23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Bank of America Rewards Visa Card ( ending XXXX ) was assessed interest of {$28.00} on XX/XX/XXXX on a previous months unpaid balance of {$2.00}. The previous months ( XXXX ) total balance was {$97.00} but only {$95.00} was paid in error. The card charges 16.99 % interest on unpaid balances but I was assessed a charge of {$28.00}. I should have been charged XXXX cents on the unpaid balance of {$2.00}. 

I called a representative of the bank and was assured the charge would be removed and was given this complaint number ( XXXX ). The charge remained on my account when I viewed it on line so I called to inquire of its status. The representative stated the complaint was reviewed and the charge was valid. 

The bank has not provided any explanation for charging me {$28.00} on a carryover balance of {$2.00}. 

I have good excellent credit and always pay my credit cards in full each month. If the bank claims there were other unpaid charges which justify this bogus charge they will be lying. I will gladly provide documentation showing when balances were paid upon request. 

I hope you can assist me in resolving this issue. I am a veteran on a XXXX and feel like I am being targeted. Thanks
Product: Credit card or prepaid card

I filed for unemployment on XX/XX/2020 and applied for debit card from Go program at the same time. I approved for unemployment and receive XXXX + {$500.00} a week. I have NEVER received a debit card from anyone, and on my Login it says 3 of my payments are on a debit card. I opened a bank account after 3 weeks of NOT gettting my debit card from yall. But I still need the debit card to get my {$1800.00}. Please send me a debit card. but I want all my unemployment to stil go to my direct deposit I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX EXPERIAN - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information Equifax dates are follow : Per the USPS 1 ) XX/XX/2020 2 ) XX/XX/2020 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.
Product: Credit reporting or other personal consumer reports

I am following up again with you about the bankruptcy that your company is reporting on my credit report. I've attempted several times to have this account removed but somehow your Credit Agency has verified this bankruptcy as being accurate. 

XXXX XXXX - XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX**** Balance : {$5.00} XXXX XXXX Balance : {$650.00}
Product: Mortgage

When I bought my house in XXXX my lender was XXXX XXXX for {$60000.00} before I made my first payment my mortgage was sold to XXXX XXXX XXXX .I never got a certificate of satisfaction from XXXX . After a few yrs. I found out that XXXX was purchased by Wells Fargo Bank I tried again to get a certificate from Wells Fargo with no response. That was in XX/XX/XXXX and again I 'm at their mercy because I tried to get a loan and because XXXX is still on my deed i was rejected. In XX/XX/XXXX I paid my house off The final lender was XXXX XXXX XXXX Now that I got no more mortgage payments I would like to get this issue resolved with XXXX to get my title cleared.
Product: Credit reporting

Experian deleted a paid off school loan it always reported to illegally lower my credit score
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 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 causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting issues, my financial institution and Zelle failed to investigate my claims. They told me that recovering lost funds was impossible and tracking these transactions was pretty much pointless. The CFPB indicates that Zelle has neglected to protect consumers and has also allowed repeat offenders to exploit the system, leaving us, the users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX numerous times in reference to this XXXX XXXX  bankruptcy that's being reported on my credit report I have advised them the credit report information is incorrect I've also sent certified letters to XXXX about this issue and have supplied them with documentation from their third party that gets the information from they have advised me XXXX I don't have a bankruptcy being reported I want the information removed as soon as possible I don't know why it's taken so much time There is a Bankruptcy being reported and this items need to be removed I have supplied documents to have the item removed
Product: Credit reporting or other personal consumer reports

This company continues to skirt around the truth and is reporting false information. Company has not provided original validation showing proof or ownership. 
Company is stating that the emails being received are from a fraudulent company, which is false. 

Violation of 15 U.S. Code 1681s-2.

Violation of the FDCPA section 809 ( a ).
Product: Debt collection

Credit Bureau Systems Inc. was collecting medical bills. They sent me a notice of collection with a website where I could pay. I went to the website and clicked login, login however was for businesses using the service not for the consumer that they were attempting to collect. so i clicked pay bill which gave a disclaimer and then a page to enter your routing and account number or credit card number. Nowhere did it show you what you were paying or confirm that you were paying bills you owed. i called the customer service number and requested a login where they confirmed I don't have one and suggested I contact the attorney 's office associated with the account. I asked for an itemized bill which I never received. I don't think it is fair collection practice to not show a consumer what they are paying. it seems very unsafe to enter account or credit card information into a website where you have no details on what you are actually committing to pay. This all seems like a fraud to me however, I have since been served with a law suite over this. this seems like a very unfair collection practice and unsafe in this day and age to blindly enter account information without understanding what you are paying
Product: Mortgage

My mortgage was purchased by a company called Freedom Mortgage last year. Im extremely concerned with how theyre conducting business as Ive had mortgages since XXXX  and Ive never had to work with a company this dishonest. 

My insurance has been escrowed for years and theres never been an issue with payment. Last year, freedom mortgage wasnt paying my insurance. I called them about the lack of payment ( they did not reach out to me ). They said they couldnt get in touch with XXXX and I needed to call them. XXXX had not heard from them. I then got a threatening letter from Freedom Mortgage stating I would need to be on their insurance and would pay a monthly fee ( I wanted to continue with XXXX, not forced onto Freedom mortgages insurance company ). After MULTIPLE emails and phone calls ( which took weeks of my time ) I was able to remove Freedom Mortgage from paying my insurance. This year, I have paid my insurance in full ( just last month ). Freedom mortgage is now stating I will be charged {$80.00} a month to be on their insurance. My home is fully covered. Ive emailed Freedom Mortgage twice and called 3x, the phone calls have went nowhere, I just get sent around in circles and put on hold for 15 mins. Only one of the emails has been answered that they need to research this issue. Im not sure what needs to be researched as I literally explained this to multiple workers there, last year. 

