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

( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from Prosper ) I applied for a loan on XX/XX/2020 on the Proper Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX  ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " XXXX ''  may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ). 
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " Prosper Advocate '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to. 

So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails. 
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother. 

The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or credit history.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act. 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 Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have a BP me rewards Visa issued by First National Bank of Omaha whose rewards I cash in when I receive the bill for a statement credit and then pay the remainder in cash on the due date. Although the credit shows on my next statement as being applied along with my payment, I have been getting charged interest as if the entire monthly bill has not been paid. I have other credit cards that I do the same with and have no problem with it, as they properly apply the credit as a partial payment toward the balance and then credit the remaining amount when it is paid on the due date. 

I have been unable to resolve this and have closed my account, but want others to know that they are not operating in accordance with the XXXX XXXX XXXX XXXX in crediting accounts when transactions are conducted. 

The uploaded relevant portions of my previous bill showing several transactions that are actually in excess of the previous balance all paid prior to the XXXX XXXX due date.
Product: Student loan

I was on the SAVE Plan until XX/XX/XXXX. I applied to consolidate my loans right before the deadline to do so for the one time IDR adjustment on XX/XX/XXXX. I spoke to a Mohela agent on XX/XX/XXXX to confirm that I am on the SAVE plan and do not need to renew. I was informed I am on the SAVE plan until XX/XX/XXXX and do not need to renew, that once my federal loans finish consolidating I will go right back into the Save plan. My consolidation completed XX/XX/XXXX and I have newly started to accrue interest since that date. My XX/XX/XXXX application for IDR plans has still not been processed by Mohela and I have been told now new and different information that since I tried to consolidate and there was a court injunction on XX/XX/XXXX my IDR plan application has just been pending and I cant even been placed on a SAVE forebearance even though I was on SAVE until XX/XX/XXXX before I consolidated. As a result of this mistake, I have accumulated as of XX/XX/XXXX {$5900.00} in interest in just these 5 months alone. This is very concerning for me. Mohela has placed me on a " Processing Forebearance '' which accumulates interest. They refuse to put me on a " SAVE forebearance '' like other students and have sat on my IDR application without doing anything since XXXX/XXXX/XXXX. It is very frustrating
Product: Money transfer, virtual currency, or money service

Cash app owes me XXXX XXXX {$1700.00}. They lock my account and kept my money back in XX/XX/year>. My Personal Account And Business Account Through Cashapp. This Put Me At Setback That Month. Cash app didnt give me clear explanation. And I Loss out on {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
OAG CHILD SU XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed that there are two accounts from XXXX XXXX  with two different account numbers being report on credit report. Account # XXXX and Account # XXXX.I only have one account with XXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : 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 writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX my chime account was compromised of {$4800.00} due to the fact my card was lost. I contacted chime to let them know what was going on with my account. Chime notified me that the charges on my account was through XXXX XXXX in which I was not aware of. Chime trying to make it seem like it my fault. I called XXXX and they told me that there wasnt no transactions under my XXXX  nor phone number with XXXX XXXX. Chime is giving me a hard time on giving me my money back.
Product: Debt collection

XXXX XXXX XXXX ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and XXXX XXXX XXXX has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. I am reporting the inappropriate use of my credit card. 

The inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX, 2024 I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an investigation can only be made on my credit report when I provide consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report.

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX
Product: Credit reporting or other personal consumer reports

A new credit account appeared on my credit report, a XXXX dollar loan from XXXX as a XXXX XXXX card. I did not open this card and I disputed it with Experian, who refused to change my credit report. I tried reaching XXXX, but they passed me to three different phone numbers and told me they can't help me because I do not have the application for the card I never applied for.
Product: Credit card or prepaid card

