23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Credit Karma states they offer a loan guarantee. They will pay you {$50.00} if you don't get approved. They refused to pay me, twice. The second time they lied and told me I never applied through their website which was a blatant lie. I believe they are offering this {$50.00} guarantee fraudulently.
Product: Credit reporting

The issue is that XXXX, XXXX, and Transunion have not removed information off of my report that does n't belong to me. I started this process with them in XXXX and it is XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.
Product: Debt collection

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Product: Mortgage

Wells Fargo received a verbal appeal on XXXX XXXX, 2015. This was the only time we were given to verbally discuss XXXX mortgages with Wells Fargo underwriter at a meeting set up by XXXX XXXX. On this date Wells Fargo underwriter, XXXX XXXX, requested our appeal to be written. This written document was never reviewed. 
Instead of a response to our appeal, our modification that we had just finished all the trial payments on, was being withdrawn because we had appeal request. This is the second time Wells Fargo has withdraw our modification when we asked for a review of the information they are using. Our trial payments have been made on XXXX different modifications. They have been completed twice.
Product: Credit reporting or other personal consumer reports

I have been trying to get on the Transunion.com website to freeze my credit because I keep getting alerts that my Social Security is on the darkweb. I have tried to reset my password multiple times, and then I have used the correct/updated information multiple times to get into my account and can not access my account in any manner. Even after chatting with a customer service person for an hour, they were able to do nothing and then disappeared. 

The inability to protect myself when it comes to my credit seems incredibly dangerous, and the website checker I used said the site has been down for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

account XXXX date opened XX/XX/2008 is over 7 years old and is still reporting and hurting my credit. 

They also broke federal law 15 USC 1681a ( d ) ( 1 ) for the reasons above we insist the removal of these accounts from my credit for it is breaking federal law for me as a consumer of the United Sates of American.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report today I notice a bunch of unauthorized Inquries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I disputed charges and Bank of America credited me the money only to turn around and close my whole account. Doing that also messed up my Unemployment claim and now i have 4 checks in the air. BOA did not even give me a chance to plead my case and show it wasnt me who made charges. Now they wil not talk.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX.15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Mortgage

all payments listed as late are covered by COVID contract signed and have to be set to on time for the 2 year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid multiple credit repair companies due to the Equifax Data Breach, exposing my personal information.
Product: Student loan

Hello, I am enrolled in the PSLF program through IBR. I had to refinance my loans with XXXX XXXX to enroll in PSLF, which charges high interest but I was hoping would be worth it. I have moved and taken dramatic changes in salary, as has my spouse. XXXX XXXX has not provided with me information to make sustainable payments according to my income bracket, and I can not afford to pay at all. They have been unresponsive to contact, and I have been forced to defer payments for the last 10 months waiting for them. They seem to lose my documentation or keep telling me to resubmit it again and again, although I have many times. All the while, they charge me the interest and it accrues while waiting for them. I am not sure how anyone can afford to get a Masters degree at all. PSLF was the only hope I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally complaint about EQUIFAX 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my EQUIFAX credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> BALANCE {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with EQUIFAX, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, EQUIFAX is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. 
Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to EQUIFAX.
Product: Debt collection

About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.
Product: Consumer Loan

I leased a car in XXXX. My down payment and first payment were billed to my credit card. I received a call in XXXX regarding non payment of my XXXX bill. I had several communications with ford credit regarding not receiving the invoice. I never received it until XXXX XXXX. I Mailed payment XXXX. They acknowledge receipt XXXX. I was reported to credit abuse despite my repeated calls. They also admit repeatedly that they have a problem with they 're " account manager " ( that still exists as of today ). I did n't receive an invoice for XXXX, but sent a payment which they acknowledge receiving. While the account overview states that my account is upto date and my next payment is due XXXX, the account manager and an invoice I received TODAY states that I owe payments for XXXX and XXXX and again threatens my credit. I have spoke to multiple " supervisors '' who have ensured resolution, but none has occurred. I spoke today to another supervisor who again acknowledged that the account manager is not working properly. The general manager from the dealer, who I have worked with has been helpful and equally frustrated about the lack of resolution. This should have been resolved long before now and my credit should not be threatened if multiple people at ford credit admit that they 're account manager is not working properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, refuses to correct the address that is listed as current address on my credit report. Equifax list an incorrect address as my current address on my credit report. I have lived at my current address for 22 years, my tax documents, drivers license, social security record, all reflect this, yet Equifax knowingly continues to report this inaccurate address on my report.When I apply for bank account they information that they are unable to verify my identity, because the information listed on my report does not match the information on my application. I have sent Equifax proof of my address, and they still refuse to correct my report. Equifax is willingly putting me at risk for identity thief by allowing false information to be listed on a resource that in commonly used by financial institutions to verify identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

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

I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I never receive my card and the Barclays because refused to provide tracking. 

I requested card tracking number but the Barclays refuse to provide, they declared due to the " policy '' they can not provide the tracking number. I don not understand why they can not provide the tracking number for card owner. it has been a more than a month waiting my card and after i requested new card the Barclays still not provide the tracking number. That's the main reason i can not receive the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Product: Credit reporting or other personal consumer reports

I'm contacting you in order to contest the continuous validation of a credit report account. Even though the supplied documents demonstrate that the information is wrong, no changes have been made, and the false information is still being reported as accurate.

This clearly violates 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that false information be looked into and fixed. I ask that you look into this matter again right away and either fix or delete the false information from my credit report.