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

I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a personal loan with Upgrade and can manage that but they have another product called Upgrade Card, which is a line of credit and not a credit card. The payment changes monthly and only increases so is like XXXX and has become egregious and unmanageable with interest at 25.99 %. I called to see if there is a more manageable payment but they could not help me, so I will be paying a payment of {$220.00} for 37 months ( the monthly payment changes daily as I looked earlier this week and payment for XX/XX/XXXX was {$210.00}. This is a very dangerous " card '' as the payments are variable - I was not aware at the time of applying how bad this card is. I have been helping my son and family during COVID-19 and took loans to do this, along with doing all I can. I've asked Upgrade for a lower interest rate and reasonable monthly payment and was told they don't do this. And their COVID-19 " help '' is of no real help and I don't want this. I believe the Upgrade Card is a bad vehicle with very high interest rates. I'm not eligible for any loans at this point and I have cut up the card will pay the debt down with Upgrade. They are like many other on-line loan service companies ( like XXXX, etc. ) but they do not care if one makes payments on-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. Identity Theft XXXX Account Number : XXXXXXXX Please remove it from my credit report.

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

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

In accordance with 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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 opened a XXXX XXXX card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. XXXX did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with XXXX the account declined. While I was informed that no payment for fraudulent charges were due, the account reported 30, 60, and 90 days late and accumulated interest. 

XXXX charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a 1099C. 

I was powerless against XXXX because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. 
I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that XXXX agreed to remove the adverse reporting. 

However, I was deceived as XXXX never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in XXXX policy to remove items ''. I've argued my case before XXXX XXXX member services, XXXX credit reporting department and the XXXX Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. 

There are no case numbers to show that XXXX even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. 


Formal Request- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Card Member Service XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. XXXX XXXX XXXX VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$49000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, XXXX, Experian ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called Experian, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore Experian is not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, title 15 USC 1681b ( a ) ( 2 ) Equifax Information Services LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX XXXX XXXX Account Number XXXX without my written instructions nor lawful consent. According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from Equifax Information Services LLC willfully noncompliance of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of XXXX XXXX XXXX. Upon reviewing my credit reports, I have identified discrepancies in the information provided byXXXX XXXX XXXX  across different bureaus, particularly on Experian, XXXX, and XXXX. 
On my Experian report, there is an indication of a past due amount of {$64000.00}. Such report raised serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations by the IRS, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing.

Also it is illegal to report transaction history Per 15 U.S.C. 1681a section ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s-3of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Because of this law, all late payment reports are illegal especially since the account has been charged of. the account should reflect PAID AS AGREED. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate measures to rectify the inaccuracies in the reporting by XXXX XXXX XXXX. Your prompt attention to this issue is greatly appreciated, and I trust that it will be resolved in accordance with the established regulations.
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without 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 items of information, other than records of convictions of crimes which antedates 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: Bank account or service

On XXXX XXXX, 2015 we went into the Chase Bank branch in XXXX XXXX, CA to open an account for our new business. Initially after meeting with the banker at the branch we were given account materials, debit cards, etc ( Act # XXXX ). Apparently, after whatever internal review, the next day, Chase decided that they " no longer wanted to do business '' with us. That is understandable, and acceptable, and that of course is their right. However, what we are quite concerned about is that the bank was willing to provide us with a notice of adverse action. In addition, we received a letter dated XXXX, XXXX, 2015, that suggested that we would be subject to " negative credit reporting '' due to transactions/our relationship with the bank. In this situation, it seems that there in essence was not a relationship with the bank, but rather a " no harm, no fowl '' type of situation. It was our understanding that the account was closed. Upon further review it apparently is not. We then went to the branch on XXXX/XXXX/2015 and demanded that our account with them be closed immediately, and any reporting state that the account is closed by us. We do not wish for the account to remain open, and do not wish to wait for Chase 's internal system dictating to us when the account will close. This is a DDA, and therefore we have the right to ask that it is immediately closed. 

In addition, we are asking for insurance that since there were not any negative/fraudulent activity on the account, that any negative reporting not take place
Product: Student loan

I have had many problems with Wells Fargo disbursing the correct amount of tuition I asked for in my loan. They are expecting me to apply for a second loan when I only asked for one loan from the beginning. I have had to call many times due to incorrect dispurment of school funds and I even got a late fee for tuition in the 1st semester. It does not make sense to apply for two different loans in the same school year and that 's what they are trying to make me do. Wells Fargo never got it correct from the start and it has been extremely frustrating dealing with them over the phone. I am not capable of going to school for my second semester because they are not disbursing the correct amount. They are not being of help and I have talked to more than 3 representatives and an executive about the problem. I finally spoke to a respresenative on XX/XX/2017 who understood my situation and he explained that he would speak to my lender and have an answer for me by XXXX on XX/XX/XXXX. I never receive anything from him and I was forced to call Wells Fargo to check in on the loan process once again. The women I spoke with told me the male agent was not in the office today, when I was expecting a call from him because he told me he would inform me.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, after an ongoing battle with Paypal, who removed funds from my account for an un-shipped item that later proved to be out-of-stock and is trying to keep those efunds for weeks, I received a notification that my funds were finally available. 

When I logged into my account, I found a claim that the funds were refunded to my debit card. These funds have still not been returned to my bank, nor are they available via the Paypal interface.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had hit me and totaled my car. the insurance company bouhght the car and paid for the car the the XXXX XXXX XXXX and they are refusing to take my name of even though the car and title are out of my name for 2+ years.
Product: Debt collection

This company no stop calls me almost daily! I and my wife have both asked them repeatedly not to contact us by phone only to contact us in writing. We both receive calls almost daily! If the cant get me they try my wife then call Me back! It is out right harassment! They keep threatening to place the item on credit report! I and my wife had told them go ahead! They keep calling non stop! We have told them several times no contact butnin writting. They keep calling
Product: Credit reporting or other personal consumer reports

I have filed for bankruptcy 2 years ago and the accounts are still showing past due and show balances. They were all included in bankruptcy which discharged the debt
Product: Mortgage

REVISED : My loan had gone into default. Select Portfolio Servicing , Inc. sent a letter to my homeowners insurance company stating that my mortgage was in default and foreclosure actions were being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete breakdown of where my monies were applied, i.e., how much went toward mortgage payments, late fees, and all other charges. 

My insurance company at the time, XXXX XXXX XXXX. XXXX ) requested proof that my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me the proof when I requested. My insurance agent, XXXX XXXX ( XXXX ) also called SPS to request the information and she was also denied the information on XXXX XXXX, 2021. SPS ' attorney never sent me any information either. If SPS  would have provided me with a letter, or XXXX to my insurance agent, my policy with XXXX XXXX would not have been canceled. SPS did not provide me the information for the insurance until after I filed my first complaint. Now SPS is charging me {$510.00} for their policy from XXXX XXXX, 2021 to XXXX XXXX, 2021. My policy with XXXX XXXX was canceled because of SPS ' refusal to cooperate and provide information in a timely manner, all the while making a profit. 

I lost my policy and now XXXX XXXX XXXX XXXX will not reinstate it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK- XXXX, XXXX XXXX. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXX STATE PRISON, XXXX XXXX STATE PRISION. 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.
Product: Credit reporting or other personal consumer reports

Hi there, this is XXXX, and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. 
XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX  : Account number : XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Debt collection

Portfolio recovery, a debt collection agency, could not provide the original contract from the original company. They are misrepresenting themselves as the original company. They are reporting that these are open accounts. They have not proven that these accounts are mine. They have dismissed my report of identity theft. 


PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$5600.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$5800.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$6200.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY