23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

As of XX/XX/2020 I could not access my Chime Bank acct. I called their official customer service line. They stated there was a problem with my acct and the ONLY way to fix this was by remote access. I only trusted this because they are bank employees. I was uncomfortable with this whole process but needed access to my acct to pay living expenses. They said XXXX XXXX is part of Chime bank that they would transfer some of the BANK 'S MONEY to cash app and see if my acct would accept transfers and withdrawals. To my horror I watched as they took everything I had {$1200.00} by the time I realized it was MY MONEY they had used it was too late. Have been fighting with both institutions for 4 days to return my money. The last call I got, they said my money would be returned to my acct in 24-48 hrs still no results. The largest amount taken at one time was {$790.00} it was sent from XXXX XXXX to XXXX. That transaction now neither shows on Chime bank records or XXXX XXXX records. I need my money back ASAP it was all I had. I'm a XXXX XXXX who is XXXX yrs old and I work part time to make ends meet. For me this is a financial disaster.
Product: Money transfer, virtual currency, or money service

I agreed to purchase tickets for a XXXX XXXX  XXXX hockey game from someone on XXXX. The scammer 's email on XXXX was XXXX. His " real '' email that he gave me was XXXX. The name used was XXXX XXXX. The cell phone number he used was XXXX. 
The price was agreed. I asked the person if they could send the tickets through XXXX XXXX on XXXX and they said they could. I asked if they had XXXX. They responded I could set one up and then I offered the use of XXXX and they agreed so I sent him {$370.00} and i received nothing in return. 
I called. My number was blocked on their end. They answered no messages from me. 
I called CapitalOne which is my bank and who processed the transaction on behalf of XXXX. They said they would investigate but I have to contact XXXX too. I called XXXX and a recorded message says if you use the app through a bank, call the bank. No offer of help or anything else.
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
Product: Credit card or prepaid card

I have one credit card from AVANT ending in XXXX with an XXXX XXXX APR THE Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( Equifax, XXXX, XXXX ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. Equifax has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , XXXX , EQUIFAX 3.  RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED
Product: Credit reporting or other personal consumer reports

Companies that did unauthorized credit check DATE COMPANY ADDRESS REQUEST ORIGINATOR 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 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 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 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 reporting or other personal consumer reports

Newrez/Shellpoint loan servicing company has reported my monthly mortgage payments as late to the credit reporting agencies. According to its records my last was payment posted on XX/XX/2024 when I have proof that my payments are up to date ( my last payment was sent on XX/XX/2024 ). I have contacted the company by letter and sent a fax on XX/XX/2024 asking for an explanation but have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian XXXX  XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.
Product: Money transfer, virtual currency, or money service

I am filing 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite sending written requests to the Experian and XXXX Credit Reporting Agencies, my pleas for proper verification and deletion of erroneous information on my credit reports have been ignored. I previously sent a dispute letter to the Experian and XXXX Credit Reporting Agencies, but no response was ever received from them. I have obtained and reviewed a copy of my updated credit reports, and it is evident that the Credit Bureaus have disregarded my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which clearly states that the continued reporting of unverified information, without any provided proof within the time allowed by law, is not authorized. 
The following erroneous information is still present on my credit report and has significantly impacted my credit score. I am seeking your assistance in promptly having these items deleted from my Credit File : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}. 
These items have severely damaged my Credit File, and I urgently request that the Experian and XXXX Credit Reporting Agencies remove these accounts completely from my Credit File without any hesitation or excuses. Your prompt assistance in resolving this matter is greatly appreciated.
Product: Vehicle loan or lease

OVER 20 YEARS AGO, my husband left and took the car. I bought one in California from what was Drive Time back then. I asked that it was in good working condition and of course it was not. I gave it back. My credit suffered for years. Now, theyre trying to sue me for some tolling clause that was buried in the contract. I am a XXXX yo grandmother, living on SS of $ XXXX. This is ridiculous and wrong. They should not be able to ruin my long worked credit build for a XXXX car loan on XXXX a car I gave back because it was a lemon. I can barely live on what I make. I will not go down quietly
Product: Credit reporting or other personal consumer reports

Sent removal letters for old inquiries and no removals processed
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX  & XXXX only ) 60 days late as of XX/XX/2018 ( XXXX   & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX only ) 90 days late as of XX/XX/2018 ( XXXX only ) 60 days late as of XX/XX/2018 ( XXXX only ) and 90 days late as of XX/XX/2018 ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Debt collection

Portfolio Recovery Associates have not sent me full disclosures and have reported on my consumer report without properly validating any of the alleged debt. They have failed to properly investigate the accounts. Additionally, I have never given Portfolio Recovery Associates permission to contact me, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They are refusing to remove the accounts from my consumer report. Can you please investigate Portfolio Recovery methods and unwillingness to abide by the Laws. 


