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

I mailed a copy of my bankruptcy discharged notice from the United States District Court-District of Minnesota on XX/XX/2020 to Early Warning in regards to all of the negative and fraudulent checking accounts listed on my Early Warning Consumer Report : XXXX, all of the accounts listed on my consumer report are fraudulent accounts and those fraudulent accounts was discharged in bankruptcy court, but Early Warning continues to report and list the fraudulent accounts on my consumer report which is restricting me from opening a checking account and obtaining credit. There should not be any adverse or negative information or accounts on my Early Warning Consumer Report. Early Warning is in complete violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) under federal law.
Product: Checking or savings account

I have opened a checking account with HSBC bank in XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX branch. 

The account had a a special promo offer of {$370.00} signed up bonus if one of the following conditions are met : 1. Maintain balance in the new checking account of {$10000.00} for 90 days, or 2. Open account with {$5000.00} with a recurring direct deposit at least once a month. 

I have satisfied the 2 condition. Opening an account with {$5000.00} and since then having portion of my salary directed into the account. 

Upon numerous walk-in followups on the promo bonus, i was told it would be deposited at a later time, however, when it would not show up in the account, a banker advised it would be communicated to the management. 
Over all, i have made about 5 separate trip to the branch where at one occasion the banker admitted it was bank 's common practice not to honor the promo. 

On XXXX, XXXX XXXX, I received an email stating the banker had received a response from the corporate office and the bonus does not get posted due to my not satisfying a condition of depositing {$10.00}, XXXX. However, the same banker did acknowledge earlier that we satisfied the second condition. ( I have in my possession a hard copy of the promo, where both of the conditions are mentioned ). 

Since then, I have been trying to find other way to prove my right. 

I have not closed an account with them yet. 

I would appreciate your help on this matter. 

Thank you
Product: Debt collection

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX appeared on my credit report with XXXX and XXXX stating that I owe a payday company by the name of XXXX XXXX. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX for Midwest, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
Product: Debt collection

I am not liable for this debt with Credit Management LP, XXXX XXXX XXXX XXXX XXXX, TX XXXX. They did not provide me with the original application or contract bearing my signature like I asked. Therefore, they are unlawfully reporting this debt under my name to the credit reporting agencies.
Product: Checking or savings account

I've recently made a dispute with cash app on XX/XX/23 with this company about XXXX unauthorized transactions. I was told just wait they'll get back to me recently I call about our times this week I finally got to speak to someone yesterday XX/XX/23 around XXXX I was told my funds will be sent back into my account XXXX minute or up to XXXX hrs from that phone call. ive been waiting by my phone to pay my bills with this funds. They told me they been have a tech issue with people cards so ill be receiving my funds soon. Today I call back about my issue and was told my issue has nothing to do with there tech problem now and my dispute was denied which I was never told any information on why. so I'm currently confused to why I was told I will be receiving my funds and ive been waiting over a month and some change why no one has told me anything about my funds that was taken out o my account. I had plans to use my money for a few emergency bills im currently having. This company talked nasty to me a hung up on me when I asked more question about the process of my dispute and evidence of the investigation. I tried handling this problem with this company for the last month and have been treat badly lately is there anything you guys can do to help me
Product: Credit card or prepaid card

I did not receive a statement for this card until it was 2 months overdue with 2 late fees. I attempted to check my balance online and their website was down for 2 weeks. I tried to call customer service and was disconnected each time someone " tried '' to help me, after being on the line for over an hour. This has been going on for over a month and the late fees have not been reversed ( when I was told they would be ). I have called 8 times with the same result - call is disconnected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Vehicle loan or lease

Hello, I would like to share my current unfair experience. My wife and I have always paid on time. We both have never missed a payment. I had been paying off a car that I purchased at Carmax. Last year was the last year for the payment of 5 years. I have never been late on the payment or even missed a payment. For some reason in XX/XX/XXXX, I received a notice that the XXXX payment was past due. On our side, the payment was removed like all of our other auto payments. There would be no reason autopay was disconnected for the last XXXX payments! As soon as I received the letter in XXXX, I called Carmax. We spoke with the the local office and the corporate office. They confirmed that they would not report this to the credit bureau, but if they did, it would reflect in 30 days. I patiently waited, and no negative impact was posted on my credit score. I was of course sensitive because my wife and I had been preparing to purchase our first home. We had been preparing and making sure everything was okay for months before. We finally purchased in XX/XX/XXXX and everything has been going well. 

