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

I can not believe the unprofessionalism of the credit reporting agency Experian inwhom I've disputed the following accounts with, all to no prevail. It was written within the laws of the FCRA itself that if the creditor is bringing about allegations then these allegations shall be physically verified and me as the consumer has the right to the Method of Verification used. I've requested certified physical documentation of these unknown and unauthorized accounts reporting on my credit file. But then Experian only response is that they will not reinvestigate. This matter should be on file I've reported this some time ago when my information was stolen and compromised. I'm not sure what's more disturbing, someone using your information or a company ( Experian ) inwhom suppose to protect your information. I'm demanding that these accounts be not only removed from my Experian credit file but blocked as well. Please remove. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Payday loan, title loan, or personal loan

I was a victim of Credit Karma giving me preapprovals based on my credit report-and when I applied, I was denied. I stopped applying and now I disregard the preapprovals offers. My credit was checked and caused a decrease in my credit score several times. I expect to be compensated from the results of this lawsuit -My Credit Karma was also closed after I had to dispute charges
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called XXXX XXXX about my XXXX XXXX XXXX business account to make a payment arrangement the manager approved my payment arrangement so after the manager approved it I had to call back because the company I work for was sending my check late so the representative that I spoke with in XXXX after talking to the manager I explained to him the manager had approved the payment arrangement but I was calling back because my check wouldn't be in by the date the payment arrangement was made so I asked him if it was okay to send it in the next week he said let me take a look and see he came back to the phone and said yes it's okay to pay the next week. Remind you the payment was submitted in the same month and was not 30 days past due and XXXX XXXX is making false late payment to my credit report and I have never been late since I have had a credit card with the company but to make a false report to the credit bureaus is wrong because it's making it seems like I can't pay my bill on time.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

Upon carefully examining a copy of my personal credit report, I have uncovered a numberof discrepancies. While I understand that errors can occur, these particular inaccuraciescould seriously jeopardize my prospects of becoming a homeowner. I have researched thedispute process and I am aware that you are required to complete your investigation withina thirty-day timeframe. I kindly request that you take the necessary time and care toeliminate the inaccurate information from my credit report. Given the current economicchallenges we face, I can not afford to have incorrect data negatively impacting my creditscore. I will anticipate receiving an updated copy of my credit report reflecting thesecorrections within thirty ( 30 ) days. The following is the error that I have identified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please delete these accounts from my credit profile ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kic. ) ( = tol le quato 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 0:31was untair and deceptive, as they didinot '' KY 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, credit repair services, or other personal consumer reports

Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, Transunion has my name missed spelled. My name is XXXX ' XXXX XXXX.
Product: Debt collection

This company allowed 2 female individuals to get credit under my name at a furniture store. I filled police report and ftc report and have given to American first finance with nothing ever done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off card with XXXX XXXX. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report after receiving information that my personal information and social security was leaked during a data breach. I notice that there is an account by the creditor XXXXXXXX XXXX  that is being reported by XXXX XXXX, that is associated with the account number XXXX in the amount of XXXX reporting on my credit report that does not belong to me and believe this is a direct result of the data breach and I need this account and all associated accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with XXXX for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have mail XXXX different letters following the FCRA law to XXXX, XXXX and Equifax. I have not received any respond from them which exceeded more than the 30 days they have to respond by law. I am attaching the letters I mailed following the FTC and FCRA law to Validate the accounts I included in the letters for verification.
Product: Mortgage

In XX/XX/XXXX I applied for a refinance of my home mortgage with XXXX XXXX ( XXXX ). They are not the problem, instead my second mortgage, originally with XXXX, now with Select Portfolio Services ( SPS ), has been a major problem. In order to refinance My second mortgage company had to agree to be the subordinate mortgage. That is where the problem began. It has been three ( 3 ) months and after constant contact by me and my representatives at XXXX and they still have not agreed to be subordinate. I have written letters allowing them to contact XXXX and have called to let them know I am unhappy with their incompetence. They kept saying it is in review and it may take 5 days. I spoke to a supervisor on XX/XX/XXXX and she said she would set up the process. Still no answer as of this complaint. Do to SPS 's incompetence I have lost the ability to lessen my term and take advantage of HARP. Additionally I was forced by SPS 's inaction to incur a fee of {$2000.00} to lock in the rate I applied for in June.
Product: Credit card

XX/XX/XXXX for {$710.00} from XXXX XXXX. Three items are missing from the order XXXX XXXX XXXX in black and purple and seafoam were never shipped. Chase summarily ruled in favor of the merchant in violation of the Fair Credit Act. They never called me and just ruled in favor of merchant. They never even left me a message. All they have is a box that was shipped. Disgusting behavior
Product: Debt collection

I took a loan from XXXX at the end of XX/XX/2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XX/XX/XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " XXXX XXXX '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in XXXX XXXX and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to Plaza Services LLC in XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that  they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.
Product: Prepaid card

XXXX XXXX XXXX 's management team emailed to advise me that meet-and-greet opportunity packages are available. So I was willing to work with XXXX XXXX over the last four months hoping to meet the expenses of the XXXX package quoted in the application emailed to me, costing {$1200.00}. After meeting my {$1200.00} obligation to a XXXX package, XXXX XXXX, using XXXX texted me requesting a {$320.00} processing fee on XX/XX/XXXX. By the end of XX/XX/XXXX, I was confronted by hackers on XXXX saying they were an official booking management from XXXX and went by the email XXXX. The first week in XX/XX/XXXX XXXX XXXX asked me to video call him on XXXX, using his number. XXXX XXXX texted me, again on XXXX requesting a delivery fee of {$1000.00}, then lowered it to {$700.00}, texting him it was too much in delivery fees. That's when I decided to text XXXX XXXX on XXXX XXXX XXXX XXXX username was XXXX, quoted me {$200.00} for XXXX  delivery using FedEx. XXXX XXXX quoted another {$600.00} in gift cards to have the XXXX XXXX XXXX membership card sent. The {$200.00} XXXX delivery and {$600.00} gift cards were worked through XXXXXXXX XXXX with the help of XXXX XXXX. That's when confusion between me and XXXX XXXX on XXXX  began, XXXX XXXX texted me questions about why I was submitting gift cards to XXXX XXXX, and he texted me about XXXX XXXX scamming me. I text XXXX XXXX about this on XX/XX/XXXX asking him for a {$2300.00} refund. I now do not trust XXXX XXXX, and curious if he is indeed a mail thief through XXXX, for the non-delivery of the XXXX XXXX XXXX XXXX XXXX card.
Product: Credit reporting or other personal consumer reports

This is my 3rd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB HOME XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : Chase failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, Chase failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with Chase. 
ursuant to the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, Chase is required to : Ensure accurate information is reported : Chase must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that Chase used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : Chase must pay a {$4.00} XXXX penalty to the Bureaus Civil Penalty Fund.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXX  # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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 they 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, credit repair services, or other personal consumer reports

We went into forbearance with our mortgage through Bayview, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. Bayview is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with XXXX  and they said Bayview reported us late!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681, Section 602 states I have the right to privacy. 15USC 1681, Section 604A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I got approved for a loan through Credit Acceptance on XX/XX/2020. The first year I spent at least XXXX on maintenance then got it repo in or around XX/XX/2020 because not only did I lose my job at the time. The money I was getting was all going into the car whether its wear and tear which is understandables but the car was having major issues that I was not aware about. I borrowed money from family to get the car out. 5 months or so later the engine literally died in Georgia on my way to texas. Paid to get it towed to XXXX and they said that I need a new engine. Credit acceptance eventually came and got it and nlw I am stuck with them calling me every single day about payments for a car that they allowed me to get that was hazardous on multiple levels.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

XXXX ( XX/XX/2024 ) we received word by mail ( dated XX/XX/XXXX ) from America First Credit Union that our recently purchased XXXX America First HSA CD 's will be automatically transferred in XXXX to some company called XXXX XXXX, a non bank/credit union . I never knew this could be done! It seems we may retain our XXXX eligibility but details are practically non existent. Initial research turns up issues. We have XXXX HSA CDs at America First, the first XXXX due for renewal about 7 months and another in XXXX. XXXX is not a bank or credit union. XXXX is owned by XXXX XXXX. When searching for XXXX eligible items I discovered they offer to sell these direct to you. For example, XXXX medical products. Now we need to determine our complete set of options. Where is there a complete list of options? Terms, conditions and options are nearly non existent. This begins with the ability to move our funds out of their control ( at no cost or penalty ) and into a real bank or credit union etc. I doubt they have any bank links and even if they do what interest rate do they pay? Previously we would have had the option eligible funds out and or reinvest the balance. This move by America First is at best unprofessional. Our regulated federal institutions should never allow this to occur with long term CD accounts.
Product: Checking or savings account

Someone made back to back transactions within minutes that totaled XXXX. I made several calls and sent emails regarding these unauthorized transactions. I provided the information from the filed police report and also provided a notorized statement that I didnt make the charges, per the banks request. They still refuse to respond to my recent email messages and have not credited back my account.
Product: Credit card

I canceled card and requested just the balance owed so I could make payments to pay it. My original balance was XXXX but they keep sending Bill 's with more interest and emails. It is up XXXX now. I am a very low income XXXX who lost my job do to a XXXX. Need help with this please. These letters and emails are causing me too much stress and making me ill.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect date opened, incorrect date of last activity