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

EXPERIAN HAS AND CONTINES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. EXPERIAN IS DENYING MY REQUEST FOR METHOD OF VERIFICATION FROM RELATED ACCOUNTS BEING OPENED FROM IDENTITY FRAUD. EXPERIAN IS REQUESING FOR ME TO PROVIDE MY FULL NAME, DATE OF BIRTH, FULL SOCIAL, AND ADDRESS FOR THE LAST TWO YEARS FOR IDENTITY PURPOSES IN ORDER TO PROCEED WITH AN INVESTIGATION. HOW CAN EXPERIAN VERIFY THESE FRAUD ACCOUNTS BELONG TO ME IF THEY CAN'T SUCCESSFULLY VERIFY WHO I AM WHICH I HAVE ALREADY PROVIDED THIS INFORMATION SEVERAL TIMES AND WILL UPLOAD PROOF WITH THIS COMPLAINT TO SUPPORT MY CLAIM. THE ACCOUNTS ARE AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX I contacted EXPERIAN via XXXX mail with XXXX tracking Number XXXX ( received on XXXX ) REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED EXPERIAN SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A XXXXW0-DIGIT CODING VERIFICATION SYSTEM. EXPERIAN FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO EXPERIAN.
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 violate 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 ( EETA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We were in an area affected by Hurricane Irma in XXXX of XXXX and my wife was unable to work due to businesses that were affected by the storm for 3 months. We were offered a " Special Forbearance '' by the mortgage company handling the loan, XXXX XXXX XXXX XXXX XXXX, during the disaster. Once we accepted the " Special Forbearance '' no one told us all of the payment would be due at once nor did they tell us anything about the terms of the " Special Forbearance ''. and that the servicing of our loan was sold to Freedom Mortgage at the end of the Special Forbearance. We have contacted a HUD Approved Housing Agency and they have been helping us with the paperwork needed for Modification. Each time that Freedom Mortgage asks for paperwork we send it to them right away, and this process has been dragging on since XXXX of XXXX and they keep asking for the same paperwork over and over stating it is the underwriters. We feel we have been deceived, we feel that Freedom Mortgage is dragging this process on so that they can eventually file foreclosure and take our home, which was not behind until this happened, and we don't want to lose our home.
Product: Debt collection

Upon checking my consumer report. I see that your company is reporting a credit card account that i did not authorized. I did not give your company or any one else permission to run my information to open this account. Any account open with your company is fraudulent. I did not give your company authorization to open this account up.
Product: Credit card

I am two months behind in my American Express payments ( {$3000.00} ) because I am awaiting a settlement check from an insurance company. This has been a stressful and financially difficult situation for me. My next door neighbor who lives in the apartment building I live in just knocked on my door to tell me she received a call from American Express looking for me. In fact she has been receiving these robocalls for weeks and only today finally answered the phone. I have been an American Express Gold Cardmember since 2010. I am completely appalled that they would breach my privacy and call my neighbor. I have no idea how they even got her telephone number. This has to be an illegal practice for American Express to share my financial details with anyone other than me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I told the Equifax and XXXX to reinvestigate these accounts : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion received my dispute letter but never investigated. I sent a notarized letter through certified mail along with a copy of my drivers license and utility bill. I sent another certified letter along with supporting documents. Transunion received the second letter XX/XX/XXXX but, again, never responded to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent please remove them asap. Also Please update my name to XXXX XXXX as it state on my Passport which I've included. 

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

Since XXXX XXXX XXXX I have been trying to get in accurate information removed from my credit report. I even noticed inquiries on my report that I did not recognize and told every representative I spoke to and nothing. For over 3 months I did not hear a thing. Whenever I call the automation software could not verify my information and would constantly end the call. After a month I finally got through to a representative and she herself could not verify my information. She repeatedly told me information that should be correct about myself were inaccurate. Which then she escalated the call to a supervisor, who also had a hard time verifying me but finally succeeded. Upon succeeding I decided to login to my account and it states that I have limited use of the website due to verification issues. I then would call repeatedly and almost weekly to attempt to remove these discrepancies and update the information on my report. To no avail I get the same repeated script from every single representative. It has now reached 6 months of no progress. I know each call is recorded so the proof is also in our conversations.
Product: Debt collection

IQData inc attempted to contact me in XX/XX/2019 I immediately called once I received the letter and spoke to the client directly. The manager apologized and said that the collection notice would be removed right away and that it was a mistake on their end. 