This month ( XX/XX/XXXX ), XXXX XXXX XXXX program alerted me that there is a missed payment. My score had gone down XXXX points. This was very shocking to me especially because the loan disclosures have been sent and the rate has been locked. We are 19 days from closing and they did a final check for credit score. They found this and now the whole situation is a different story. Now the numbers on our loan are looking to be much higher & to keep the same rate, we need to pay an additional point cost. 

Because of Carmax 's faulty autopay program, my credit score went from high XXXX to mid XXXX. This was a very large difference and making it difficult as I have this unexpected extra upfront point cost of {$6800.00} and additional {$100.00} of mortgage insurance each month ( it is expected to stay for 10 years= {$12000.00} ) Please help me receive this amount. 
Thank you for your time in advance.
Product: Debt collection

I have sent out several debt validation letters and a failure to validate debt letter with no response to neither of them Do you have to validate a debt and therefore they have not validated the dead or responded to me to any of my letters I have sent certified mail I have all the receipts for all the times I have sent them letters and I have copies of the letters
Product: Mortgage

Loan was sold to another servicer, Amerinat. I made a payment prior to that loan being transferred. i have spent 5-6 hours on the phone with both now trying to get this cleared up. THe old servicer shows the payment and sees that it was transferred to Amernat. Amerinat is not willing to do the work to find my payment. Now they are not accepting payments on my loan as it is in arrears. My payment was made on XX/XX/XXXX in the amount of {$1600.00} to XXXX XXXX and then that payment was transferred to Amerinat on XXXX XXXX it has been over 60 days and no one is helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Im sorry but you are going to have to permanently remove and delete XXXX XXXX account XXXX from my credit file! Due to FCRA violations. I asked you To review XXXX XXXX bank response date it XX/XX/XXXX in which they stated in their final response that they had notified all credit reporting agencies of the XXXX  XXXX bankruptcy that is completely false. And it was more than 30 days the item was not updated delete it therefore its a violation of the FCRA and it needs to come off the report today I also asked of you to review your response on XX/XX/XXXX in you stated the bankruptcy was not included this is more than 60 days since the item was disputed which is attached as well to the CFPB portal remove this from my credit file right now. XXXX XXXX also stated that they believe in fair and accurate credit reporting at 100 % which is XXXX  I demand you to remove this immediately included in bankruptcy was never entered and it must be removed today also review XXXX XXXX they show that Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were added to this account : Consumer disputes after resolution Bankruptcy XXXX XXXX Bankruptcy discharged Remarks are meant to make your report more clear. 
If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
NO Way This is allow to report on my credit file remove this today! Information should have been on the report back in XX/XX/XXXX and we are in XXXX XXXX XXXX No Thank you
Product: Credit reporting or other personal consumer reports

I have inquiries on my account that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is against RADIUS GLOBAL SOLUTIONS LLCXXXX Today I pulled a copy of my credit reports, and upon doing so I discovered that RADIUS GLOBAL SOLUTIONS LLCXXXX  is reporting a {$55.00} collection account to XXXX XXXX XXXX, and XXXX while also reporting inconsistent across the credit bureaus. RADIUS GLOBAL SOLUTIONS LLCXXXXs also incorrectly reporting that they are attorneys on my XXXX report. Impersonating Law Officials is a direct violation of federal law. They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. I am demanding that RADIUS GLOBAL SOLUTIONS LLCXXXXXXXXdelete the collection account they are reporting under my social security number immediately.

