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

On XX/XX/XXXX I looked at my credit report and notice XXXX accounts ( XXXX XXXX, XXXX XXXX XXXX XXXX that shouldn't be reporting on my consumer credit report. I reached out to the CRA ( Equifax ) with dispute letters to get a proper investigation with proper identity and proof of resident since XX/XX/XXXX and corresponding mail receipt to keep record of communication, which i will include. Equifax XXXX conclusion is that XXXX these accounts are factual record of file and will remain on credit file. With respect to the FCRA requirements and can prove my rights have been violated because of willful noncompliance and they are subject to criminal liability violations. Some FCRA requirements that were violated was that CRA has a duty to maintain accurate credit reports, follow reasonable procedures to ensure the accuracy of the information in your reports, and XXXX CFR Part XXXX according to 15 USC 1681a 2 ( A ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions ( Credit transactions which are their permissible purpose ) or experiences between the consumer and person making report. Also 15 USC a 2 ( B ) Any authorization ( auto loan ) ( credit appliances ) or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( my social security card and my driver license are credit card according to the law ) or similar device. I Have suffered many damaged because of willful noncompliance of the law and are seeking monetary compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies on my Equifax credit report.
Product: Mortgage

On XX/XX/XXXX I called My servicer to update my address after paying off my home loan in order to collect the escrow check. 
At their direction, I submitted a form signed by me and my wife to update our address. Form noted that it can take 5 business days to update address. 

On XX/XX/XXXX my servicer mailed my escrow check to my old address. Servicer did not update my address. 

On XX/XX/XXXX my servicer told me they couldnt issue a new check for 30 days after XX/XX/XXXX due to company policy - even when it was their error in mailing the check to the wrong location. I think theyre doing this intentionally to collect interest on the funds - over {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has not investgated  XXXX  items on my report that are over  XXXX   years old fro m an alleged medical collection agency.   XXXX  i have no notifcation on the allegedly debt owed and EXPERIAN has missed the 30 day deadline but still remains on my credit report
Product: Debt collection

I do not have a contract or gave permission to this company. This debt was paid to the original company. This debt was illegally given to these people against my knowledge until it showed up & I was alerted of it being place upon me. 

There are false addresses placed on my XXXX XXXX report that needs to be removed as well. I tried to remove them but they returned back up on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and being re-aged. The account is listed with a past due balance of {$370.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which appears to be an attempt to re-age the debt. This date suggests recent activity, even though the debt is still under dispute. 

Key Points : Account Details : Creditor : XXXX Balance : {$370.00} ( Past Due ) Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX ( which seems to be a recent reporting date for a debt that should not have this activity ) Re-Aging of Debt : The date reported of XX/XX/XXXXXXXX  is being used in such a way that it could extend the negative impact of the debt on my credit report. This reporting could give the impression that the debt is more recent than it truly is, especially if there was a significant period of inactivity on the account. 
Re-aging the debt through a new date reported resets the timeline, potentially causing the debt to remain on my credit report longer than it should, and continuing to impact my credit score. 
My Rights Under the Fair Credit Reporting Act ( FCRA ) : Accuracy and Integrity of Information ( Section XXXX ) : The FCRA requires that information reported to credit bureaus be accurate, up-to-date, and complete. The date reported is misleading and does not reflect the actual status of the account. This misrepresentation of dates is a violation of the FCRA 's requirement for accurate reporting. 
Dispute of Inaccurate Information ( Section 611 ) : I am currently disputing this debt, and I have contacted the creditor to resolve the issue. Reporting the account with a new date when there has been no recent activity or agreement on the debt is not only misleading, but it also interferes with my right to accurate credit reporting. 
Right to Deletion of Inaccurate Information ( Section 605 ) : Under the FCRA, if a debt is reported inaccurately or if the creditor can not verify the information, I have the right to request that the debt be deleted from my credit report. 
Request for Correction or Deletion : I am requesting that the date reported for this account be corrected to reflect the correct status of the debt. If XXXX can not validate the debt as accurately reported, I ask that it be removed from my credit report entirely. 

