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

Because I believed that my credit score was good, I had not checked it for many years ( I can not even recall ever checking it. ) Knowing that I could get my credit score without incurring any charge, in XXXX of this year, I checked it with Transunion, XXXX  and XXXX. I did not sign up for any of their additional services. On my XXXX XXXX Visa statement/bill, there was a charge dated XX/XX/2020 by Transunion of {$24.00}. I was very surprised, not knowing what this charge was for. I looked at my previous statements and saw that I was also charged {$24.00} by Transunion the previous two months, on XX/XX/XXXX, the date I checked my credit score, and again on XX/XX/XXXX. Obviously, I should have checked my bills more closely and would have uncovered these charges earlier. On XX/XX/XXXX, I went on the Transunion web site and cancelled the subscription for which I had not requested but had been charged. Since their billing cycle is on the 16th of the month, and since I did not receive the current Visa statement until XX/XX/XXXX, I will receive another bill for {$24.00} in XXXX. 

I do not believe that what Transunion did to me was deceptive because deception would have required my agreeing to their service under their false pretenses. What Transunion did to me is to perpetrate a fraud. I did not agree to any of their services which would require any payments and I certainly never gave them my Visa number or permission to charge my Visa for anything. Since they have access to all my and my wife 's credit cards, they used it without my knowledge or authorization. I called them all day and numerous times on XX/XX/XXXX and XXXX and did not get through to anyone. I called XXXX and XXXX, the only numbers I could find, and received only their voice messages which said that " no one is currently available to take your call '' and " all representatives are still assisting other customers. Please hold for the next available representative. '' At one time I held for 45 minutes with no answer. 

Thank you for your time in reviewing this and ask that you treat them accordingly to their fraudulent actions and have them reimburse me {$99.00}. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I am languished by a horrible process. I suspect program and/or transaction error. It is very difficult for me to tell if it is whether excessively unfair government and/or lenders or creditors or a specific government agency which always declined my personal loan or credit applications  XXXX  for years to come. What really is the deal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification off my credit card email stating my credit score decreased. Very confused, I signed up for XXXX XXXX and found that my credit score decreased because of an unpaid loan. I do not own any sort or type of loan. I live in Florida and this loan company originated in Texas. I called the number and they say they can not help me because they do not know whose loan is under my report without information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account hurting my ability to obtain credit. This account charge off on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then the account has repeatedly been updated as charger off every moth.This is an update in the payment history. A charger off account should NOT include an active payment history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you will reinvestigate this account properly and see its has violated my rights of privacy. I am demanding a deletion of the following account of my credit report. Account Name : XXXX XXXX, Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did.

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP
Product: Mortgage

Carrington Mortgage Servicrs LLC Does not let you pay your mortgage without charging you. My name is XXXX XXXX My account number is XXXX.
Product: Mortgage

I have discovered multiple errors with my mortgage that consist of the following .... 

Incorrect amounts were allocated improperly for escrow-paid insurance and property tax. Which in turn led to a massive shortage in the escrow account of - {$6500.00} .... ( Although in the same statement, the amount changes 3 times from around XXXX to XXXX .... ) Due to this, the mortgage payments are going up to {$1900.00} per month, which we can not afford presently. We tried to do a loan modification prior to all this so we could manage our payments better, and ended up paying over {$7000.00} on XX/XX/year> which was required to close the escrow account and pay for taxes and insurance on our own. I spoke to different representatives about this who gave the go-ahead to do so. Later, after being ignored this time as well, we apparently were not allowed to close the escrow account even though it was stated that we could. Due to a late payment over the course of 12 months. We did not know this prior to paying such a large sum of money. 

Now in the loan modification agreement, there is a passage included that states a consumer can close the escrow account at any time .... I included this amongst other issues in a notice of error and request for information that I sent last month. Fay Servicing, my loan servicer, will not communicate with me whatsoever. I understand that a servicer has 5 business days to acknowledge receipt of NOE and RFI. They have not done so. 

My mortgage is now in default and I am scared that I will face foreclosure soon. I wanted errors corrected and to receive some information before beginning to try and pay such a large amount every month. I need to now, as of today, pay {$5400.00} to clear the default, which I am trying to raise money for currently .... 

The original loan modification was supposed to make my mortgage payment more affordable, which never even happened, I was just given a bit longer to catch up.
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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been inaccurately reporting my XXXX credit card account for the past two months. Please see attachments of my XXXX Credit Card statements versus what Experian continues to report the same inaccurate balance multiple times in one month causing score decrease. 

Please see all attachments from previous complaint filed # XXXX I am opening up another complaint. The issue was not addressed. I pay my bills on time. Furthermore, per the Federal Trade Act, the credit reporting agency is responsible for making sure all information being reported is correct. In this case it was not. Also, to go as far an offer me advise on credit repair companies is an insult. The response from Experian was belittling, in which which Experian tried to scold me and offer advise on how to obtain good credit. I have excellent credit in which you are trying to destroy. I have a 700 plus credit score so I dont think I am in need of credit repair. However I will be contacting a consumer credit Attorney asap. If I let you continue this process of discrimination and defamation I will be needing credit repair. 

