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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Account # 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.
Product: Credit card or prepaid card

Citibank failed to honor my payment order and remittance transfer for the payment of this debt. Citi failed to credit my account and closed my account which is a violation of Truth and Lending.
Product: Debt collection

XXXX XXXX XXXX XXXX HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY EQUIFAX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYEQUIFAX.COM CREDIT REPORT BOTH ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED EQUIFAX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX which is considered a XXXX XXXX XXXX company took a loan out in my name that I did not authorize. This loan is now with XXXX XXXX in the amount of {$3300.00} and has landed on my credit report in collections. Apparently this loan is also accruing interest. This debt hit my credit report XX/XX/year>. XXXX XXXX, I do not have anything physically in my possession that cost me {$3300.00} that will make them feel like they needed to take out a loan in my name and I need to repay this loan for absolutely nothing. I haven't went on any vacations or anything that has to do with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request for Consumer Disclosure Report three times. 
First timeXX/XX/2020 by mail and on XX/XX/2020 online and XX/XX/2020 by fax. 
I have never received any report showing any negative accounts information or letter stating that I was removed from ChexSystem.They do not have a live person line and I facing the wall at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

This background company keeps reporting things on my background report that should not be reported because of my expungement. Ive provided them my expungement documentation numerous time in regards to this matter but they do nothing about it, and continue reporting it. Ive lost 6-7 big contracts behind this and its screwing up my life
Product: Debt collection

XXXX XXXX did some work on XXXX XXXX teeth. When that work was completed and paid for. XXXX XXXX was SUPPOSED to remove XXXX and give XXXX.. BUT they did the first treatment over again and did not want to XXXX XXXX 's teeth and give him a XXXX So we went to a different Dentist to get a second opinion.. AND XXXX 's XXXX were beyond saving they were XXXX and causing him a Great deal of pain and had to be removed IMMEDIATELY, or cause other health issues! XXXX was treated that day. We contacted XXXX XXXX and told them what had happened and they would not return our calls or make any contact with us and then sent us to collections for work they did not do. Now they want payment for something they did not do AND XXXX has no more XXXX and only XXXX.
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 practice, which violate the onsumer Financial Protection Act ( CFPA ). Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vurable and unprotected. Furthermore, their dispute resolution process was unfair and decpective, as they did not comply the with the error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a signinfacnt inconveinence and finacial loss, and i seek the appropiate redressfor these violations.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with American financial. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that XXXX XXXX trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know American financial sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXX.They are get over and using they lawyers as intimidation. 
please hold the firm accountable for unfair practices.
Product: Debt collection

I went to visit XXXX XXXX XXXX on XX/XX/2021. I had dental insurance by XXXX XXXX and I checked with them and my insurance would have pay the doctor if she called them. The insurance says nobody from her office contacted them XXXX XXXX 's office office was inadequate to contact my dental insurance and they sent my bill to collection without even sending me a bill ). So far, two errors by her office : 1. lack of knowledge to contact insurance, 2. sending a bill to insurance without sending me any notifications or calls. 

XXXX XXXX had a broken shoulder and was out of job, and the collection did not provide me a way to contact her. The numbers they gave me were wrong, until I found XXXX XXXX 's new office. I talked with the office manager 3 days ago but they have not replied back to me. I can send you the email thread of my email sent to " XXXX '' in which I ask them to call the insurance, even jointly with me, but they did not reply. I had contacted XXXX XXXX 's email at " XXXX '' so I can direct them about the insurance, but she did not reply. I am very tired of this whole process, and I am an American supported by ADA act of congress. The amount of emotional pressure they have put on me is tremendous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX   Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate theses Accounts : XXXX  Financial account # XXXX XXXX XXXX account # : XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX XXXX XXXX  account # : XXXX XXXX XXXX XXXX account # XXXX XXXX  as ( Orgingial XXXX XXXX XXXX XXXXXXXX ) account number # : XXXXXXXX XXXX ( Orgingial Creditor : XXXX XXXX XXXX ) account # : XXXXXXXX XXXX account # : XXXXXXXX XXXX account # 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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. Also they aren't even in compliance with metro credit reporting. I have Evidence to prove my case
Product: Checking or savings account