This account is actively being disputed, and I assert that any attempts to re-age the debt through an incorrect date reported are a violation of my rights under the FCRA. Please correct this error and ensure that any future reporting of this account is accurate and in compliance with the law. 

Conclusion : Please take immediate action to correct the date reported for this account or remove the account entirely if it can not be validated. I appreciate your prompt attention to this matter and expect a response with confirmation of the resolution. If you require further documentation or clarification, feel free to contact me. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I bought a ticket to XXXX through XXXX XXXX XXXX for XXXX XXXX XXXX it cost roughly XXXX. I used my Discover Credit Card this was in XX/XX/2020. During this time they instituted the XXXX ban and I was not able to go because of the restrictions. I wanted a refund since this was told to us all in advance. XXXX moths before my flight was even scheduled. I let XXXX XXXX XXXX know that I wanted my money back and they never gave me a credit. After waiting a year and run around I went to Discover Card to get my money back since XXXX XXXX XXXX was not allowing me. They gave me credit for my purchase and ensured me I wasnt going to be charged for a flight I never went on. Then a few months later after their investigation they charged me again for the ticket. This has since made my credit card go over my credit limit and I have had to put the account on a payment plan. How is it XXXX stuck paying this when I never went on this trip and it was canceled all together due to the COVID restriction not allowing any outsiders inside their XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XX/XX/XXXX XXXX. OF XX/XX/XXXX XXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX XXXX. who reported it the Equifax, XXXX & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never  received a response from XXXX or Equifax. After investigation, XXXX  removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX XXXX  who placed it back on all 3 bureaus again. I wrote a letter to XXXX  XXXX, who also ignored me. Again, XXXX removed the item with no response from XXXX  and Equifax. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX  removed the item with no response from Equifax. XXXX  took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX XXXX tried to make a payment to One Main Financial located in XXXX XXXXXXXX XXXX XXXX today XXXX at XXXXXXXX XXXX the lady who called me was very rude and condescending towards me and even went as far as locking my online account so I wouldnt be able to make the payment for my account! I want someone to look into this unfair treatment towards consumers! I dont mind paying the loan but the way that business treats people is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I rented a house from XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, TransUnion, and XXXX. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
Product: Mortgage

I have been payin for my VA home loan for almost 20 years .l am a  XXXX  vet, I fell behind because of car repairs and health issues.I have applied for the loan modification option and it 's been ridiculous. Since  XXXX     2016  they have been giving me the run around saying they are not reviving my letters send by email .Now they want me to send  XXXX . Getting my divorce validated here i n P.R and  put me on a probation payment plan for 3 months. I calculated and I paid more than {$140.00}. To then on an Orginal {$70.00}. Loan. I do n't want to loose my house. Thanking you in advance  XXXX
Product: Credit card or prepaid card

Around XXXX, I incurred a dental bill of {$2000.00}, and since I was unable to pay it at once, I put it on my CARE CREDIT CARD, which is SYNCHRONY BANK. The next day, I called CARE CREDIT to advise them of the charge, and informed them of the following : ( 1 ) That I wanted to pay said charge at the rate of {$200.00} a month ; ( 2 ) That I wanted the account to be set on " Automatic Payments '', so that I would never miss a payment ; ( 3 )  That I will make 2 monthly payments right now, or {$400.00}, and to put the balance of {$1600.00} on " Auto Pay ''. 
Then, on XX/XX/2020, I saw on my bank statement, that CARE CREDIT took out the ENTIRE {$2000.00} out of my account! On XXXX, I finally got a hold of someone there by the name of XXXX , and told her of their " mistake '' of taking out the entire sum of {$2000.00}, which was completely against our agreement. She apologized and assured me that I would receive a check in the mail for the balance owed to me of {$1600.00}. 
After 2 weeks passed, I still never got the check & when I called again, they said the check was sent out on XX/XX/2020, and that I was to receive it in 7-15 days. When still not receiving said check by XX/XX/2020, I called CARE CREDIT again. This time they told me that the check was not sent out until XX/XX/2020! And he informed me that it is up to 15 " business days ''. 
So, when I still had not received my refund, I again called CARE CREDIT on XX/XX/2020. They said " All we can say that the check was sent on XX/XX/2020 and you should have received it ''. When I assured her that I did not receive it, she essentially said that there was nothing she could do! 
To make matters worse, is that their records reflect that the {$1600.00} had been tendered & paid, and that I now have a {$1600.00} balance that will be paid at the monthly rate of {$200.00}!!! 
In my phone calls, I asked them to just credit back the charge to the Debit Card they were paid with. They refused to do that!