Experian I dont need you to send me a copy of my credit report. I have access to my credit report obviously, hence my reason for the dispute.
Product: Credit reporting or other personal consumer reports

as of XX/XX/year>XXXX XXXX XXXX XXXX  has not verified this debt provided no documents of this debt being verified and has, placed it as a charge off on my credit with a past due amount of {$1500.00}. 

as of XX/XX/year> XXXX XXXX XXXX has not provided verified documents for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressing the inaccuracies on my report to TransUnion and filed a dispute on XX/XX/2020. It has been over 30 days now and I have no updates or results.
Product: Credit card or prepaid card

On XX/XX/2023, I authorized a transaction with XXXX for {$230.00}. 

On XX/XX/2023, XXXX shipped my item. Also on XX/XX/2023, the charge was issued by XXXX to American Express. 

Issue : American Express dated this charge on XX/XX/2023, therefore denying me their credit card benefit which provides a {$200.00} statement credit for any XXXX purchase between XXXX and XXXX. 

I have spoken with the XXXX Executive Management team. They confirmed with their financial team that *ALL* dates are in XXXX - authorization, charge issue date, and charge acceptance by American Express XXXX Everything was on XX/XX/2023 or XX/XX/2023. 

Only American Express reflects XX/XX/2023, which I believe is an attempt to deny me their card member benefit for the {$200.00} statement credit. 

I opened a dispute with reference number XXXX to provide American Express a chance to rectify this situation. They failed to do so. 

American Express customer service representatives also failed to assist me. They continued to blame the merchant, despite the merchant ( XXXX ) providing clear evidence that everything occurred in XXXX.
Product: Checking or savings account

On XX/XX/year> a deposit was made in a stand alone atm for Truist bank located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Cash was inserted into machine. No receipt was given. Reported the {$700.00} missing from my account and was given a provisional credit pending investigation. On XX/XX/year> it was debited back out my account with no notice given. Spoke to customer service over the phone and was directed to bank. Bank advised me that they didn't confirm with 3rd party Brinks of any overages at that ATM. This isn't confirming I wasn't there and money wasn't enter by bank themselves. I'm requesting bank to pull camera footage from that day between the hours of XXXX XXXX  est to around XXXX XXXX. My son made the deposit for me driving a XXXX XXXX He can be described as a XXXX XXXX  with XXXX.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$510.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Student loan

I have been trying to deal with XXXX for the last few years. They are very unhelpful and they will not give me realistic options to help with paying my student loan back. I do know that I took the loan out and I do plan on paying the loan back but I plan on paying it back the only way I can but they do not seem to work with you. I would rather see you starve or starve your family and all they are worried about is getting their payment. They make you think the only way you can go to college is through getting a loan with them and they take advantage of young kids. They are cheats and they need to pay. They harass my XXXX year old grandfather all the time because he was nice enough to cosign my loans. They call my work numerous times even after being told not to call them. I finally set up a payment and pay it for 3 months to come to find out that they only applied my payment to four of my loans and not all of them. But they failed to mention that to me also now two of my loans are behind which I had no clue. They are not here to help. They are making me think that the only way to get out of this situation is to XXXX XXXX. When researching online there is a large number of XXXX  every year as a result of student loans. This needs to be stopped and this company needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.
Product: Credit reporting or other personal consumer reports

I currently have 5 addresses on my report that are incorrect as they are non- mailable addresses that I would like removed immediately. I have made several attempts with Experian to do so with no success and it's been difficult with them. So I am formally filing a complaint with the CFPB. 

The Fair credit reporting act 5 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. Experian is consumer reporting agency and I am the Consumer.

And according 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. '' and 15 U.S. Code 1681b Permissable purposes Experian is violating my consumer rights by having inaccurate information on my report.
Product: Vehicle loan or lease

Hello, Nissan motor acceptance violated and breached my California durable power of attorney not once but twice they violated my fathers power of attorney and violated my power of attorney. We are both XXXX applicants for the vehicle loan. My mother is our power of attorney and they disclosed our account information without authorization. They process a third-party payoff and issued our vehicle title to an unauthorized third-party for which my father nor me Signed for and for which neither did our power of attorney there is no verbal or written authorization from my father, or myself for Nissan to have committed the elder financial abuse that they did my father is XXXX XXXX XXXX and he is the primary loan holder for his Nissan vehicle. I am the secondary, which was to help me with my credit, but I had no time possess the vehicle. It is my fathers vehicle. He only added me as a secondary to help me improve my credit with all the time payments being at my fathers XXXX XXXX XXXX with XXXX, has a power of attorney. This is elder financial abuse that Nissan committed by them, giving away our title and processing a third-party payoff without any authorization we have record of the phone calls were they said that they would not do this, but on XX/XX/XXXX they illegally and fraudulently process a third-party pay off without our other, is ation, and give away our title, despite four years of payments of over {$20000.00}.
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 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went to look on my credit report and that is when I found out I had it, I have never used uplift, and XXXX dollars bill, I have requested paperwork and anything that shows I signed anything I dont have any charges on my bank statement I dont have any record of this charge.