I received no further contact from the collection agency or apartment complex until XXXX when I received my security deposit back via check. 

The next time I was contacted was at my PLACE OF BUSINESS. The man I spoke to was wildly rude stating that he has my social security number, he knows where I live and who my employer is. He proceeded to raise his voice at me after I told him that I would not pay the amount he is asking for because I have proof that I provided proper notice to move out and did not violate my lease agreement. 

I sent him the notice to vacate form to which he called me back ON MY OFFICE LINE AGAIN after I asked him to NOT contact me at my place of business and told me that this is invalid because it is not signed by the complex. I then forwarded the email correspondence with the leasing manager where she asks for my notice and I send it to her via email. 

This man raised his voice after I stated that I have proof and will not be paying the balance that he says I owe stating I know where you live, where you work and your social this will be going on your credit report, good luck! He then hung up on me. 

I have sent an email to the company stating in writing for them not to contact me at my place of business again and providing the proof I have that I am not in the wrong here.
Product: Debt collection

On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX. 

I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER. 

So, I asked for debt verification, the loan amount, where and when did you send the " money ''? 
was it a bank account? what bank account? who 's banl account? what terms? what payments? 

NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS! 
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert on my personal credit report, stating that a collection was placed on my report in the amount of {$430.00}. I immediately disputed the collection, stating that it wasn't mine and it was illegally placed on my report without prior notification, not allowing me to dispute the item. The first dispute letter was return as " not a deliverable address ''. The company removed the collection from my XXXX and XXXX credit report, but it was still on my XXXX report. I then wrote a follow-up letter on XX/XX/XXXX, disputing again, asking that the collection be removed. The second dispute letter that I wrote was returned again, stating " not a deliverable address ''. This collection is still reporting as of today on my XXXX credit report, which is affecting my personal credit score. There is no way to reach out to this company as the address listed is incorrect and there is no phone number listed. I would like this collection removed immediately from my personal credit report.
Product: Checking or savings account

on XXXX, XXXX XXXX  I have transferred my phone number from XXXX XXXX XXXX XXXX XXXX XXXX  and then I tried to access my Citi Bank account but I wasn`t able to, So I contacted them on XX/XX/2022 and I asked them to fix the issue and they told me that will take a about some time to reflect the new provider and I asked them to add a new phone number to the account and they did and I reset my ATM debt card number pin with them over the phone over the recording system. and I was able to access my online account, But this Morning which is XX/XX/2022 I couldn`t able to access my online account or use the debt card and I contacted them again for about 5 times and each time they telling me that my account is under review/ blocked at the fraud department and they are not be able to verify my account and each time they hang the phone on me and they aren't able to fix the issue and I still have a balance in this account, So please help me to get the money from my account and close that account because I don`t need to work with Citi bank anymore XXXX
Product: Vehicle loan or lease

JP MORGAN CHASE AUTO FINANCE DEPARTMENT APPROVED {$18000.00} ,72 MONTHS TERM .ON XX/XX/2017 I PUCHASED A XXXX XXXX XXXXXXXX XXXX AFTER PRINTING THE APPROVAL AND TAKING IT TO XXXX XXXX . 
CHASE SENT A NEW LETTER TO ME ABOUT THE LOAN STATING XXXX XXXX HAD THE AMOUNT WRONG AND THEY WILL NOT FINANCE {$18000.00}. 
XXXX XXXX FINANCE DEPARTMENT STATED CHASE PAYED THE {$18000.00} IN FULL. 
I NEED TO UNDERSTAND WHAT ARE MY TERMS AND THE CORRECT AGREEMENT FROM JP MORGAN CHASE? 
NO ONE CAN TELL MY THE CORRECT AMOUNT IM PAYING MONTLY? 
AND AFTER THE LOAN IS PAID OUT WILL I STILL OWN FOR MY TITLE?
Product: Debt collection

Received a phone message from Scott & Associates P.C with obscene and profane language. Made a picture of it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$26.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full. At the time there was a late fee that they agreed to waive. Not only did they not waive the late fee, they charged off the account and it is harming my score. This is a violation of the Fair Debt Collection Practice guidelines as well as a FCRA violation. I have tried to contact this company and can't reach anyone or get a return call. Take a look at their reviews and you will see that this is not an isolated situation. Please remove this line item from my credit report.
Product: Checking or savings account