It is very clear that their actions amount to more than gross negligence, as it certainly is Fraud!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the customer 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 electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company has been hounding me about a debt that has already been paid for and I have attached below proof that the debt is not owed as it has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

On 3 different dates BTC ( bitcoins ) were removed from my account without my doing to 3 different wallet addresses listed below I did not send funds to this address XXXX Nor did I send it to this address XXXX Nor did I send it to this address XXXX The response from Coin base is the following Thank you for contacting Coinbase Support. Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. If you need a quick answer to your question, please visit our Help Center for more information and help. 
This was on XX/XX/2020 Case Number XXXX Case Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft someone has inwuired to hsn nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud
Product: Credit card or prepaid card

I did not receive the {$200.00} intro bonus after spending {$1000.00} in the first 90 days after receiving the credit card on XX/XX/19. My total charges were over {$1000.00} on XX/XX/19. US Bank says that the start date was XX/XX/19 but I did not receive the card until XX/XX/19. I could not make any charges until XX/XX/19. US Bank was deceptive with their bonus offer -- it was dishonest in stating that I had 90 days to spend {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The following accounts listed as inquiries on my report were not made by me. 

CREDITOR NAME : XXXX  INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX OF INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX/XXXX  INQUIRY XXXX : XX/XX/XXXX
Product: Checking or savings account

Citibank decided to close my account for no reason, and when I called on XXXX they told me they will mail me a check. I called on XXXX to see where they were in the process. The representative told me it wasnt closed yet. It has been about 30 days now, and I still haven't gotten a check.
Product: Credit card or prepaid card

re : bait and switch I purchased a  XXXX   XXXX  phone in  XXXX   XXXX . This purchase was based on the  XXXX  sales literature stating 0 % interest with 24 months to pay :   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  A credit card account was assigned to me with Synchrony Bank. On  XXXX / XXXX / XXXX , I requested the following from Synchrony via their online email : " I received documentation for this new account today via mail. The documentation does not indicate the terms from the  XXXX   XXXX  which I understand to be two years interest free on my opening balance of $ $ $ $ ; payments monthly of approximately $ $ $  . I s this correct? '' Synchrony replied saying it would  take two billin g cycles to get an answer. I am still waiting for that answer!!     Instead of the  two year, 0 % deferred interest, my Synchrony acco unt was setup with a one year deferred interest period, expiring on   XX/XX/XXXX . Base d on this now 1-year period, I setup monthly automatic payments, collected by Synchrony, from my checking account so as to have the balance paid off within the one year deferred interest period. Payments are being paid on time.     As of my  XXXX  Synchrony statement, the deferred interest period expiry was sti ll  XX/XX/XXXX . As   of my recent  XXXX  statement, the deferred interest period is not even mentioned and the deferred interest of almost {$64.00} has been debited to the account. It now looks as if the deferred interest period was for 6-months. Is it that Synchrony saw that I was paying the balance down within the 1-year deferred interest period expir ing on  XX/XX/XXXX  and  decided to change it to 6-months to earn the interest ... a classic bait and switch??     I am fed up trying to get answers from Synchrony and  XXXX  also offers no help.