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

I contact the four major credit bureas and lexis nexis regarding a mortgage account that is on my credit. The credit agencies XXXX, XXXX, XXXX, XXXX responded that the information was accurate and updated the mortgage balance to 100 % more than the last amount I disputed. Now these reporting companies claim I won a {$790000.00} Home when I disputed it the home loan was only {$79000.00}. How did this increase over {$700000.00} which is clearly a mistake and is not my own loan. Lexis Nexis has feed records which these company claim that is what was used to verify however the deed records I disputed has an incorrect name!!!! Its not my name!!!!
Product: Credit card

I signed up for credit company called Tomo boost and credit score it asked for XXXX dollar trial to pulled credit I cancelled with both of them I got charged in XXXX XXXX XXXX I cotinually requested to cancel my service Then XX/XX/year> I continue to get emails to me if I'm sure I want to cancel I responded XXXX YES CANCEL MY SERVICE THEN OUT MY CHECKING ACCOUNT THEY TAKE XXXX OUT MY ACCOUNT I CLOSED DEBIT CARD SO THEY COULD NOT GET ANYMORE MONEY FILED FRAUD wit my bank and better business bureauTHEY REFUSE TO REFUND ME MY MONEY I DONT HAVE THE CARD HAVE NEVER USE THEIR CARD AND THEY ARE CLOSED ON MY CREDIT REPORT SO WHat service are they provide and XXXX XXXX XXXX them and stated they can keep debiting because I had authorization and tomoboost stated that I had XXXX days to cancel I GAVE THEM PLENTY OF TIME I EMAILED XX/XX/XXXX when they stole XXXXpayment out my bank account PLENTY OF TIME AND YET THEY TOOK MY MONEY IN XXXX for a yearly service fTHEY WOULD HAVE KEPT TAKING MONEY IF THEY HAD NEW DEBIT CARD NUMBER according to XXXX XXXX
Product: Debt collection

Complaint # XXXX was closed. The company RTR Financial keeps calling my home phone #.
Product: Student loan

Today I logged and I noticed on each of my loans interest went up nearly XXXX XXXX Already I was paying XXXX % in interest which is criminal but since filing a complaint here I noticed a XXXX %!!! I can't help but wonder if this was an act of retaliation against me for filing a complaint the month prior. And to comment on my previous complaint I was never offered an interest only option I was not offered any option! What I was offered was my exact monthly payment. The notion that I was offered any sort of assistance is a lie. I question this establishments morale and I think they should not be in business especially funding front line workers such as myself. I am a public service worker to pay these amounts to care for people in the community is wrong. I need a more affordable monthly payment and interest I can not sustain {$600.00} a month especially having a baby at home. Please help this is a fraudulent criminal establishment.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED O N MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

There are addresses listed on my credit report from a state I have never been to nor been associated with. This inaccuracy leads me to believe that my credit report is tainted with inaccurate information. This misinformation is concerning.
Product: Credit card

My credit card was stolen i believe on XX/XX/XXXX. I use XXXX XXXX for 99 % of my purchases which is why i did not realize the card was stolen or that fraud was occuring, resulting in 45 stolen transactions in about 2 days. I did reecive an alert from the bank after all of these transactions had already occured alerting me of potential fraud. I immediately confirmed the fraud and cancelled my card. Records show the initiation date of claim was XX/XX/year>. However, the bank refuses to refund me anything even though they are the ones who detected the fraud, albeit late. 

The first transactions that occured were at a XXXX XXXX XXXX because the perp bought XXXX XXXXXXXX XXXX XXXX cards BACK TO BACK, which is something a normal commuter would not do. there is no history showing i would do this as i have a transit card from my employer T.his should have been an immediate red flag and the bank failed. 
From there, the perp went on to the XXXX area of XXXX, an area i have never even been to in my life for obvious reasons, comitting a total of 45 crimes. My bank history shows i do not make purchases like, the volume alone dosent make sense, and most importantly, i would not be doing this is an area like XXXX. I live in NJ and work in the XXXX XXXX 
History proves i have never spent {$650.00} in 2 days at Liquor stores, bodegas, XXXX, etc. 
The perp made mostly smaller purchses, the highest being {$75.00} at a merchant i can't even locate, and even used my card on XXXX. Please help me as i have made a total XXXX claims, all ending in " Unable to Pay '' after investigation. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto-pay account to pay for my Nissan car lease, one day I wanted to update my bank account so i did, after 2 months i realized a late payment on my credit report from Nissan, I called them up to see what was the issue they said they never received the payment on AUTO - PAY i explained to them that i updated my bank checking account and it might something went wrong or it happened that their softer or me missed step to verify the update went through, they walked me through the process to update my checking account while with them on the phone and they helped me set it up correctly, after that i asked if there is a way to correct the error and delete the late payment they refused to remove to late payment on my account, I sent many letter to Nissan and the credit Beaure agency explaining what happened and my attention was never to be late or not to make the payment, i actually paid off and bought the car few months later thinking they might help deleting the late payment but i was disappointed with their reply and with no action what so ever on my end to delete the late payment.
Product: Credit card

The Chase Freedom card offered a great deal for a 0 % APR balance transfer. We had about $ 2k in leftover wedding expenses that I decided to transfer over so I could take my time paying it off. Meanwhile, I used the card on our XXXX honeymoon, mistakenly thinking that it it did not have XXXX transaction fees. When I returned and paid off the " honeymoon balance '' in full, they only applied half of my payment to the balance and the other half to the 0 % APR balance.
Product: Debt collection

I have previously reported the company by the name of home @ XXXX because there is no way of communication and I have this account on my credit report for several years now the amount that is owed is XXXX and it has had a negative impact on my credit score please look further into investing this manner
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX XXXX XXXX XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX, XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