Ive tried to transfer money from my Marcus Goldman by Sachs savings account to my XXXX savings account and it was reversed.I had no idea why so I tried again.After waiting a couple business days, I checked and my second transaction was also reversed.I called the Marcus Goldman customer service and the agent told me I should try splitting the money and that should work.I complied and attempted to transfer my money again and was unsuccessful.Ive used the bank app to speak with agents who all told me I have to call and calling gave me the same results.They tell me my account is on hold and they are unable to tell me why because they can not authenticate my number which is absolute madness as I used said number to open the account.All this happened in over 2 weeks and to say Im disgruntled is an understatement.They told me to call back in 3 business days twice and are still unable to give me any information.I told the agents I will take legal action so Im currently waiting on them to fix this issue as I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : Transunion 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the three credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to ADD the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at a loss as I have tried reporting an inaccurate credit score drop with TransUnion regarding a 65 point drop for a credit line increase. The {$500.00} increase was provided to all consumers of my financial institution for the Covid-19 pandemic, as a stimulus, without soliciting for it. Again, the increase was a courteousy increase and absolutely no credit inquiries were performed as part of this increase. I notified my financial institution on XX/XX/2020 to express my concerns about the increase adversely affecting my credit. I was assured, by my financial institution that it should not adversely affect my credit score since no credit inquiries were performed. However, on XX/XX/2020, I recieved an alert from my credit monitoring service that my TransUnion score dropped. My score dropped a whole 65 points solely due to the {$500.00} increase, no other CRA reduced my score due to this increase. I assumed this was an error and would fix itself since the balance of that credit card that was increased is and has been at a {$0.00} balance for the past 6 months or more. In addition, all credit line balances I have open were also reduced significantly and no new adverse entries were added. However, it is now XX/XX/2020 and my TransUnion score still reflects the 65 point reduction. To add insult to injury, TransUnion complaint line goes unanswered when you call and the online complaint option does not allow for a unfair credit score dispute. I have no idea how or why TransUnion reduced my score so significantly. I want answers and for my score to return to its rightful status. I have not worked this hard to maintain my credit profile for an eroneous computer glitch or intentional score resuction to tarnish my credit worthiness. I want TransUnion to investigate how and why this happened, correct their processes/procedures that allowed this to happen so that it does not happen again and adjust my credit score back to it rightful standing of 734 or higher.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XX/XX/year> ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX. 

Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern. 

I applied for my townhouse refinancing to Freedom Mortgage Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Initially, we talked, and I clearly stated, that my gross income was around {$45000.00} yearly. According to market estimate, my house worth {$170000.00} and refinancing amount would be {$130000.00}. I 've bought this house in XXXX 2009. 
The person, who I spoke to, said that it 's kinda tight, but after checking on my credit score, he said that they could do it, and took my application over the phone. He was some kind of supervisor there, and later transferred my application to one of the loan officers XXXX XXXX. 

I received electronic package, signed all documents, tho some was not exactly correct, but he said, that we could change it later. I 've also supplied 2 years of tax returns, bank statements, and all the other required documents. At the end of that day, I got a call from him, and he said, that my application was denied cause my income is not {$45000.00} but {$30000.00}. {$30000.00} was not my gross income but adjusted gross income, meaning after personal deduction, and IRA contribution. I pointed to that fact to him, but got borderline rude response. After that I emailed him, and asked for that explanation in writing, but got no response. 

About 2 weeks later, i 've got a letter from Freedom mortgage Corp where no reason for denial was stated, it also did n't say anything about where they obtained my credit information. 
What was in that very strange letter ; - Withdrawn. WE HAVE ACKNOWLEDGED YOUR WITHDRAWAL REQUEST!!! 
I did not request anything! 

I 've called them following that letter, and got the promise to call me back, and resolve the issue. One week later ... I got nothing! 

I also going to file a complain with the XXXX, cause i do not believe such a practice deserve an XXXX rating.
Product: Student loan

I applied for the SAVE program in XXXXXXXX XXXX XXXX. My lender, MoHELA stated they didn't recieve my application until XX/XX/year> and did not put my account into forbearance due to the court injections on the SAVE plans until mid XX/XX/year>, for 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Balance {$22000.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX Balance {$20000.00}