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

I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX XXXX and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.
Product: Credit reporting or other personal consumer reports

I AM CURRENT ON ALL CHILD SUPPORT AND COLLECTION MUST BE REMOVED FROM MY ACCOUNT. Please remove the entire " XXXX '' efforts from my credit report, from XXXX XXXX XXXX ( XXXX ). 

please see attached, and remove the collection efforts. 

See letter dated XX/XX/XXXX 

XXXX amount should be {$0.00}. 

Not owed ; not due. 

Please remove from the credit report. 

XXXX : XXXX
Product: Debt collection

There is a collection account on my XXXX and XXXX reports that does not belong to me. It is held by Central Portfolio with original creditor " XXXX XXXX XXXX XXXX XXXX I received no written or digital notifications of the {$660.00} charge before it was reported to the credit agencies. I had no luck getting any information from Central Portfolio regarding this charge. It does not fit the timeline of any hospital visits that I have had in the past, and I also have health insurance that would have notified me if they were not going to cover the charge, if it were indeed legitimate. 

I disputed it with XXXX and XXXX, both of which " verified the debt '' which I do not believe to be a legitimate debt owed by me. 


According to XXXX and XXXX : Account opened XX/XX/2021 Balance : {$660.00} XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/XXXX. XXXX XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/2021 I would like to have these removed from my credit reports and/or obtain assistance in verifying the validity of this account. As stated, I was personally unable to obtain any information proving the account belongs to me, had no hospital visits in 2021, have health insurance coverage, and received no notification from any billing departments prior to the collection account notification. 

Additionally, this is not the first or even the second time there has been a fraudulent medical account reported to the credit bureaus, and if I remember correctly, the prior fraudulent accounts also originated from " XXXX XXXX XXXX XXXX  ''.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Mortgage

In XX/XX/2022 I was behind on mortgage due to support payments not received. I called HSBC loss mitigation to explain but they went into pre foreclosure on my home. When I was able to make 4 months payment in XXXX XXXX the bank told me to talk with lawyer they referred the case to .The lawyer then said there was no court date scheduled make payments to bank and provided the totals. I'd sent in money to HSBC for XXXX XXXXXXXX.and they returned it saying it was now {$1600.00} in the interim of waiting for check return I sent {$3800.00} by over night mail to make the total but they wanted the lump sum. I only learned about it prior to mailing. I asked for {$3800.00} to be returned or applied to mortgage. Now I call and email but no one says anything about the XXXX XXXXThey keep telling me check back it can take 30days and further delay to make credit to account. I received a statement not applying the payment and new escrow shortage with late fees. All this red tape delay made a mountain of mess that I was trying to save my home from. The company wasn't trying to work in good faith with me and a representative said they applied my money to lawyer fees. I had no written amount of fees and didn't agree that payment was for such. This has caused stress and put my family in jeopardy, This bank hasn't acknowledged or corrected the payment or emails. Its a deceptive practice to not work with consumer but send letters of having " team support '' .from XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was stopped second in line of cars at a red traffic signal. 
The vehicle behind was distracted driving and failed to stop. 
I am injured. 
Physically I have been XXXX  on as a direct result of my injuries. 
I have been out of work from these injuries. 
I have received bills as a result of these injuries. 
These bills are not reimbursed As a result of these injuries. 
These credit reporting agencies faulsify my credit report Carelessly without authorization or authority. 
XXXX. XXXX
Product: Checking or savings account

I was scammed by XXXXXXXX XXXX and someone took {$200.00} out of my account and chase refused to accomendate stating they have no protection to help with this even though I did not authorized. Even by them allowing this it looks supicious but the still allowed it. Also Normally if you send someone funds there name comes up to say you sent this person funds. Chase did not notify me that a supicious transaction is happening. I called them the day of cryind distraut all and they stated nothing can be done because I thought it was someone I knew.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrect information on my credit report. When you view my credit file there are things that are missing, the credit usages is reported wrong on my transunion credit file.
Product: Debt collection