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 ) to be errors. Here as follows are items in error : Addresses 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts 1. ) XXXX XXXX XXXX Revolving Individual 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Individual 3. ) XXXX  XXXX  XXXX  XXXX  XXXX Collection Individual 4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Revolving Individual By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
7.If yes to above : a.Who did you speak to? 
b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 



Thank you, XXXX : XXXX-XXXX/ [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX is stating on 2019 I hired XXXX XXXX  and XXXX XXXX The lawyers name was XXXX XXXX XXXX my actions was to get my finance together with payment 's paid to the creditors every month but the payment arrangements was not livable and none the paper work was filed to the creditors paid the company XXXX $ fired them for non-compliance asked for a refund never got it. WE never went thru the whole process of the bankruptcy I never went to court to finalize .I got a dismissal letter in the mail.
Product: Debt collection

Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her surgery or care through the XXXX XXXX XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University of XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a collection of XXXX with all three credit bureaus incorrectly. They claim it is from an apartment I used to live at, but after multiple conversations with the apartment company and multiple requests for validation for this collection company, proper validation has not been provided. I've reached out to the apartment complex this supposedly came from and they told me that they have no records of me owing anything prior to moving out. I paid my all rent owed prior to moving out and yet this collection remains on my report There is no account number reported. This is a direct violation of the Fair Credit Reporting Act and is unfair to have this continuous be reported against me on my credit. I have been unable to attain housing for myself all because of this. I am requesting this account be deleted and that this company request for removal to the bureaus.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate 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 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, credit repair services, or other personal consumer reports

Due to the recent news of the Equifax hack, I have checked with Equifax to see if my information has been compromised and stated that it might be. I assume that this automated response from Equifax means that my SSN and all my personal information has been compromised. I have not been notified in any way from Equifax regarding this matter from any type of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

I had an address on my card that was in Idaho I have no clue who lives in Idaho but it was set up as the primary address and had a card taken out in my name I knew nothing about and I have noticed several charges to my credit card account. My bank account has also had money with drawn from in from unknown sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX XXXX XXXX from Popular Credit Services ( a division of Banco Popular de Puerto Rico ) on XX/XX/XXXX. They told me that they approved the card but will not allow me to use the card and they will close the card if I couldn't give them some electrical or water bill with my name on it. I agreed that they will not charge me annual fee and can close my account. 

After that, I thought that things are resolved and the results are that my card was closed. However, I recently received alert from my credit monitoring indicating that : It looks like you settled an account with a lender. When you settle an account, you negotiate a lump-sum payment with your lender to pay back part of what you owe so that the rest is forgiven. 

INFORMATION FOUND Lender : BANCO POPULAR DE PUERT Settlement amount : {$0.00} Date status reported : XX/XX/XXXX That is a faulty information as I didn't even talk with the bank ( Banco Popular de Puerto Rico ) again and they mark this bad mark in my account.
Product: Mortgage

in 2012 I received notice from chase mortgage that my insurance underwriter moved out of XXXX My mortgage, in effect, doubled. It was approximately 4 to 5 months that had passed when I realized this had occurred and my payments were being held in suspense and I was being penalized. I paid a higher rate for several months, being assured that everything would be okay at the end of that period. It is not. I am in an escrow spiral I can not get out of and they are demanding over XXXX dollars a month starting XXXX. 

I am a mother of XXXX kids. It is XXXX. They will not be receiving payment. I have tried several times to pay them and they will not accept anything less than this amount.
Product: Mortgage

NOTICE OF ERROR ;  XXXX   XXXX  HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void.  XXXX  v  XXXX   XXXX   XXXX   XXXX ,  XXXX .  XXXX  (  XXXX .  XXXX ,  2016  )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( CB/VICSCRT ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Debt collection

This collection was reported in my XXXX XXXX account and I do not know anything about what it was for. The company never sent me anything about this debt of {$1000.00} and I would like it to be removed from my credit profile.
Product: Student loan

In XXXX of this year ( XXXX XXXX  I submitted an application to Navient for Private Student Loan Discharge due to School Misconduct. 

This was shortly after I was notified by the US Department of Education that my federal loans were being discharged because the Dept of Ed found the school I attended engaged in misconduct. 

The private loans held by Navient were for the same school and Navient ( previously Sallie Mae ) had a very close relationship with that school and its subsidiaries. The loans are subject to the " Holder '' rule and should be discharged for the same reason as the federal loans. 

Navient denied my application, gave no reason for it and continued to refuse to give any information as to why it was denied. Others in my exact same situation were approved, it makes zero sense for mine to be denied unless they are just randomly approving and denying applications. 

Navient did tell me I could submit more supporting information/resubmit the application, but when I did so on XX/XX/year> they responded a few days later thinking it was a duplicate application and said they would be ignoring it. 

This is unacceptable. It is a new application with much more information and the supporting documentation is included without links to click on ( I found out they can not click on links when reviewing applications ). And there is even more supporting documentation than there was before.
Product: Credit card or prepaid card

I opened a Capital One Savor Rewards credit card on XX/XX/XXXX. The terms state that for annual fee : " {$0.00} intro for the first year, {$95.00} after that ''. On XX/XX/XXXX, I was charged the {$95.00} annual fee. In XX/XX/XXXX, I called to change the account to Capital One Venture credit card, which has XXXX annual fee. At the time of the product change, I was told they needed to check whether I would be eligible for the annual fee refund, and would email me. I never receive any such email. On XX/XX/XXXX, I called again, only to be told I would not get any annual fee refund. 
I find the situation highly irregular, given that I essentially paid for an annual fee for a card that I no longer own.