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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Repeated contacts by text supposedly from XXXX XXXX XXXX, with instructions to call. Check with the website shows that the phone number provided, XXXX, is not that of the real XXXX XXXX XXXX. Website given is https : XXXX. I have been dealing with a lot of identity theft from former acquaintance and immigrants ; I suspect these texts are an attempt to extract personal information over the phone, or solicit fraudulent payments.
Product: Credit reporting

I sent a recent dispute letter XX/XX/XXXX to the credit bureau about an item on credit report for the original creditor University XXXX XXXX Account. The dispute was initiated XX/XX/XXXX and the investigation was completed XX/XX/XXXX in the report number XXXX. I have previously sent in disputes as well disputing that I do not have an unsecured loan with University XXXX XXXX this account back in XX/XX/XXXX. I spoke to a supervisor today XX/XX/XXXX with Equifax dispute department by the name of XXXX XXXX ID : XXXX, I informed him that I sent a dispute in to dispute that I do not have a unsecured loan with University XXXX XXXX, but the dispute was sent in to dispute the balance. I did n't request that. XXXX told me that he see I requested for the dispute of the status of the account and where they disputed the wrong code to the company. He also stated that he see where I disputed the same issue back in XX/XX/XXXX and University XXXX XXXX verified that this account is an unsecured loan. I told the supervisor that is why I sent in another dispute because I have documentation from the creditor that is not an unsecured loan. I asked the supervisor, if I have documentation that this account is not a loan and the creditor keeps verifying it is, this is legal for them to report inaccurate information. The supervisor then told me that the company can report whatever they want ; we receive the information from the creditor. I do n't have an unsecured loan with University XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. University XXXX XXXX did not verify that I have an unsecured loan with them. I called University XXXX XXXX XX/XX/XXXX at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing Unsecured Loan is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Debt collection

I've been receiving calls before XXXX from this company, Credit Managment Company . They have a XXXX XXXX number, and I believe the account is from XXXX XXXX anyways. I live in XXXX, so I understand if they don't know I do ( I have for three years now ). But when going over my address, they have one of my recent, but not current, XXXX address. So they know I'm in XXXX but have been calling me right after 6am repeatedly. When I spoke to someone, I was told that the bill is from 2019. The name of the company doesn't ring a bell, so I asked for an itemized bill mailed to my current address in XXXX and I provided that. I was then told they have to have my email to send me the bill and they won't mail it. I have already given them my current address and they have my phone number- I want an itemized bill mail to me, not emailed. And they refused and said they couldn't do that. So between getting repeated calls right after XXXX, and being told I can't have an itemized bill sent to me, I'm a bit upset and don't appreciate these tactics from Credit Management Company XXXX
Product: Mortgage

Hello and good day, I have several issues with my mortgage company # 1 I have written a letter to them to cancel PMI, have never missed a payment or been late in going on 4 years, they said I have to pay them XXXX  dollars to remove it and my loan is below 70 % of the original value of the loan under the homeowners protection act it should have been terminate automatically and have called them also, no action has been taken to remove it, I just got hurricane windows and doors put in the house and have been remolding the house inside and outside ( painting, wood work, etc. ) fixing it up due to the condition when i purchased it. # 2 I have to carry flood insurance due to a 100 year flood zone where the house is, they hold escrow and never pay the insurance on time, this past year I called them 2 times in XXXX when it was due 2 times in XXXX and again 2 times in XXXX with no response from them or from the agent who writes my policy so I took it upon myself and found a new agent and company to get me a new policy ( flood ) and they the mortgage company fined me {$300.00} dollars for them not paying my flood insurance on time, they hold the escrow money and did not do their job, now is this fair? They will not return the money, or remove the escrow from the account even though I have paid the bill in full out of my own pocket and wish to each year due to the fact they never pay the bill on time and never contact me telling me they are unable to pay it or contact the insurance company who provides the policy. I have been going through this every year since i purchased this property and have to call every year making it a big hassle for me since I work 6 days a week and should not have to check up on them to do their job. But every year they never pay the bill and get me a new policy costing 4 times what i pay and then I have to struggle to get it taken off!!! All i want to do is pay for it myself and they refuse to take it off my mortgage and allow me to pay it myself even thou I did it this year due to a breach of contract on their part!! Please help
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXXXXXX 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 Bankruptcy Reference # XXXX
Product: Credit reporting or other personal consumer reports

