23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit card that I originally had from XXXX  XXXX went into collections however they sold my information to a different agency which contacted me to settle and pay off this debt and was told that this account would be reported paid and closed this account I made the payment in full. The credit bureau has now updated a report this inaccurate account as a charge off has if it as never paid this account.I reported this as a disputed to the credit bureau asking them to investigate this matter according to them they said that they have investigated and they have completed their report and they have updated my credit information that I failed to pay. I contact original creditors they told me that the creditors that they sold my information to has this account I called that creditor they said yes they do have it that I did pay and settle this account and it was not a charge off and they reported that to the credit bureau however the credit bureau has now updated this Inaccurate information to my credit report this account is viewed as failure to pay and now as a charge off. I responded to the credit bureau to have them update and do another investigation to update my credit report.I paid off a lot of my debts assuming my credit report and score would change. This account has been paid off for two years now. Credit bureau is reporting on some of my Credit report that some of my accounts are paid but I still have not gotten a score in four months.which is now costing me financially with a higher interest rate. Please help me with this manner thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit card

I applied on XX/XX/XXXX. I was advised to remove the credit freeze, which I promptly responded to within XXXX hours. I have made numerous calls beginning XX/XX/year>, and XXXX, with my last call on XX/XX/XXXX. I can not get a person to assist. No one at the call center level has authority. One associate advised me that " no humans '' make the decision. The system does. I was advised to re-apply because of a " system '' issue. 
Applying multiple times for credit adversely impacts my credit score. I should not have to " re-apply '' due to Capital One 's incompetence and/or system errors. Capital One should hire humans to make credit decisions, not AI or the " system. '' As of the date of this complaint, the decision is still " processing. '' Application ID-XXXX. The time to a decision has been unreasonable. Capital One has had the information it needed to decide within XXXX hours of the application.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.
Product: Student loan

NOTE : THIS IS NOT A DUPLICATE DISPUTE>>>>>>>>>>>>>>>>>>>>>>>>>> This loan servicer made erroneous adjustments on my loans and is refusing to fix the problems after my numerous attempts to resolve. In XX/XX/2018 they made an error and converted the payment deferment status into a repayment status on my loan # XXXX. This made the payments became due immediately instead of due in 4 years after my child graduated. 
I never asked for these adjustments and I never signed a contract waiver agreement to make changes to the loan. Additionally by XX/XX/2018 on my other loan # XXXX that is in repayment status, they removed without prior warning the Direct Debit Auto Payment plan then removed the .25 % reduced interest and increased the rate to 7 % higher. 
Full disclosure, due unforeseen financial circumstances by XX/XX/2018, I filed a chapter XXXX reorganization petition however these loans are not included and I have been paying these loans on time as agreed. This is an unresolved petition and should have bearing for the adjustments that's being made on the loans of removing the payment deferment plan or removing the Direct Debit Auto payment plan ; on the contrary, these are the types of options that should remain to help. Lastly to add more injury, even though I pay on time they are reporting to credit agencies that the account is in an adverse default status. 
I am trying to honor my payments contract agreements however this loan servicer is making it very difficult by making unwarranted adjustments and false credit reports that's causing unnecessary problems.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was interested in a potential HELOC and entered requested information on XXXX XXXX. I have received multiple phone calls and text messages bidding for my business, but was unaware that sensitive information was sent to all of them. One of the lenders has an agent that sent me a message. I perceived as threatening when he stated I can save you money. I dont know why you wont call me. I have your Social Security and birthdate. I dont know why youd put that on the application. he then proceeded to tell me that all of the lenders that received this information have the same. He is very persistent and unprofessional, and now I have concerns that other businesses could potentially use my sensitive information for nefarious purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquiries and a account I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX LOOKS LIKE IT'S FROM XX/XX/2017 WITH A BALANCE OF XXXX, REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I deny the accounts below are my debts, I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. 
XXXX, XXXX, and Transunion are reporting XXXX accounts with XXXX XXXX that are not mine, evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me and XXXX has not been established disclosure creating credit or specific information such as the original contract with my signature for XXXX XXXX XXXX XXXX, supposedly agreeing to the account or payment terms. As a result, this reporting fraudulent accounts and information on my credit report provided by XXXX XXXX XXXX Automated Customer Verification Information only. The credit report they are reporting under my social security number is inaccurate and procedures were not done to ensure maximum possible accuracy per FCRA 607 ( b ) 15 U.S.C. 1681 et seq. 
I admit that I am victim of identity theft, thus filed an incident report with my local Police Department XX/XX/XXXX case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report all which have been disclosed to XXXX, XXXX, and TU. 
I admit that this has caused me mental distress because of humiliation and embarrassment ( court date XX/XX/XXXX ) good standing credit accounts closed, and lowered credit score which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and physical stress as she is a XXXX patient receiving XXXX for health treatment during these correspondents with XXXX XXXX and all XXXX  credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ). I have no knowledge of the account below or contractual agreement with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

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 proces 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 XXXX  have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit card

On XX/XX/year>, I placed an order on XXXX for an amount of {$64.00} for an electronic component to be shipped to me through USPS Economy. According to the website, orders are typically sent within two to three business days after the payment is processed. After waiting 17 days with no shipment, I contacted the only support option available on their website, which was their email. I did not receive a response. After realizing the company will likely never ship the product or refund the amount, I contacted my banking provider to begin a dispute with the aforementioned information on XX/XX/year>. On XX/XX/year>, I received a notification my dispute was denied because no billing error occurred.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, you have 24 hours to reply to this NOTICE! 