I called and asked for a goodwill adjustment on my account due to CareCredit being reported as late. They are refusing to grant this I mistakenly missed a payment in XX/XX/XXXX and XX/XX/XXXX due to some family issues but have not had any late payments prior to that or since catching up in XX/XX/XXXX. As of XX/XX/XXXX, I have paid the balance completely off. I called on XX/XX/XXXX to ask for a goodwill adjustment but was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not fix this with XXXX XXXX, as I do not have the full account number, nor do I have an online account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX of XXXX located at XXXX XXXX XXXX, XXXX, MD, XXXX on XX/XX/XXXX. The purchase was in cash. However the dealer performed a hard credit inquiry without my permission and without legitimate business purpose. The dealer said they would submit a letter to XXXX to get the hard inquiry removed however to date it has not happened. I contacted XXXX as well as Experian and they have been unhelpful thus far.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

Good afternoon, I recently checked my credit score through XXXX  and became aware of an account I did not recognize. 
XXXX  reported that I owe {$1700.00} to Midland Credit Management. 
I called Midland Credit Management and informed me that I had an account with XXXX XXXX  XXXX through XXXX XXXX and that they were a collection agency. 
I told the person I spoke to, that I have never opened an account at XXXX XXXX  XXXX therefore I do not recognize this charge and to please remove it immediately from my credit report. This person told me that I had to contact the law firm handling the case and refuse to provide me more information. 
It seems someone XXXX have opened a fraudulent account using my name at Bass XXXX XXXX and I was not aware of it. 
Thank you for your help. 
Regards,
Product: Credit reporting or other personal consumer reports

This account should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX {$1400.00}
Product: Debt collection

On XX/XX/2021 I called Hunter Warfield because there was something on my credit report. I asked for a letter to verify the debt because I have never received anything. They responded by harassing me and telling me that if I didnt pay them immediately they would sue me. I told them okay I understand that but I need to receive a letter. RUDE. The man badgered me about everything but sending me the letter. I mailed them a letter as well telling them I wanted written communication and no more calls, that I was requested a debt validation. 3 weeks later and no response. They are still trying to contact me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX-XXXX  veteran and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, Equifax and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ XXXX XXXX XX/XX/XXXX XXXX 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX Please delete the Following 10 Hard Inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX Inquiry XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I have XXXXwo opened mortgages, One from XXXX and and other XXXX, ever late in monthly payment. I notified bank ( Midwest Loan Services XXXX on XX/XX/XXXX that I am unable to pay the mortgage due financial loss in current situation. 
I received email back asking to call, unable to reach them due to wrong extension. So left a XXXX Mail on operator 's mailbox. 
Several correspondence happened until XX/XX/XXXX when loan was placed on forbearance plan with a condition to suspend one loan and pay escrow on second loan. Within a week bank started reporting negative ( delinquency ) to credit bureaus despite state law to to report due to Covid19 situation. 
I called them up and they refused to cooperate in this regards. 

Thank You
Product: Payday loan, title loan, personal loan, or advance loan

aqua finance company refused to delete the item off my credit report claiming the account is mine this company refused to send me the original contract that I signed in my name I also filed a police report on this matter I didn't take out a home improvement loan I rent out my house around the time they said I took out a home improvement loan I want this resolve or I will be taking this to court because they don't have any proof no that I sign no agreement papers. Yes, they have my email and verified my social security number address that's because my personal information was stolen.
Product: Credit reporting or other personal consumer reports

I made security deposit with XXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX midland and some other collection agency I cant recall
Product: Credit reporting, credit repair services, or other personal consumer reports

I called capita one on XX/XX/2021 to ask the amount I would need to pay to keep my account from going into a 30 day past due status. The representative I spoke with advised me to pay a minimum of {$180.00}. The capitaL one statement does not tell you how much is past due from the last cycle, but only tells you that it is past due. I paid {$200.00} on XX/XX/XXXX to avoid being 30 days past due, as advised by the Capital one has agent. On XX/XX/XXXX, I received an alert that my account was reported 30 days past due. This was very disheartening as I did what capital one advised. I called today and spoke to two agents XXXX XXXX XXXX ) ID ( XXXX ). The first agent was rude and unhelpful. She suggested that I speak to a supervisor. The supervisor named XXXX was helpful and told me that I should of paid {$200.00} instead of {$200.00} and that the previous rep misinformed me. At her recommendation, I paid the {$7.00} and submitted a dispute via the credit bureaus. I would like captial one to remove the delinquent status since I was misinformed by their representative.