I have initiated and investigation with XXXX XXXX XXXX and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a call, on XX/XX/, from what I thought was a Bank of America representative, " Bank of America '' showed up on the caller ID. I was told there had been withdrawals from my accounts by someone in XXXX. That i needed to transfer funds to avoid these withdrawals from this unknown person in XXXX. The so called representative, XXXX XXXX, seemed to have all my personal data on record. He instructed me to make transfers that I did not realize, were going to XXXXXXXX XXXX I have filed a fraud claim with Bank of America and the first fraud claim for {$8500.00} has been denied. The other for {$6000.00} is pending. Please advise/
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've been trying to access my consumer report, credit score and apply a credit freeze to my XXXX and Equifax reports for the last 4-6 months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I applied for a credit card and was denied for the first time ever based on my TransUnion credit score. I purchased my credit report from TransUnion and my report had my correct social security number but it is mixed with someone elses account. It came up with someone elses name, address, date of birth, and credit history. My XXXX  and XXXX  Credit reports are accurate. This is a problem with TransUnion only. I called TransUnion and they looked up my credit report by name and said nothing is wrong but I have evidence that the entire report is wrong.
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 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 readdress for these violations.
Product: Credit card or prepaid card

In XX/XX/XXXX Sycrony Bank gave an offer of double points towards my XXXX XXXX XXXX XXXX with the use of my credit card XX/XX/XXXX - XX/XX/XXXX. 

I " clicked '' on the button and registered to receive the offer. 

I did not receive the bonus points and contacted them in XX/XX/XXXX. They said it can take up to 90 days to process. I contacted them XX/XX/XXXX and they said they would check on it. I never heard back. I filed a complaint on their XXXX Account and they had a corporate customer service contact me, but I still have not received my points. 

I have tried to call the girl I was speaking with and it went to voice mail. They refuse to provide a means to contact them other than phone calls. I do not even have a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to request my credit report be frozen twice.
Product: Credit reporting or other personal consumer reports

XXXX failed to take action with sending all below inquiries to them as fraudulent I also sent proof of previous FTC report, social security card, drivers license, And W-2. XXXX is also keep inquiries on report that are past 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 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Requested an auto detailing business to clean my vehicle. The company did not clean the trunk or engine as agreed upon. When I discovered this oversight I called the company and requested to bring the car back so the services could be rendered as agreed to. The company refused to redo the service and said that they would give a refund instead. They did not provide the refund and I opened a dispute with the credit card company. They said that I should submit a letter describing the circumstances and signatures from two witnesses which I did. They did not give the credit for the charge and said that I should submit photos to support the claim which I did. They still did not credit the charge and said that I should provide a written statement from another auto Detailers on their letterhead describing the failed services. There are no Detailers that use letterhead they are not corporate size businesses and have only a few employees with no need for purchasing overhead cost of buying letterhead stationary. My credit card company is failing to provide protection from a fraudulent business and keeps giving me the run around and changing the documentation needed to prove my dispute from the services not received which keeps delaying this dispute which I opened in XX/XX/2020 a week after the services I was charged for by the auto detailer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account with a balance and closed, the account was closed by the bank for a negative balance but it was paid. 
Credit Bureau are all showing that the balance is still negative {$140.00}, i have disputed through the Credit Bureaus and the credit union replies that the information was submitted correct at the time and they can not correct the information now.
Product: Credit reporting or other personal consumer reports

Today date XX/XX/24 Sunbit ran my credit with out consent
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " Amerassist AR Solution ''. 

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and Amerassist AR Solution within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I have a charge off that is no t true.I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER
Product: Credit card

Why am I still getting a bill? I paid off my account and if I would have been informed that my rewards would be lost if cancelled ( which I should have been ) I would have requested them paid to my account before cancelling and you would have been owing me money. 

It is not much fun to get a load of groceries and then be told that your card is being declined. You had my phone number and I should have been called about the fraud charges and let known that I would not be able to use my card. I was on vacation and it was at a very bad time to have this happen. 

I feel that because of the rewards that were not applied and I was not contacted about my card being declined -- - I do not owe you - you would owe me and I would be charging you late fees and past due amount. You owe me {$40.00} for rewards and I owe you only {$7.00}. You charged me a {$29.00} late fee before I even got a chance to pay on the statement.
Product: Mortgage

My loan is serviced by AmeriHome Mortgage Company LLC. They are responsible for paying taxes, insurance, etc. from escrow. My escrow account is fully funded however taxes for XXXX are not paid and are currently past due. AmeriHomes says they sent the payment on XX/XX/XXXX ( most companies send these is XXXX XXXX in the amount of {$4800.00}. As of XX/XX/XXXX the XXXX XXXX XXXX XXXX does not have a record of the payment. I have asked AmeriHome to please trace the payment, however they have been reluctant to do so. I have never experienced anything like this from a loan servicer in my 20 years of paying a mortgage. Please help before it's too late.
Product: Checking or savings account

around XXXX Suntrust bank closed my account. they refused to tell me why. they have given me the runaround for months. there was XXXX dollars in the account at closure. further more my stimuls check has been sent to the same account. suntrust took the stimulus money without sending notice back that the account had been closed. in total suntrust owe me XXXX dollars.