Again, I have paid my home insurance and refuse to be on theirs as that is stealing {$1000.00} from me. Please research this company- Im sure they are doing this to multiple innocent people that never even signed up to do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. 

I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX  or CFPB that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has confirmed my personal and private information has been improperly protected and is now part of an entire batch of data stolen from Equifax through " hackers ''. I have already placed a fraud alert on my credit file to catch any attempts to use my data in the next 90 days. However, the information which was stolen will be with me for the rest of my life, and I now must continually freeze my credit or keep on high alert to protect the most private data that actually makes me a " person ''.
Product: Credit reporting or other personal consumer reports

My address is not correct on any of my credit reports and is keeping me from conducting business which is against the law for the Credit bureau to interfere with commerce. The address listed XXXX XXXX XXXX XXXX XXXX, Ca XXXX is not an accurate address because I have not lived at that address for over XXXX  years. it was a childhood address. The XXXX address needs to be removed. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ) .he relevant US code for credit bureaus not updating correct information on a credit report is 15 U.S.C . 1681 et seq., also known as the Fair Credit Reporting Act ( FCRA ) ; this law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of information on consumer credit reports, and also outlines consumer rights to dispute inaccurate information on their reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that if the information on the credit report is wrong it must be corrected. If credit bureaus violates the FCRA, consumers can sue for statutory damages ranging from {$100.00} to {$1000.00}, even if they can not prove actual harm. i was a victim of Identity theft and data breach through Equifax and XXXX.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX through XXXX XXXX. The lease was financed through Chase Auto Finance. It was a 36 month lease but the dealer offered me an early lease termination deal and I ended up leasing a XXXX XXXX XXXX and again financed the lease through Chase Auto Finance. I returned the XXXX XXXX to the dealer on XX/XX/XXXX, made my last payment on XX/XX/XXXX in the amount of {$310.00} ( dealer advice to make this extra payment just in case ), Chase received the payoff from XXXX XXXX in the amount of XXXX on XX/XX/XXXX and sent me a balance of {$280.00} on XX/XX/XXXX. I called Chase to ask for an end of lease bill to see why I was charged {$28.00}. A CSR took my request and asked me to wait for a letter from Chase. On XX/XX/XXXX, I received a letter from Chase, but did not contain any itemization of the end of lease charges. Instead, the letter provided a number to call which I did. The person on the other end could not provide any information and transferred me to another department. The person I spoke to said they could not see any explanation on the final charge and suggested that I should call back after 60 days. This is the most ridiculous customer service I have ever received. For no explanation whatsoever, Chase just took {$28.00} from me, and I don't know how many people were in the same situation but did not bother to call to find out why. This is a very irresponsible and abusive lending practice and should be stopped before more customers are taken advantage of.
Product: Credit reporting 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. 
XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX CREDIT XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX CO : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX & Experian are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXXXXXX XXXX  XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I tried disputing an inaccuracy on my XXXX credit report, from a company : ACIMA DIGITAL FKA SIMP, multiple times, to no avail. I've never heard of this company, it's a fraudulent account which I expressed to them in XXXX and XXXX. Yet, rather than doing a thorough investigation, removing this incorrect information from my credit report, it remained on my report, which is a violation of the Fair Credit Reporting Act Sections ; 623/611. My credit file shows this account was opened on XX/XX/XXXX, with a balance of {$3100.00}, and updated on XX/XX/XXXX. 

In each of my disputes l 've asked them to provide proof that this is my account, which they never responded. Their only response was updating the status of this account on my XXXX credit report to a closed Charge-Off. This is false reporting, which is a violation of the Fair Credit Reporting Act Sections : 611 also 623. Due to this falsely remaining on my XXXX credit report, years ago, I included a statement on my credit report that I have no knowledge of this account. 

I'm once again asking that Acima provide feedback and proof of a thorough investigation regarding this matter, removing this fraudulent information from my XXXX credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted " XXXX XXXX Bank '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Creditor, I am writing to dispute the negative items on my credit report associated with your company. I have reviewed my credit report and noticed several inaccurate and unfair items, including late payment accounts and charge off accounts. 
Firstly, regarding the late payment accounts for XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ), I would like to point out that these accounts were a result of temporary financial difficulties. While I admit that I fell behind on payments, I have since caught up and am now current on all accounts. I kindly request that you remove these late payment accounts from my credit report, as I believe they are unfairly affecting my credit score. 
Secondly, I noticed that XXXX XXXX XXXX ( account number : XXXX ) has charged off my account. I am devastated by this news, as I have always strived to maintain a good credit history. However, I was not made aware of this charge off until I reviewed my credit report. I kindly request that you provide me with more information about this charge off, as I believe it may be inaccurate or unfair. If the charge off is indeed valid, I would appreciate the opportunity to work out a payment plan to satisfy this debt and prevent further damage to my credit report. 
Finally, I am disputing the charge off accounts associated with XXXX XXXX ( account number : XXXX ) and XXXX ( account number : XXXX ). I have no recollection of opening these accounts, and I have not received any communication from your company regarding them. I kindly request that you provide me with more information about these accounts and take appropriate steps to remove them from my credit report if they are found to be inaccurate or fraudulent. 
As a law-abiding citizen, I understand the importance of maintaining good credit. However, the negative items on my credit report are causing me great emotional distress and anxiety. I kindly request that you investigate these matters thoroughly and respond promptly, as I am eager to resolve these issues and restore my good credit history. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX