23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My son had a blow-out and a destroyed tire, on the freeway near XXXX, Idaho. At XXXX XXXX  on XX/XX/2023 I cash-app 'd him {$200.00}, to help. It said " Completed '' on my end, with a green check mark. Cash App transaction XXXX. My son ( XXXX XXXX. ) could not get actual access to the money, partly because an old phone had been disconnected and because at some point he had changed it from a personal account with Cash App to a proprietorship account ( or at least that's what I understood XXXX to say, something to that effect ). Cash App REFUSES to reverse the transaction and refund me, despite the fact that both XXXX and I can both aptly verify our identities, our cash-app pins, etc. They also refuse to help XXXX on his end -- despite XXXX 's being able to verify his pin, and to furnish, if needed, his driver license ( scan and send, etc. ) and social security card, etc. I think Cash App is deliberately trying to XXXX us around and deprive me of money that is rightfully mine. I filed a complaint with the Better Business Bureau and with the FTC as well, and am waiting to hear back from them. IN CASES WHERE BOTH THE SENDER AND INTENDED RECEIVER VERIFY THAT THE MONEY WASN'T RECEIVED, IT SEEMS FRAUDULANT TO ME THAT THEY WON'T REFUND ME.
Product: Credit card

I originally purchased living room furniture from Ashley Furniture and the XXXX time my husband reclined in the sofa the back broke off. They replaced the sofa. The XXXX time I purchase a bedroom set the beginning of XXXX and it was delivered ( without all the hardware to put it together ) on XXXX XXXX which was my grandsons graduation day. The furniture stayed in my living room for weeks and had to have a graduation party with it in the middle of my living room not to mention my husband missed my grandsons graduation waiting on someone to come back to move it but never showed up or called. Several people have come to the house on several occasions to put it together still without the hardware and we have had to take off of work each time to meet them. Since then we have had several people come back still without the hardware to put it together. They finally came back with the pieces to put the bed together but still waiting on the peices to put the mirror on the dresser. Bought in XXXX and here it is going on XXXX. I can not get a hold of customer service and the store is not giving me any service or returning my phone calls. I will never buy another thing from Ashley Furniture again therefore I do not want the credit limit increase on my card. Please take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX First Progress Card XXXX XXXX XXXX XXXX XXXX, XXXX Re : Case no. XXXX CFPB complaint To whom it may concern : this letter is in response to your recent claim regarding case number XXXX XXXX filed with the CFPB in which you claim all of the late payments are valid. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation. 
Be aware that I am making a final goodwill attempt to have you clear up this matter the listed late payment items are inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the attorney general 's oice, mainly because of your pattern of mailing statements late and then extracting late fees habitually from your clients. 
I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$XXXX in damages per violation for : defamation camera negligent enablement of an identity fraud, violation of the fair debt collection practices act including but not limited to section 807-8, violation of the fair credit reporting act including but not limited to section 623-b. 
You will be required to appear in a court venue local to me in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC attorney general 's oice CC XXXX XXXX XXXX
Product: Debt collection

i have informed equifax this is not my collection i have never live in the state of north carolina in mydispute i will provide a ftc report and my credit card statement showing my actual address which i have lived for over 5 years
Product: Credit reporting or other personal consumer reports

XXXX has failed to feel its legal obligations under the fair credit reporting act FCRA to conduct a reasonable re-investigation of this beauty information on my credit report, leaving an accurate or unverifiable accounts on resolve the consumer financial protection bureau XXXX, has recently filed a lawsuit against experience, a legend, systematic issues, such as failing to forward, consumer for via the evidence to furniture, acceptance and reliable responses, and feeling to adequately, notify consumers of dispute outcomes. These values along with my experience with experience has me the corrected nor removed needed items. Despite the evidence provided, cause an ongoing hard for my credit standing I am requesting immediate, corrective action to remove or a member disputed account as experience in action violates federal law in my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is collecting an account for  XXXX . I have never had an   XXXX   in my life. I can find nothing old on my credit report th at may have b een purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Product: Mortgage

I own a condo in XXXX XXXX, FL and Pennymac holds the conventional, 30-year mortgage on this property. As part of my mortgage payment, Pennymac pays my real estate taxes for {$2100.00} per year and the condo insurance for {$1200.00} per year. XXXX insurance is for the contents of the property are paid directly by me to XXXX for {$480.00} per year with a portion of the insurance on the structure paid indirectly through my condo association fees. 

Pennymac completed an escrow analysis on the property which resulted in a 50 % increase in my monthly payment. When I was able to speak with them, which occurred after a collection call and a threat to report me to the credit bureaus, I was told that the substantial increase was due to them adding cost for flood insurance at an annual rate of {$2000.00} per year. When I asked them why I would be charged for an insurance policy that Pennymac does not make payment for, I was given the runaround and essentially told that this was somehow my doing. 

