23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.
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 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I contacted Equifax and XXXX by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On XXXX the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On Equifax the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report isnt up to date
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Making sure payments are made. This co. Does not offer autopay. Depending on which customer service person they state that you can make either three payments scheduled in advance or six. I went online in XXXX and scheduled what I thought was six payments. It turned out the computer only allowed three and I did not realize it. The company stated they called me 20 times, and no time. Did I get a phone call or a voicemail. They then reported me 30 days past due to the credit bureaus and my Fico score dropped over 100 points. I contacted them and they then told me that I had not set up six months and only set up XXXX XXXX and XXXX and my XXXX payment was not made. I explain to them what customer service said told me knowing that they record all conversations they told me there was nothing they could do about it and I filed a dispute directly with their company. They then came back and said no they werent going to change it, so I asked them to send me transcripts of my taped conversations in XXXX and they told me I would have to get a court order. That means I have to hire a lawyer and spend a lot of money over something I should have access to I have filed a dispute with Experian credit and have not received any news yet. I am very frustrated with XXXX. They do not have auto pay and therefore I could only go by what they told me and I have over seven other credit cards and maintain a small debt to allowable credit percentage and my credit scores have been over 775 their credit line of {$1600.00} was the smallest one I have as my cards range from 5000 to 25,000 I have a 10 year history of no past dues and now my credit score has suffered. I have a business and banking relationships that I have to make each year a renewal of my credit lines, unfortunately for me they come up in one week. I had the companies credit card for 13 years and never missed a payment. I hope that you can find a way as I believe these people are predatory by wanting to get late fees from people. I have searched since my problem began reviews on them in several websites and they all say the same thing that customer service is terrible and they dont know anything and theyre a hard to deal with. I have paid them in full and in and in the process on canceling my account. It infuriates me that people work hard to keep their credit good. The company hopes for a late fee and this company doesnt allow auto pay or what they say they will allow. I did not get 20 phone calls as they stated, I did not get a letter as they stated and I did not get any voicemails.
Product: Debt collection

My original loan from XXXX XXXX was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to Clearview Resolutions. These people referred me to Clearview Associates who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than XXXX XXXX. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a Clearview XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?
Product: Credit card

I received a credit card that I didnt apply for. I called the company and told them about the issue and I was told that the account has been closed now and they will send closing paperwork and fraud information. We didnt give them any personal information and we were told to contact consumer financial protection bureau . I just want to make sure that this is reported.
Product: Debt collection

XXXX XXXX is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Over the last month and a half, I have been trying to receive my credit report from Equifax in order to get a home loan. The 2 other major credit agencies had my credit report from my car loan, but Equifax did not. They said they had an error code NH, which means no history. I have spoken to multiple representatives over the span of 1 month. This includes multiple times a day, and at least once daily. However, I have received no solution to my problem. I was told to mail out copies of my SSC, my car loan, my ID, my marriage license, utility bill and a note explaining situation. However, when I call to check status, they said they do not have any history of this letter. I even paid extra to track my letter with this and saw it arrived at the correct address. However, I was not giving any update or solution. I tried to file a dispute on Equifaxs website, but I get an error code NH telling me to call. I am currently stuck losing my mind as I just want a solution to the problem. I have spoken to XXXX to ensure they have the credit information and are sending out the credit information that Equifax needs. However, despite this, Equifax does not offer any other solution other than mailing out copies of info which I have already done. I am almost in need of a credit attorney which would be a very expensive fix for what should be a simple solution. Equifax has provided zero alternatives. They insist all I need is to mail out that information, but when I did multiple times now, they claim to have never received it nor can they check on status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The State of Maryland is charging me apx {$6.00} k to release my graduate  transcripts. I believe they and individual employees at XXXX are ripping me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX ran my credit without my permission. so Now i have inquiries from them that I did not ask for. Also, On XXXX and on XXXX Capital one Auto Finance ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX XXXX XXXX company that ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX ran my credit without my permission. According to the FCRA states that credit inquiries made without " permissible purpose '' can be removed. Additionally, the FCRA states you can sue for damages in the amount of XXXX for each instance a company pulled your credit report without your permission.
Product: Debt collection

