23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Date XXXX XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

XXXX has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked XXXX  over a dozen times to delete BSI Financial services  as the account is closed. They show 2 open real estate mortgages, which is incorrect.
Product: Mortgage

Hi, I am writing about a issue with US Bank. My issue is with XXXX XXXX XXXX, she is a XXXX XXXX. My issue is this loan process is taking too long, there has been too many mistakes, the information that was sent to escrow was incorrect. I have to correct XXXX a number of different things. On my initial visit I spoke with XXXX at the XXXX branch, XXXX was writing down my information and I disclosed to him that I was part owner of my business. XXXX already knew that information before our meeting. Now after I sent all of my personal information in your portal XXXX is just now discovered about the XXXX and she is asking all this information. I feel like I am starting all over from scratch. I had to wait almost a month to get the appraisal on the land after I was rushed to put in my personal information in your portal. I was told by XXXX she discovered me being a XXXX XXXX from a side bar conversion with XXXX XXXX. It is my opinion that if XXXX was doing her due diligence and I was receiving professionalism this would have never taken place. It is also my opinion that I am being profiled because of my ethnicity. My issue is time sensitive due to the lot I am trying to purchase. The XXXX housing market is still hot and I don't want to lose this lot due to the poor service I am getting. I have been trying to close this loan for close to 2 months. I hope to get a phone or email about this issue soon. 

Regards XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di & thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I recently asked you for help because Well Fargo closed my account and left me with no money just because I am XX/XX/XXXX thats what they told me and I had to update my status and therefore late payments on direct payments to the bank. I dont know what they did that week with my money. I filed a dispute with you and even so my money remained in the bank without me being able to use it. I was greatly affected because today I have interest on those charges that they never let go, they never apologized and I am a citizen of this country. I am writing to you because I heard that they have won lawsuits for doing improper things with our money. I wanted to know what can be done with my case. I am XX/XX/XXXXand because of them I am paying a lot of interest on my automatic payments. I have become nervous and I can hardly sleep. I hope for your help. I THINK IT IS NOT FAIR THAT THEY MANIPULATE OUR MONEY LIKE THISTHANK YOU in advance for reading my complaint. Thank you very much my name is XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is related to a virtual currency service over the internet by a company called XXXX. 
I made a transaction through them using my credit card. Instead of taking the money out as any other credit transaction ( as done by similar other service like XXXX ), they took the money from the credit card as a cash advance. They did not provide me with any information that they will do so. As a cash advance, it triggered interest on all of my credit card transactions from that day ( i.e., before I could spot the problem and paid of all balance ). It also imposed cash advance fee and transaction fee by the credit card. The original transaction was {$260.00}. I paid more than {$50.00} on fees already. It seems this can be a scam by XXXX  perhaps in cahoots with credit card cos. on unsuspecting customers. I have never kept any balance on my credit card because I am aware of the punitive interest rates. But in this way, the credit card company can impose interest from day 1 before I am even aware that a third party took out cash adavnce instead of a credit transaction. While I am still dealing with this problem with the credit card XXXX and XXXX and, hopefully, get it resolved, I think for many other regular customers will end up falling for this unfair practice ( or, perhaps, a scam ). That is why I am reporting this.
Product: Credit reporting or other personal consumer reports

The XXXX account is unfortunately continuing to be displayed on my account while the following information is inaccurate and INCONSISTENT across XXXX, XXXX, and Experian : 1 ) Account Balance 2 ) Account Status 3 ) Open & Closed dates
Product: Checking or savings account

Ive been trying to get my money back from dispute for over 4 months now and Ive sent in all and any documents to back me up on receiving my money but Ive constantly been denied I sent police. Report the merchants response my very own statement letter and a lot more and Ive dealt with rund people that hung up in my face multiple times and this nerve of you people to treat me this way after I had my account compromised from a breach an money took from my stole card that I been reported to prevent this and you all didnt do your part. Nor hold up to ur private and protect agreement and you have lied to me more then enough to take matters to court I need my money back immediately I have done 7 rebuttals and Ill keep doing them until my attorney starts the case I have been more then a calm and peaceful person when you all dont care about my hard earn money and treating me like the villian. I have voice recording and other things to make chime really suffer and trust me Im trying to take the high route and talk to you all but seems Im going to have to take this to a whole another unpredictable situation my case number for at least one of the rebuttals # XXXX # XXXX # XXXX
Product: Credit reporting

I have XXXX complaints about all XXXX major credit bureaus ( XXXX, XXXX and Trans Union ), that show they are not taking the proper precautions to protect individual 's identities, and have practices that cause consumers who have been victims of identify theft to pay for services that they are entitled to get for free. 1 ) All XXXX are using very outdated SSL security on the websites that one must use to enter social security information, which means an unsophisticated attacker can easier capture SSNs in transit. 
2 ) In order to get a free credit freeze when consumers who have proof of identity theft MUST send that proof by regular mail, which includes the consumer 's SSN, to a XXXX for all XXXX bureaus, with an address that includes the bureau 's name and " credit freeze '' in the address name. This makes identify theft through the postal mail extremely easy! The postal service loses large quantities of mail each year. Also, this means it will take more time to place the credit freeze due to waiting for regular mail to make it to/from the credit monitoring bureau. For those reasons, I felt the need to pay for the freeze service that I was entitled to get for free. 
AND, I could not find any place on any of their websites where I could contact them to raise these issues.
Product: Student loan

My private student loans were made and serviced by XXXX. My loan were originally on a 10 year term, but in year four or five of the loan, i changed the loan to a 20 year term. 
As a result, my monthly payments were {$140.00}. In XX/XX/XXXX, the loans were transferred to XXXX. The first few payments were for a similar amount, but then in XX/XX/XXXX, XXXX unilaterally increased my payment amount to {$1300.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted XXXX, they said that the only documentation they had was that my loans were on a 10 year term, and  therefore they increased my payments to {$1300.00}. However, XXXX is ignoring that my statements and payments for the past 4 years reflected a 20 year repayment schedule. I believe that XXXX did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IQ DATA INTERNATIONAL would verify the debt. So I took it upon myself to ask IQ DATA INTERNATIONAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Federal Credit Acct # : XXXX... 
Balance is inaccurate. Should show XXXX Balance Information is inaccurate Dates are Inaccurate Mixed up with Ex-Wifes account Please show XXXX Balance or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Due identity theft a security Freeze was placed on credit report report since year of XXXX current as of XXXX, Discover fin svcs LLC is an account now in colletion and has been since XXXX, due to myself sending XXXX evidence of police report copied ID, ssi number, they removed account off my credit report,XX/XX/XXXX, XXXX has allowed this company to replace on my report again as of XX/XX/XXXX without informing me about this information, the prosendings was not explained to me in writing by XXXX and why this happened.has caused hardships and mental health for me and family. Thank you
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the CRA 's has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish/report an account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed.

see attachments
Product: Mortgage

In XX/XX/XXXX I filed for bankruptcy, in XXXX I successfully renegotiated my mortgage so to not lose my house. The renegotiated mortgage after a seven year period reverted to the original terms. Taking my interest rate to 6.5 % on my first and 5.14 % on my second, effectively almost doubling my mortgage payments. I have contacted Wells Fargo on a number of occasions to try and do something about the interest rate and payments and am continually told I do not qualify for any program. I have now used up any and all savings making these payments, I submitted all the documentation I thought WF needed because they say due to the bankruptcy they can not request anything from me and again am told I do not qualify for any program and they refuse to tell me why
Product: Credit card or prepaid card

In spite of the fact I have a XXXX credit score and make {$250000.00} and have never ever been late on a payment, JPMorgan still denied my credit card application. This is XXXX redlining ( I am not XXXX ) because there is no other plausible reason for my application to have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDid n't complete services rendered XXXX misleading communication which Lead to know communication at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

I am contacting you becauseI recently disputed a bankruptcy you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 percent accurate. However this account is still reporting inaccurate which is costing damage to my credit file The case number you are reporting is wrong XXXX The name of the court is wrong XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand That this account be deleted immediately. After you do so please send me a copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to get this issue resolved. The credit bureaus have an obligation to report complete, accurate, and validated information. XXXX and Equifax have failed to remove an incomplete unvalidated bankruptcy that is reporting on my credit file. It is damaging my credit. When filing bankruptcy it must be an amount you are filing bankruptcy for? The date filed should not be 2 different dates. XXXX is not reporting this bankruptcy but XXXX and Equifax continue to report this incomplete invalid negative item. I have submitted several documents with proof in black and white and they have been disregarded. THE BANKRUPTCY NAME DOESNT INCLUDE THE CITY AND STATE WHERE THE PUBLIC RECORD WAS INITIATED. DATE Bankruptcy was FILED/REPORTED FOR PUBLIC RECORD INCONSISTENT. See attach copy of credit report with the reporting status.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.
Product: Debt collection

In 2014, I went to the emergency room. A month later I received a bill from that visit. I was covered through XXXX XXXX for University XXXX XXXX students. I went to the insurance on campus and showed them the bills. They told me that they never deny emergency room visits and they would check why it wasn't paid. I checked back in a month or two, and they told me that it had been paid off.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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
Product: Credit reporting or other personal consumer reports

I have an inquiry and I need to remove it since I did not authorize it.day XX/XX/
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 proce was unfair and deceptive, as they did not comply with error resolution requirements u
nder 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, credit repair services, or other personal consumer reports

Ive disputed a Bankruptcy with the 3 Credit Bureaus ( TransUnion, XXXX, & XXXX ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( TransUnion, XXXX, & XXXX ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company ( XXXX ) they state they utilize even after Ive submitted physical proof.
Product: Debt collection

I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. 

The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.
Product: Credit card or prepaid card

I did a consultation via phone with a dental office called XXXX XXXX  located in XXXX Florida. They used my personal information to open the account and charged a total of {$7500.00} XXXX XX/XX/2022 when I have not even visit the office in person or get any services. I have never signed any documents to open this credit card called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an error on my XXXX and Experian reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX  has since been removed from Experian but XXXX XXXX XXXX remains ) this account was paid in FULL, however XXXX verified it all 4 times I disputed it as did Experian, so I show XXXX  AND Experian my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.