They have finally agreed to remove this amount from my escrow account, but are still holding me liable for these costs for XX/XX/2023 and XX/XX/2023. They will not remove these charges from my account. I am being forced to lay out an additional monies that I do not have readily available to ensure my credit score is not damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TRANSUNION regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Checking or savings account

I am writing to express my concern regarding the freezing of my Chase account on XX/XX/XXXX. I have not engaged in any activity that would warrant this action, yet my account has been frozen with no explanation provided. I have reached out to your support team, and I was informed that I would need to wait 30 days for access to my account or funds to be restored. 

This situation is causing significant financial hardship, as I have important bills and obligations that require immediate payment. I kindly request a prompt review of my account and further clarification on the reasons behind this freeze, as well as any steps I can take to expedite the resolution. 

Your assistance in this matter would be greatly appreciated.
Product: Debt collection

XXXX hired Financial Asset Management Systems to collect on a private student loan debt. Under complaint number XXXX, Financial Asset Management Systems ( " FAMS '' ) alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to FAMS in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that FAMS needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.
Product: Student loan

I do not understand why I am unable to get a lower interest rate because consolidation happened so long ago. Why is it that new borrowers receive lower rates while those of us that have had loans for years are not seeing any significant decrease because of the high interest rate.
Product: Credit card

I made a credit card payment to PNC bank in cash, I called him the next day and asked him why hasnt the payment posted, and they said that it takes up to seven days for a cash payment to reflect on my account with them, to me that is criminal. They are using my money for other nefarious purposes, and not crediting my account when it should be instant credit like XXXX XXXX, and all other banks do.
Product: Debt collection

I have been a victim of identity theft, and this debt does not belong to me. I have made multiple attempts over the years to resolve this issue and have reached out to the appropriate parties without success. Despite my efforts, this fraudulent account continues to appear on my credit report, negatively impacting my financial standing. 

I am formally disputing this account and requesting its immediate removal from all credit bureaus. Enclosed, I have provided supporting documentation, including an FTC Identity Theft Report and any additional relevant documents, to substantiate my claim. 

Under the Fair Credit Reporting Act ( FCRA ) and identity theft protection laws, I request that you take immediate action to :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these accounts as soon as possible : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Bank XXXXXXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Vance & Huffman for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. There is inconsistent information such as the date last active. XXXX is reporting XX/XX/year>, but this account has not been active in years. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but Vance & Huffman has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, Vance & Huffman has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within 15 days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code XXXX. I have also submitted this complaint to my State Attorney General 's Office and XXXX XXXX XXXX XXXX for further action.
Product: Debt collection

Bought a vehicle back in XXXX under XXXX who recently has a class action lawsuit. The vehicle was repossessed in XXXX  and I have been trying to dispute this off my credit because it has been sold to different collection agencies. This bank was taken to court and under the class action lawsuit even though the vehicle was sold they are supposed to take care the deficiency of the balance to XXXX $ I demand this be taken off my credit report attached is proof its supposed to be off my credit. I am being over charged with fees seems every week or month!
Product: Credit reporting or other personal consumer reports

I have been trying for a few months now to get an inaccurate hard pull credit inquiry off of my reports. I have never heard of the company, nor have I needed a mortgage in the recent past. The company sent me a form letter back with a print out of some internal emails that they claim validate the inquiry. 
Once again, this is not something that I initiated or was interested in. In short, they either have my information in error, or somebody called in and stole my identity. 
Regardless, it needs removed ASAP.
Product: Credit reporting or other personal consumer reports

All payments were made to XXXX XXXXXXXX XXXX XXXX within 30 days. I have all my payment confirmations. XXXX has reported that I have paid late on six occasions ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). information was only reported incorrectly to equifax and XXXX, XXXX is correct. I have reached out to them regarding this issue on 3 separate times. And no replies or information were ever provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes that will delete all inaccurate information on my credit report with transunion. please review an delete all information listed. this has caused alot of delays in my file. this has been an reoccurring matter that needs to be corrected please delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a theft robbery and burglary cases involving me lately. My XXXX   XXXX me with XXXX and XXXX my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an XXXX took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX and a numerous others. Please as she remove these negative items.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XX/XX/XXXX and XXXX XXXX account XX/XX/XXXX showing in collection which was paid off immediately. I was not aware of the amounts I owe due to the address change and never received the bill. I would appreciate it to be deleted as a collection accounts.
Product: Credit reporting or other personal consumer reports

Inaccurate late payment status reporting. 
XXXX : XXXX Loan Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Opened XX/XX/XXXX. 
Under XXXX ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. 
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you XXXX credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all XXXX credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from transunion on the countless requests.