i have been getting repeated phone calls every day at different times of the day. i work XXXX sleep day time hours.they have also contacted my family members repeatly also as well they have been out to the house XXXX knocking trying to collect the loan i owe them. security finance in XXXX sc.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX  XXXX XX/XX/2022
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME XXXX I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information 15 USC 1681 section 604 a section 2 says " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, and TransUnion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I am a XXXX Veteran and applied for a VA Home purchase loan. I have been trying to purchase this home for two years and have had problems with the seller. My son used to live at the property but I wanted to buy it as my primary residence. With help from the courts we were able to get a court action stating that I could purchase the property. I submitted all the required paperwork to Home Point Financial Corp and was approved for the VA loan. I completed the VA appraisal, the Termite Inspection and the Survey. I was suppose to close on XX/XX/2019 but was informed by my loan officer on XX/XX/2019 that Home Point Financial had denied the loan stating that they did not feel I was going to occupy the home as my primary residence and that I would not be able to maintain the up keep on the property. They came to this conclusion due to a letter that was sent to them from the seller of the property containing inaccurate information. At no time did they contact me to discuss this situation. The requested more documents from my loan officer, which were provided immediately. I do not feel that a lender should be allowed to deny a loan due to speculation and that they feel a XXXX veteran can not maintain the property. I have attached the letter from the Underwriter.
Product: Debt collection

Lloyd and McDaniels law firm apparently sued me for a debt in XXXX. The original debt they said was through XXXX computers and then XXXX XXXX. They wouldnt tell me how old the debt ( original ) was from XXXX but if this action took place in XXXX from the 3rd collector and its 4 years old Im going to guess it was at least 10-15 years old because Ive not even owned a XXXX in that long. My wages were garnished this past payday which was XX/XX/XXXX and I had no idea that was even going to happen. I called the number on the paper that my Human Resources got for me from the payroll department. They said they were not releasing the garnish. I make {$300.00} every 2 weeks if that and I am a single mother. This puts a hardship on me trying to take care of my daughter. I am finally getting a few more hours at work then it takes out the extra I would have had from a garnishment I didnt know about. If I was served in XXXX I dont remember that was 4 years ago and also was going through a divorce at same time. I was never sent a letter letting me know it was coming out now. I am working more hours for the same pay and missing out on time with my daughter. I need this garnishment stopped because I dont know what Ill do if its not. The debt is for {$4500.00} XXXX cant pay that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Trans Union how legally, the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Trans Union has not done a legal verification of this alleged creditors and taken them off my credit report.
Product: Checking or savings account

On XX/XX/22 I received a email saying my XXXX  Account has been permanently suspended for some type of fraud activty I have no clue about also my full account balance is still on the account in the amount of {$2700.00} that came from my college funds that I need to pay for my courses
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

wells fargo bank advised my title company XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Tel that the amount needed to pay off my home mortgage loan was {$140000.00} when in actually the payoff was {$140000.00} the first amount they said included interest and they supplied a payoff letter that I will be forwarding to the IRS for the interest it appears they are manipulating numbers and in addition they did not respect my privacy giving my personnel cell phone number to a XXXX appraisal company that called me I asked who gave you my number the lady advised wells Fargo did their telephone XXXX XXXX received several calls from this business and a technician I never called them or requested their service violating privacy rules my real estate agent and the title company mentioned above stated that working with wells Fargo was a nightmare they stated it appeared they did n't want the property to sell and go into foreclosure this is my complaint I will continue with a complaint to the XXXX.
Product: Payday loan

initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated to see INACCURATE PUBLIC RECORD INFORMATION appear on my credit report this morning for no reason. I checked it like I usually do, but this time, these discrepancies came out of nowhere. I tried refreshing the page, hoping it was just an error, but the inaccuracies stayed. I urgently need the documents I've provided to be reviewed thoroughly so this issue can be fixed, and I can finally have peace of mind.