TODAY, XXXX, THERE WAS A DEBIT TRANSACTION THAT I MADE INTENTIONALLY FOR {$21.00}. HOWEVER, I FORGOT MY DEBIT CARD WAS " LOCKED '' BY USING MY XXXX BANK OF AMERICA APP AT THE TIME OF THIS TRANSACTION. THIS TRANSACTION WAS ALLOWED TO GO THROUGH AND DEBITED MY CHECKING ACCOUNT. THIS IS NOT THE FIRST TIME. THE REASON WHY THIS INCIDENT CAME TO MY ATTENTION WAS BECAUSE I WAS ATTEMPTING TO ADD MY BANK OF AMERICA DEBIT CARD TO MY CASH APP ACCOUNT, BUT IT WASN'T SUCCESSFUL BECAUSE MY CARD WAS LOCKED. I RECEIVED AN ALERT VIA EMAIL THAT THIS COULDN'T TAKE PLACE BECAUSE MY CARD WAS LOCKED. MY CARD WAS UNLOCKED AND RELOCKED ON XXXX @ XXXX XXXX  AND HAD BEEN LOCKED THE ENTIRE DAY XXXX UNTIL XXXX XXXX. THE PAYMENT OF {$21.00} WAS INITIATED AT XXXX XXXX, WHILE MY CARD WAS STILL LOCKED. I CALLED BANK OF AMERICA ABOUT THE PREVIOUS ISSUE WITH DEBIT TRANSACTIONS BEING PROCESSED WHILE MY CARD WAS PHYSICALLY LOCKED AND ASKED WHAT THE PURPOSE OF HAVING A FEATURE TO LOCK MY CARD WHEN A DEBIT TRANSACTION WAS ALLOWED TO BE PROCESSED. 
IF ANYTHING, IT SHOULD HAVE BEEN DECLINED AND THEREFORE ALERTED ME AND REMINDED ME TO GO AND UNLOCK MY CARD TO COMPLETE MY PURCHASE. BUT NO, THAT'S NOT THE CASE. THE ONLY THING THAT I RECEIVED FROM A PREVIOUS REP OF THE BANK OF AMERICA WAS THAT HE WOULD ESCALATE TO SEE WHY IT WAS HAPPENING. I RECEIVED NO FEEDBACK OR ASSURANCE THAT THE ISSUE WAS RESOLVED. I EVEN TOLD HIM THAT IF IT HAPPENED AGAIN, I WOULD FILE A COMPLAINT BECAUSE AT THIS POINT, I DONT FEEL THAT BANK OF AMERICA IS PROTECTING MY ACCOUNT AS IT SAYS.
Product: Credit reporting or other personal consumer reports

I dont have a foreclosure relationship with XXXX XXXX and never provide signatures entering into an agreement with this company. They are reporting without my consent in a predatory fashion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX  I SENT A REQUEST TO ALL XXXX  BUREAUS ( EXPERIAN, XXXX, XXXX ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX account XXXX 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 consent. TRANSUNION was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION is reporting unauthorized inquiries on my CONSUMER REPORT. TRANSUNION is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO TRANSUNION WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to XXXX XXXX XXXX A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows an incorrect balance of approx. {$19000.00} on my XXXX XXXX XXXX XXXX Visa, when it has actually been approx {$13000.00} for several months.
Product: Student loan

The Public Service Loan Forgiveness ( PSLF ) program through the Federal Student Aid website revised the Employment Certification Form to offer the following three options, " 1 ) I just want to find out how many qualifying payments I have made or if my employer is a qualified employer ; 2 ) I believe I qualify for forgiveness under PSLF or TEPSLF right now ; 3 ) If I indicated that I believe I qualify for forgiveness now, I want a forbearance while my application is being processed, but understand that periods of forbearance do not count towards forgiveness. '' The form no longer reflects an option for individuals working towards completing their 120 qualifying payments for federal student loan forgiveness. For example, I am a government employee and certified my employment in XX/XX/XXXX ; I will certify again in XX/XX/XXXX to receive credit toward PSLF since the twelve qualifying payments from XXXX have not yet been credited to my loan account. The revised employment certification form does not appear to reflect the information required in order for me to certify and receive credit from FedLoan Servicing for the 12 qualifying payments over the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST RECIEVED MY REINVESTIGATION BACK FROM TRANSUNION. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION OF 15 USC 1681i ( 7 ). 

BECAUSE THE LIST OF ACCOUNTS BELOW ARE NOT ACCURATE. THE OPEN DATE, DATE LAST ACTIVE, AND DATE OF LAST PAYMENT IS NOT 100 % ACCURATE. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX THEY DID NOT MODIFY OR DELETE THE INACCURATE INFORMATION ON MY CONSUMER REPORT ACCORDING TO 15 USC 1681i ( 5 ) ( A ) ( i )/ I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX Driver 's License : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX Re : Dispute Regarding Identity Theft and UCC-1 Filing CFPB Case # XXXX To Whom It May Concern : I am writing in response to your letter dated [ insert date of their letter ], regarding the complaint I filed through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, concerning inaccurate information on my consumer report and identity theft. 

I appreciate the effort XXXX has made to review my case, and I acknowledge your request for additional documentation to process my dispute. Please consider this letter as a formal request under the Fair Credit Reporting Act ( FCRA ) for a description of the procedure used to determine the accuracy of the disputed information, as well as the contact details ( business name, address, and phone number ) of any entity that provided the information in question. 

In addition, I want to clarify that my goal is not to merely update my file with my UCC-1 financial transactions. I expect that these transactions be properly recorded and posted on my credit report like any other tradeline. This includes reflecting them as active financial obligations and reporting them in the same way other debts, loans, and tradelines are listed on my credit report. It is essential that my UCC-1 filings be handled with the same standards and procedures as any other tradeline reported to credit bureaus.

I will be submitting the necessary documents to verify my identity through your Consumer Portal as per your instructions. 

Please keep me informed of any further actions required from my side and update me on the status of my dispute and the inclusion of my UCC-1 financial transactions on my credit report at your earliest convenience. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX
Product: Mortgage

I asked for a loan modification back in XXXX of XXXX I didn't hear anything back from him and then here in XXXX I got a notice that they were going to default on a modification that I did not sign or know about and now they're trying to get me to foreclosed and I did not know that they gave me a modification because I didn't sign anything that I did not know anything and I did explain that to them over the phone she's saying I missed it and I didn't know about it
Product: Checking or savings account

Hello. We had someone make fake checks through our business acct and deposit them at an online bank, XXXX XXXX. The fraudsters names were XXXX XXXX, XXXX XXXX, & XXXX XXXX. 

Transaction dates, amounts and fraudulent check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by Equifax that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. Equifax assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, I applied to work for XXXX XXXX and the company that they work with for background checks ( Checkr ) has put down erroneous data saying my liscense was surrendered somehow. My application on XXXX XXXX has been pending for XXXX  and I was hoping this would help work things along finally.
Product: Mortgage

My hardship began with unemployment starting in XX/XX/XXXX through XX/XX/XXXX. I became employed at my current employer XX/XX/XXXX and worked with my lender to complete a modification as I was unable to pay the amount due at the end of my unemployment deferral/forbearance. Things were going ok as I was attempting to get caught up on my other debts that I fell behind on during unemployment. XX/XX/XXXX I had unexpected vehicle repairs at a cost of {$900.00} then during the winter months my electricity bill sky rocketed to $ XXXX- {$400.00}. I have lived at my home for 6 years and the most my electric bill has been during the winter was {$250.00}. I was able to make some payments and sent 2 payments in the amount of {$1100.00}. I was advised the payments would be sent back to me and I would need one additional payment. I made contact to see when the payments would be sent back, as I was going to add the additional payment that was stated to be needed to it. I was advised that the money orders were sent back XX/XX/XXXX ( Saturday ) and was emailed a copy of the money orders and the letter attached with them. However, I never received my payments, nor the letter that was emailed showing them being sent back on XX/XX/XXXX. I called again and advised I had still not received my payments ; this was around XX/XX/XXXX. I was advised at this time that I would have to produce 2 payments instead of the 1 I was previously told no later than XX/XX/XXXX. I advised the agent that I could do that contingent upon receiving my 2 payments and I had a payday on XX/XX/XXXX. The agent advised that it needed to be submitted by XX/XX/XXXX. Foreclosure began on XX/XX/XXXX. 
I sought assistance from the NC XXXX and was denied. I continued to work with my lender and advised I still had not received my money order or the notice that stated were sent XXXX. I consulted with my bank to see if the money orders had been cashed. They advised no, but I would have to wait 90 days from the date I purchased the money orders before I could submit a refund request. The money orders where purchased XX/XX/XXXX, so I was unable to complete a request until XX/XX/XXXX and by that time my account was at 9 months past due and I was unable to make the full amount due or qualify for a repayment plan. I am currently seeking other employment, but no luck just yet.