Since XXXX American Express has been attempting to collect alleged debts from me that have already been paid. My account with American Express was approved and opened on XX/XX/2020. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with American Express. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then American Express has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With American Express being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully closed my account ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ). American Express has also fraudulently reported late payments, credit utilization, the closing of the account, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted American Express by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX balance.
Product: Credit reporting or other personal consumer reports

This is a complaint that this company is in violation of the FCRA. On XX/XX/year> I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts.
Product: Money transfer, virtual currency, or money service

I made a purchase with XXXX at XXXX using my Cashapp visa debit card. Later that morning I received an email from XXXX stating my order was cancelled. I contacted XXXX corporate support who said they have already sent the cancellation to Cashapp. I called Cashapp and spoke with supervisor XXXX who said my funds would be back in my account with 24/48 hours. Cashapp refuses to release my funds. First saying 24/48 hours, now 7-10 business days for a cancelled order. Not a refund.
Product: Credit card or prepaid card

Hello CFPB, I am a XXXX year old with a credit score of XXXX and recently applied for my first credit card at PNC Bank. I signed up for the XXXX XXXX PNC Credit Card and got back an interest rate on my card of 23.99 % on the scale of 13.99 % to 24.99 % which was shown on the marketing materials. I was given a mailing from PNC saying that my credit score was XXXX and verified saying that my credit was better than 45 % of consumers. I thought the interest rate they gave me was very poor considering my credit history, so I called them and talked to XXXX about this issue. He said that PNC Bank typically gives everyone a rate in the higher range of the interest bracket including himself. He said that he has a credit score of over XXXX and he still is given a rate over 24 % consistently with PNC 's credit cards. He suggested I talk to the credit department to find out more. I was transferred to XXXX who explained to me that the rates are high, but are decided based on the prime rate of 3.25 % at this time and then PNC multiplies this number by a margin multiple which allows them to make money on credit card debt. It turns out this multiple is actually very similar for all PNC customers regardless of their credit score. Additionally, once a credit card is created, it is impossible to ask for the rate to be changed within 6 months according to the employees. PNC should not be allowed to market their credit cards with a range down to 13.99 % if they always put people in the top quarter of interest rates. This is false advertising and is damaging to consumers by making them think they have a chance at getting a good interest rate, but always giving them a poor interest rate regardless. I left my formal complaint with both XXXX and XXXX who she transferred me to. I would like CFPB to fix this issue that credit card consumers have. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas XXXX XXXX XXXX Experian and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXXXXXX  claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold it.
Product: Debt collection

I received debt collection letters from XXXX XXXX XXXX on behalf of the Genesis FS credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to Genesis FS card.I reported the fraud to my. bank XXXX and the matter was resolved with the Genesis FS card Co ( I have a letter from my bank stating as so ). Now it seems thaht Genesis FS card Co, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report
Product: Checking or savings account

On XX/XX/XXXX, I arrived in the XXXX for a vacation trip and I needed to check my CitiBank account statement online to view how much income I had in my checking account. Prior to arriving, I was able to view my statements online on XX/XX/XXXX via Citibank APP. I received an error saying a new card was to be shipped to my address, however it worried me because I did not request a new card. On XX/XX/XXXX I called my mother in XXXX XXXX to check if the card had arrived at the house and she replied that it did not. As I was low on funds in another country, and I needed to withdraw money at a local ATM- I called Citibank customer service at XXXX. I have had my Citibank Priority account for over 15 years and this has never been an issue. The customer service representative upon checking the status of my account informed me that Citibank has arbritrarily decided to close my account and that no further details were provided. The customer representative then further informed me that it was the back off Security department 's decision to close the account as there was no longer a need for the relationship. She further commented that because the account is close, they will withold and keep my entire savings and checking account. At this point I panicked as I had over {$15000.00} saved in the account and the account was tied with my Direct Deposit for my employer. The day I had called was my salary day and I needed the money to pay for my wifes Hospital bills because she is XXXX. I asked to speak with a manager and the customer service refused, I threatened law suit and that is a recorded line and I am requesting to escalate to a manger. The representative then connected me to a supervisor who further explained that the bank decided to close the account and that nothing can be done at this point for me to withdraw my funds. I have a pregant wife who is XXXX XXXX XXXX  and this is the only source of my funds, I need assistance to get my money back which I have saved and earned to help pay and support for the medical bills. Please assist as I am in panic overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cardinal Financial Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX claims that : we, XXXX and XXXX XXXX attempted to obtain a loan from them on XX/XX/XXXX XXXX. We have never heard of this company and we own our property outright - so why would we ask for a loan?? They say that that they issued a loan : XXXX but then denied it for various reasons. I think they are phishing and trying to get us to give them missing information on the supposed application. We are targets because we are XXXX years old. Hopefully, they have not tried to get our credit scores from XXXX, XXXX  and XXXX, as they claim. They list a silly figure for each of those agencies, namely XXXX. This is a fraudulent company.
Product: Student loan

