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

I've had so many issues with logging into both Transunion and XXXX. I want to log into both of these accounts in order to secure a credit report freeze as well as to simply access my accounts. Every time I try to log in I go through the same cycle of retrieving my account via reseting password which inevitably ends up with the " temporary error '' page. This is ridiculous. I haven't been able to access my accounts for years. I reached out to both credit unions via phones and were not able to even reach an agent.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days. Also 15 U.S.C 1681 section 602 A. States I have the rights 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. 
These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I inadvertently made a charge to an incorrect merchant on PAYPAL. Since then, PAYPAL customer service is next to nothing. I contacted the person/merchant to get my money back to no avail. I received a response in a foreign language ( XXXX I believe ). Trying to contact PAYPAL now is an exercise in futility. They claim they can't find the charge of {$100.00} yet they paid it.
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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX  : XXXX XXXX, XXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 168c. ( 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.

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: Debt collection

Capital One Auto Finance ( COAF ) has placed a charged-off status on my credit report due to an accounting error. I received a paid-off status from COAF dated XXXX XX/XX/year> along with overpayment checks in the amount of XXXX. 

Therefore, the status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. This account was never late ; the status went from paid in full on ( XX/XX/year> ) to charge off on ( XX/XX/year> ). The account was never 90 days late, which is required by FCRA for an account to be placed in a charge-off status. 

I have proof that this account should have never been placed in a charge-off status. Due to the account being paid each and every month on time. Capital One Auto Finance states this account was erroneously placed in a paid in full status on ( XX/XX/year> ) and months later ( XX/XX/year> ) declared a balance was still owed due to their negligence in processing payments without providing a notice or proof that an error was made. Due to COAF negligence this account should be placed in the correct status as paid as agreed/never late.
Product: Credit reporting or other personal consumer reports

o whom it may concern, Please note that in my 20 years plus of my credit history, Ive never missed or I have never been late on any of my bills including credit cards. This late payment is the only one that shows up in my credit history and made my XXXX score drop by almost XXXX points. This late payment of 30 days back in XXXX was due to WellsFargos error. They had accidentally taken my auto payment off because of which I missed my XXXX XXXX payment until I received a text message from the back stating that my payment for XX/XX/year> has not been received. 
This late payment had nothing to do with me or my financial situation. I should not be punished for my banks error. This has late payment showing on my credit report has dropped my credit score by almost XXXX points. I hope you understand my situation and help me resolve the matter at its earliest. Please remove the only one late payment showing on my credit report. I really would appreciate all your help and support. 

Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Somebody used my account to apply for XXXX loans in the amount of {$290.00} and also made a purchase at XXXX XXXX in another state
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  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 an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.
Product: Credit card or prepaid card

My name is XXXX XXXX. I'm a recent victim of identity theft. My business and person checking account have been skimmed 3 times since XXXX. We have tried our best to get back on our feet ASAP. I'm a XXXX XXXXe, Business owner and my husband is XXXX. Unfortunately our account got skimmed the end of XXXX going into XXXX. It took the bank and extended amount of time to recover our funds for us. It happened twice more. I've never seen anything like this. I noticed it more since the PPP loan and EDIL. I'm working extremely hard to rebuild my credit. Especially after experiencing identity theft. I love capital one and had actually intended on changing my business account to their bank. Because of the skimming I decided to open a checking account with capital one. Because I trusted Capital one Ave they've been great at assisting us up to recently. I understand that payments got returned. Unfortunately this occurred during the summer months while we were in the process of recovering our funds. But I still made me payments another way. Unfortunately without contacting me Capital one closed my credit card account ending in XXXX. I was extremely upset because this was insult to injury. I tried my best to make to navigate this difficult situation.To rectify any further issues I decided to open a checking account in which I did before the closure of my credit card. I asked for help transferring money from my capital one checking to my credit card while on the phone with agent. He was unable for some reason to assist. I was also having issues with also with the app. I did notify customer service of this. I also had to reorder my debit card. Also mentioned during the card that I was concerned that it potentially went to the incorrect address. I never received the first shipment.
Product: Checking or savings account

My account was closed on XX/XX/2023. Chase Bank closed my account due to suspicious activity. Then the bank held my money for more than 3 months for no other reasonable action. My remaining money in my account before the restriction was {$31000.00}. Chase is the only bank I have, and I don't have backup money for my life. Then I asked my family to send me some money, otherwise, I could not live without any money. I make a regular call to the chase bank customer service line : XXXX. The agent always said the money was under investigation and asked me to call them back in another 7 days. I kept doing this for XXXX months and I haven't made any effective progress on it.
Product: Debt collection