Failure to delete this frivolous account from my credit reports will result in me seeking {$1000.00} per violation of the FCRA and the FDCPA.
Product: Credit reporting

Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. 
See attached documents.
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen on XX/XX/22 due to recent activity that appears to be a violation of our User Agreement. When I asked what recent activity agents did not provide an answer. Venmo emailed a link for me to upload my driver license to verify my identity, which I did. Within the app, it states my identity has been verified but when I tried using my debit card provided by Venmo, transferring the money in my account to my connected bank account as well as even trying to send someone my money, the transactions immediately get declined. I reached back out to support who only tells me to look out for an email and that this can take up to 3 weeks. I have XXXX access to the only money I have which is in this account. Venmo does not care that I cant but food on the table for my family.
Product: Credit reporting

The Credit agency admits the receipt of proper documentation toward inaccurate information being reported from XXXX XXXX XXXX XXXX loan number XXXX They claim they cant find the name of the reporting mortgage company even documents from police department and supporting bank clearly indicates the reason for inaccuracy and removal of the wrong information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file : Fraudulent Accounts : XXXX XXXXXXXX - XXXX - XXXX - {$0.00} XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXXXXXX - XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00} Fraudulent Inquiries XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My credit report just showed I owe XXXX XXXX XXXX. I disputed it on my credit report but XXXX says it's a real debt. I have never heard of XXXX and have never received any mail, emails or phone calls telling me why I owe that amount to anyone. I am rebuilding my credit and this is a setback. I have never signed any contracts or aware of anything to do with XXXX.
Product: Debt collection

XXXX XXXX XXXX : I have NEVER given this company consent to my private personal information which is identity theft. This company nor whomever their client does not have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NO ACTION HAS BEEN TAKEN BY THE COMPANYS.
Product: Prepaid card

I purchased an ebay gift card on ebay.com through seller Paypal XXXX XXXX on XXXX/XXXX/XXXX with a stated value of {$100.00}. The buy it now price for this auction was {$95.00}. This gift card was delivered via email on the same day and sat unused in my email inbox until I tried to use it for the first time almost a year later on XXXX/XXXX/XXXX. At this time, I entered the provided gift card code and the balance showed {$0.00}. 

I filed a dispute with Paypal and they promptly denied my complaint. I searched online for a possible solution to this problem when I came across XXXX, where users in the forums reported a hack of the Paypal XXXX XXXX database. There were many users reporting stories similar to mine, and one of the members directed people in the forum to consumerfinance.gov for a possible resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports Experian, XXXX XXXX and XXXX. 

Ive disputed it several times.
Product: Debt collection

United Revenue Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, DE, XXXX To : The XXXX XXXX XXXX XXXX for United Revenue Corporation From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX  XXXX XXXX, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

govern yourself accordingly. 




By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Complaint Re : Error in Credit Report Action : Please remove Late input from my credit report, I have an agreement that I will not be report late. 

I am on a COVID payment arrangement I should not have incurred any late charges please see the attachments agreement. 

Call : @ XXXX I spoke to the Representative today and she has no information on what to do I was not able to speak to a supervisor for this error there was no manger or supervisor available for 1 hour the rep tried to reach a manager then we were disconnected. The Representation ID number XXXX her name is XXXX. I called to let them know I will be making a payment this Friday and that my agreement says I will not be report late
Product: Credit reporting or other personal consumer reports

XXXX I contacted Experian and they directed me to go online to update my information and I was unable to do so as they could send me a verification code. I called back to the XXXX and was unable to a live person. 

XXXX I contacted Experian and they directed me to go online to update my information and I was unable to do so as they could send me a verification code. I did get to a live person after XXXX minutes and after talking to five customer service reps they would not help me and kept transferring me to different departments until I ended up on the automated line again. Each person said it was not their problem and would transfer me to another person. They kept updating my personal information then transferred me to another department. 

I called the XXXX number and spoked to a lady which said she had limited power and tried to help me but eventually sent me back to the automated system which does not allow you to speak to a real person and eventually directs you to online system which does not work.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I received notice that the account XXXX XXXX XXXX XXXX was removed from my Equifax credit report. However on XX/XX/24, I received another notice that this same account was re-added to my account. I asked for certification of this account belonging to me but I was never given this certification. Also there are inaccuracies for this account across all the 3 credit report. I am asking this account be removed from my Equifax and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you 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 alleged fraud or extortion. XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Back in 2019 I attempted to sign up for service with XXXX. They were unable to offer services at our address. 5 years and many phone calls " resolved '' later, I am still receiving collections attempts from this compounding bill that I've never even had.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.