There has been great fraud with XXXX not able to do business in California from XX/XX/XXXX to XX/XX/XXXX and the DOT was in XX/XX/XXXX which made it void and was not a deed of trust it was Void from the start, and Forgery of my name on the 1-4 rider and won by default in court by way of no Jurisdiction case dismissed. Everyone including XXXX XXXX XXXX XXXX of yours has been involved trying to foreclose on a non existent DOT. 
I am of need for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. 
There are many arrest WARRANTS issued of 42 Individuals so far with a bill by notice of default sent to 5 different Agency 's Including : Donald Trump, DOJ, GAO, U.S. MARSHALL, SHERIFF DEPT., and now Donald Trump is reorganizing this site as well with the CEO stepping down. see notes to all of the 3 Companies that are doing the fraud, and have no problem issuing more WARRANT AND DEFAULTED BILL TO ANYONE WHOM IS INVOLVED AS A 3RD PARTY COMMITTING FRAUD AND KNOWINGLY OF THE FORGERY. 

notice to and other Agency CEOS ... XXXX XXXX XXXX CEO or Vice President of XXXX XXXX You have 24 hours of this Notice to reply from today 's date as you have not responded in the time allowed previously, please see attachments. XXXX XXXX XXXX NON DISCLOSURE!!! ALL RIGHTS RESERVED ( XXXX : see link above. ) XXXX XXXX as acting as TRUSTEE AND XXXX XXXX XXXX XXXX. AS WELL AND SERVICING AGENCY AS SERVICER is in collusion all together to try and pillage the lands and properties of XXXX, XXXX and many others across the lands, This is in Collusion with ... ... ... ..No Abandonment claim nor right to Service, XXXX XXXX XXXX XXXX  XXXX can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and XXXX XXXX Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages , installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortgage Violates 1122 AB under the SEC ... DIVEST YOUR SELVES YOUR BOTH ON NOTICE AGENT TO PRINCIPLE, PRINCIPLE TO AGENT Also the UNITED STATES TREASURY HAS MY ENDORSEMENT PAY TO THE ORDER OF AND XXXX XXXX XXXX FOR DEPOSIT PAY TO THE ORDER OF ENDORSEMENT ( V.C. ) AS OF 2 WEEKS AGO APPROX AND DELIVERED. ONE MORE SHALL GET IT ... THANK YOU FOR YOUR BUSINESS.
Product: Credit reporting or other personal consumer reports

Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US DEPT OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

I have in formation from XXXX XXXXXXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX that does not belong to me. I checked my credit report and saw that an open account from 2018 is on my report. According to the FTC, a company can't report or publish false information to harm my credit or collect a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly. 
FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

What happened This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX,, an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and an auto loan opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX under the account number 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. Further these accounts are now considered in litigation. 

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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 



Hard Inquirers : 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
Product: Debt collection

I have been for many months receiving multiple calls daily ( without any message being left ) from a company that identifies itself as Portfolio Recovery on my answering machine. I have not spoken to them, but after checking the Internet for information about this company, I learned they are supposed to be a debt collection company. I am quite sure I have no outstanding debts, but nevertheless prefer not to engage a robocalling agent over this matter. If this were a legitimate claim against me, I believe the company, or its attorneys, would have contacted me in writing. Instead, they choose to harass me at all hours of the day.
Product: Credit reporting or other personal consumer reports

Account open dates is incorrect, payments history is incorrect and not enough payment history being provided with certain dates, therefore total amount owed is incorrect and can not be accurately verified as factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of educationXXXX XXXX XXXX XXXX USDOE/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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: Credit reporting or other personal consumer reports

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Product: Debt collection

The company, DBA Worldwide Financial Services, subsidiary of World Finance and entity of World Acceptance Corporation located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX calls 3 - 4 times daily with aggressively toned verbal demands that I contact their customer and instruct that customer to call them immediately. Apparently, their customer included my name and number as a secondary contact on his personal loan application without my knowledge or consent. I did not authorized their customer to list my name and number on his application and I explained to the company that he is less than an acquaintance to me and that my name and number should be removed and they should immediately cease contacting me. I have called World Finance by phone three times dating the same information and making a request to ceased contacting me and sent three emails to which replies or received standing later resolve the problem over 2 months ago. I have never been a customer, in any capacity, of of this company or it's affiliated entities.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with XXXX. XXXX XXXX account : # XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I attached a 1099-C ( Cancellation of Debt ) from XXXX XXXX in regards to the following charged off account listed below. XXXX XXXX XXXX. XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$620.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Product: Credit reporting or other personal consumer reports

I have sent out letters numerous times to the credit reporting agencies to change my personal information. The only name that should be on my credit report is my one and only name. the only address i can receive mail is my address which is on my Drivers License which i also sent in photocopies to the credit reporting agencies. I don't want to list any employers on my consumer report nor do I want my social security and date of birth on my report for privacy reasons. Also i have 1 phone number all other phone numbers are inaccurate which is a violation.