This complaint involves a utility, XXXX XXXX, in New York, and their collection agency LJ Ross Associates in XXXX XXXX XXXX Michigan, XXXX XXXX XXXX, XXXX MI XXXX ( XXXX ) XXXX. 
I have a stellar credit record, always paying my bills and have no late or bills in default. 
I had moved to an apartment building and was disputing charges that were inappropriate to my account with the utility. The basis for my complaint is that after a few months, I actually moved out of the apartment but was being charged by the utility as if I lived there. The charges were several hundreds of dollars monthly based perhaps on another tenant 's prior usage but not my actual usage. XXXX  XXXX - without any notice to me - sent my account to LJ Ross Associates. In turn, and once again without ANY NOTICE to me, LJ Ross Associates put a collection notice on my credit report -- permanently damaging my credit standing for absolutely no reason. I never said that I would not pay the bill, rather the bill from the utility needed to reflect the accurate charges. 
My complaint surrounds treatment of me and complete disregard for the credit rating and score that I have had all of my life, having paid all of my bills without ever being late or delinquent. These are harsh and unforgiving tactics that are undeserved given that I absolutely was intending to pay my bills, as I have for the past XXXX years as a XXXX XXXX client in New York. This shows me that utter disregard and harm has been done, given that collection efforts CAN remain on the credit report for up to 7 years. This is bullying, destructive and cruel, with malice, with absolutely no care for people in a pandemic. I will also state I closed my XXXX XXXX account and moved out of state ; however, my email and phone and all contact information was readily available and in the possession of XXXX XXXX and its collection agency. 
I am hoping with this complaint that an investigation take place and that these firms institute corrective measures to 1 ) provide notice of collection referral prior to damaging an innocent person 's credit report ; 2 ) request and strongly encourage LJ Ross Associates to remove the collection activity from my credit report to be permanently expunged since it was there wrongly and without ANY justification and notice.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX 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 vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the election 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: Credit reporting or other personal consumer reports

This account is reporting inaccurate status information. Open/closed. Acct. open on Transunion. Acct. closed on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan for a car with Navy Federal. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my Navy Federal Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act 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 reporting, credit repair services, or other personal consumer reports

There is a Hard Inquiry on my credit report of XXXX  with the name of Discover Financial Ser ( see attachtment ), I have tried to dispute this with XXXX  and also Discover but both company denied to help me in this. 
I do not have any credit card or account with this company.
Product: Mortgage

I conta  cted New Day USA for a mortgage refinance on my current mortgaged property.
I was then called 1 m  inute later by a sales representative named  XXXX   XXXX  who asked me questions to apply for a mortgage loan with them.   First, he says " thank you for your service ''. I hate that.   After enough questions he asked to do a credit check and asked me for m y SSN.    Unfortunately, I gave  him my SSN.   XXXX  said m y credit score w as  XXXX .   After asking that only then did he ask about my employment situation and since I have n't worked for an employer in 5 months, he could n't qualify me for the loan.   I told him I have investment income ( stocks ) from dividends and I have a job starting on  XXXX   XXXX . But that was not enough. So, I asked him why could n't he have asked that question prior to running a credit repo rt with my SSN?    He said " that is not how it works ''.   Well, that should n't be how it works and now my credit is negatively affected and have not been approved for a loan.   They hurt veterans, not help them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/1978, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 auto loan account opened at XXXX XXXX XXXX on XX/XX/201, under the account number XXXX. This account have resulted in several fraudulent Late payment appearing on my consumer FICO credit report. I do not recognize the aforementioned account, late payment as reported. The aforementioned account, Late payment appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, Late payment are the result of identity theft and fraud. I have a ached a copy of FTC Iden ty The Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the late payment is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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. 

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, 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 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 reporting or other personal consumer reports

I sent out numerous of letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt..

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action. 
Sincerely,
Product: Mortgage

On XXXX I received a letter from SPS stating that my mortgage payment will be increased due to an escrow shortage due to property taxes and home insurance increase. Immediately, I contacted them and asked for help because in my acknowledgement the calculations were wrong. Unfortunately, I didn't receive any help, they told me that everything is clear, and I am wrong. 
After tried dealing with the matter over the phone, on XX/XX/23 I sent via mail a letter to Select Portfolio Servicing attaching the escrow letter, my homeowners insurance declaration page, my property tax bill. 
Until the present time, I did not receive any response about my letter. I called SPS today and they confirmed that {$4100.00} is my payment without any note or changes, they offered me mortgage assistance meaning loan modification, which I will never accept for something that they did wrongly. 
PLEASE help me to get this resolve, I can't afford the increase and not only that they are wrong in the calculations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF ED/XXXX US DEPT. OF EDUCATIO Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO
Product: Money transfer, virtual currency, or money service

Im a XXXX XXXX  XXXX in XXXX and I sent my wife money to her in XXXX. I understood I wouldn't get a great exchange rate by sending it through Western Union but we were ripped off of $ XXXX when I sent her the money. 

The agreement was I sent {$1200.00} plus a {$9.00} fee and she would receive XXXX XXXX  pesos per their website when sending the money. When she went to pick up the money they would only give her XXXX pesos. I tried fixing this with Western Union but they have not bothered responding or refunding my money. 

The MCTN is XXXX.
Product: Credit reporting or other personal consumer reports

They have many errands including two SSN # on my account which has been detrimental to my financial health credit and living arrangements I can't get any help I need or want. 
places homes cars nothing because of their carelessness me and my kids have been homeless for over XXXX XXXX trying to deal the situation I do plan to seek legal advice