Accounts. PORTFOLIO -- -- XXXX PORTFOLIO RC XXXX PORTFOLIO RC XXXX PORTFOLIO RCXXXX PORTFOLIO RC XXXX
Product: Mortgage

I tried to pay down a Wells Fargo Home Equity Line of Credit using Bill Pay from my XXXX account. XXXX showed that the check was expected to be delivered on XX/XX/2020. I called Wells Fargo on XX/XX/2020 and they had not received the check, so I asked XXXX to put a stop payment on the check, thinking it was lost. On XX/XX/2020 Wells Fargo credited my account as if they cashed the check. I immediately called XXXX and had them reverse the stop payment. On XX/XX/2020 the funds were still showing available in my XXXX account, so I called Wells Fargo. The Wells Fargo representative told me that the funds were on a ten day hold that would end on XX/XX/2020. I escalated and spoke with a supervisor ( XXXX XXXX ) and was told Wells Fargo had experienced a stop payment on XX/XX/2020 and would not try to submit the check again for payment. To expedite the payment, I had XXXX wire the funds to Wells Fargo on XX/XX/2020. On XX/XX/2020 Wells Fargo reversed the credit and turned my account over to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company TransUnion Submitted on XX/XX/2019 File number XXXX This is like the 5th time i told them this is not me. I have never lived in Indiana and never will. This is my son 's account. Our names are spelled different. I live in Arkansas and have for 20 years. 
The account is with XXXX XXXX XXXX and the balance is {$830.00} as of XX/XX/2019. 
I guess nobody can figure this out at TransUnion because I have complained for over 5 years or maybe they are unable to read english. 
Thank You for your help
Product: Debt collection

After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. 

However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. 

It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. 

The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. 

Thanks
Product: Debt collection

Endangering my job by calling my employer to collect a debt. XXXX
Product: Debt collection

I filed a complaint with you guys - consumer finance and you received a response back from the collection agency which did not validate the debt nor provide any official and acceptable debt validation nor proof that it sent me debt validation at anytime. You, XXXX finance, closed the case so Im writing again in hopes that someone will hold the collection agency accountable and actually read what is going on before simply accepting their response and closing. 

I noticed on my credit a collection from state recovery systems account from XX/XX/XXXX. At no time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, was I notified that this debt existed. I wrote a letter ( not certified ) and stuck in the mail box to be delivered to State recovery system. In the letter that they claim they didnt receive, I asked for them to validate the debt by providing a copy of the original contractor from the creditor, a copy of the last billing statement from the original creditor, and dates of any billing information from the original creditor. I did not receive the requested information back then, and I have not received the information now. 

We are now in XX/XX/XXXX, and I have complained to the XXXX  and you guys and as a result, States Recovery System sent me a piece of paper dated XX/XX/XXXX indicating charges of {$510.00}. This is not furnishing proof of the debt as I requested - in the form of the original billing and contract from the actual creditor. 

I asked for the original billing and contract from the original creditor - not a made up piece of paper invoice from the collection agency. 

Please have them send me all original documentation from the original creditor including, the contract, the billing statement, and all documentation regarding communication between them and me in XX/XX/XXXXto validate the debt. 

If they are unable to provide proof of notifying me in XX/XX/XXXXand proof of the original creditors documentation of contract and billing, under the fair collection law Act, please remove this collection from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 120 days past due on XXXX   XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Incorrect Name : - XXXX G XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX  and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following incorrect addresses and employer and unauthorized inquiries on my credit report incorrect addresess 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect employer XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to https : //www.equifaxsecurity2017.comXXXX I may have been impacted by the Equifax data breach made public XXXX 2017. I have been forced to implement a credit freeze and will need to continue to monitor my credit in the future due to their mishandling of sensitive information.
Product: Bank account or service

I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue.
Product: Debt collection

In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with XXXX. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call XXXX to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from XXXX. two years later XXXX took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
XXXX have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
XXXX has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days 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 litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.