I am a federal employee working towards XXXX forgiveness for my federal student loans. I typically submit an employment certification form ( ECF ) each year in order to have my payment count updated. This was my first year certifying my employment with Mohela, after having had my loans transferred to Mohela from XXXX XXXX, and it has been an absolute disaster. 

I submitted my XXXX to Mohela in XX/XX/XXXX. My previous XXXX had been submitted ( to XXXX XXXX ) in XX/XX/XXXX, and so I was seeking to have my payment count updated to reflect the period from XX/XX/XXXX to XX/XX/XXXX. Due to the student loan pause, which provides XXXX credit for each month spent in qualifying employment, and the fact I was in qualifying employment for entirety of the period covered by my XX/XX/XXXX XXXX, I was entitled to XXXX credit for each month from XX/XX/XXXX to XX/XX/XXXX. But Mohela, after completing my payment count in XX/XX/XXXX, only credited me with 5 qualifying payments in that period. The remaining months say " employment not certified in my payment tracker on XXXX website. 

I called Mohela for the first time about this issue on XX/XX/XXXX and was told that my payments were still the process of being counted and that this process would be completed in XXXX weeks. I doubted this was the case, as I had already received a letter from Mohela on XX/XX/XXXX stating that they had reviewed my XXXX and calculated the number of qualifying payments I had made, thus implying that the counting process was complete. But I decided to give them a few weeks to see if they could fix the problem. 

When my payments were still being credited incorrectly on XX/XX/XXXX, I called Mohela for a second time. The representative I spoke with this time told me essentially the same thing that they were still in the process of crediting XXXX payments and that, eventually, my payment counts would be updated, but that he could not give me a date by which this would be completed. He stated that it was misleading to have sent me a letter implying that the process was complete. 

Im submitting this complaint because I am concerned that I am being given the runaround and that nothing is actually being done to ensure that my XXXX payments are properly credited. Im also concerned about Mohelas recordkeeping practices with respect to XXXX payments. They are my third student loan servicer and this is the first time I have had so many errors in my payment count. Even if it is the case that Mohela is still trying to calculate payments, it is absurd that it is has taken so long and that they can not give an estimated date by which the process will be complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to the XXXX branch to resolve a matter involving an inquiry reported on my credit report I do not recognize. This inquiry has the date listed of XX/XX/XXXX. They did not provide the third party, XXXX XXXX, whom they sent it to, proof that I authorized this. This meaning in accordance with the FCRA they must have my signature authorizing the credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all XXXX agencies must report same information Experian has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Experian has Ref # XXXX XXXX has month of discharge - None XXXX has month of discharge - XX/XX/XXXX Experian has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Experian shows address - XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Experian shows Type of Court - XXXX XXXX XXXX XXXX shows phone # XXXX XXXX shows phone # XXXX Experian shows none
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX Acount number XXXX Date Opened XX/XX/2020 Account Name XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2020 Account Name : XXXX  XXXX Bank Account number XXXX Date opened : XX/XX/2020 All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.
Product: Credit reporting or other personal consumer reports

My information was leaked during a data breach and I want all negative information removed immediately
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) sue to inadequate customer service and unfair practices, which violates 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 electronic transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.