXX payments to my loan. I called 3 times and was told no one can help except a supervisor and I can only leave a message. 
You can only see this extra XXXX payments when you actually click on the individual loans where it says the amount due, the balance and number of remaining payments. Sloan said reason is because I consolidated my loans... I consolidated my loans like XXXX to years ago, and that should not make me pay XXXX additional payments. 
Sloan said they see that I owe XXXX payments and that is what it shows on the record. This is not accurate, this is illegal, and they are adding XXXX payments, illegally on to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to look properly at the attached documents to understand what happened to me and my credit report.
Product: Consumer Loan

I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle ... so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.
Product: Prepaid card

I received {$1000.00} American Express eGift from my work back in XX/XX/XXXX. I have been able to successfully make two purchases with this card earlier this year in XX/XX/XXXX. However, now when I try to use my card at the same merchants it gets declines even though there is still {$960.00} left on the card. I have tried dozens of merchants with no luck. I've reached out to American Express support multiple times in XX/XX/XXXX to help resolve this issue. They told me they would be mailing me a check with the full amount and would be here within 3 weeks. It has now been 3 weeks and I have not received any communication from the company. After doing some research it appears that many people are having this same issue with no help from American Express. Here is the case # I filed with American Express to receive me refund : XXXX
Product: Debt collection

First contacted XXXX/XXXX/16. Goes by numbers ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Asked for information from them and said they were First Recovery. Wanted to verify my social security number. Asked more questions and little or no response. Called again and was addressed by a different name. Representatives spoken to named XXXX ( twice ) and XXXX. Threatened to call the police last spoken to and ended conversation. Reporting immediately.
Product: Credit card

Synchrony bank submitted my name to all XXXX bureaus with XXXX late payments even though I had been making them. They charge XXXX per month for a late fee, even though the payment might have come in just a few days late. They were turning me in because of the Late fees because even though I was paying them the regular monthly payment, I was unaware that late fees were accumulating and putting my bill into the " late '' category. I think turning me in XXXX times to credit bureau without being notified was excessive! I have since put them on autopay and if I had the money, I would pay them off immediately! They are rude when up you call and their communication is terrible! I had no idea they turned my name I to credit bureaus until I ran a report - are n't they supposed to notify you?
Product: Credit reporting or other personal consumer reports

got an email from XXXX that citi bank said I was over my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i signed up for bright money services the subscription fee was supposed to be {$8.00} a month for 12 months but they took the whole {$99.00} out my checking account at XXXX time. I finally got the opportunity to talk to a live person after trying for 3 days. The response to my emails are vague and unsupportive. i was promised a refund but haven't received one as of yet
Product: Vehicle loan or lease

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) for Account # XXXXXXXX XXXX XXXX XXXX
Product: Credit card

In early XX/XX/XXXX, I signed up for a CareCredit card to help with emergency expenses. 

I signed up from my phone at XXXX after learning about the card through a brochure in the office waiting room during an emergency. I was under the impression that I was signing up for a 24-month agreement, where I would pay no interest as long as I paid off my card within 24 months. 

On XX/XX/XXXX, I was taken by surprise with an interest charge of {$3000.00}. The cardholder agreement says it is an APR of 29.99 %- on the ORIGINAL balance of the card, not even what's remaining after 18 months of payments. Since I thought I had a 24 month agreement, I thought I had 6 more months to pay off my card before interest would apply. I received no warnings that my term was about to expire. I have never been able to access my statements as the website takes me to a blank " welcome '' page after logging in, so I trusted the information I wrote down for myself and made automatic payments through the app ( which works for payments but does not allow me to view statements, customer terms, promotional periods, or impending interest charges ). I had no way of knowing that the bank had a different term recorded than I thought I had. 

The only cardholder agreement I have been able to obtain is generic, and says it applies to promotional terms of either 6, 12, 18, or 24 months, but does not say which I signed up under. Upon calling the customer service number, they were not able to provide any documentation of my agreement to an 18 month term. They say I would get that information from the medical provider I signed up with, but I signed up directly through their website on my phone. I have no records to indicate that I agreed to an 18 month term. 

This system is predatory and hits customers unexpectedly with exorbitant interest rates without any effort whatsoever to notify customers of impending interest charges and without providing any documentation about our promotional periods at sign-up or after the fact. It makes money off of people who are desperate in emergency situations and is not clear about what they're signing up for.
Product: Credit reporting

XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. 
But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX XXXX : {$530.00}
Product: Debt collection

I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions