23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have previously submitted a certified on XXXX XXXX, XXXX letter which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate, incomplete or erroneous. 
The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no account information in XXXX and from XXXX, XXXX and no information in XXXX. 
The account also lists no balance or past due balance or charge off amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed XXXX  XXXX  Experian & other third parties like XXXX XXXX  regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX XXXX XXXX ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from XXXX  shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on my Transunion report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show XXXX and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full.
Product: Mortgage

Hello, I purchased a home in XXXX of 2020. My original loan documents, my closing disclosure had a monthly payment of $ XXXX/month. For the 1st year I made the payments of {$1200.00}, but over the course of the year my loan was transferred to multiple different companies. It is now currently with ESSEX MORTGAGE, and recently they reached out to me stating that my monthly payments would be going up to $ XXXXmonth. I reached out to my city, which is the city of XXXX, GA. They told me that they don't see any significant change in my taxes. My mortgage company is telling me that increase is due to my city 's taxes going up & my insurance payments increasing every month. I'm insured through XXXX, but they stated that my annual premium actually down. None of this information was given to me.
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 Trainsfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Hello my name is XXXX XXXX and in the past 5 years, I have been diagnosed with XXXX , had XXXX major XXXX, XXXX XXXX XXXX, a broken XXXX and endless physical therapy. 

I got in touch with my student loan lender Nelnet to have my loans forgiven seeing I can't complete the degree I was going for. This started on XX/XX/2018. I was assured by a representative named XXXX that this request was being taken care of since my XXXX  dr. had sent in my XXXX paperwork to them and I'm on permanent XXXX. 

I called to see why the loans were still on my credit report and was told by a smart elic, XXXX that my loans were not in discharge status and I had to reapply. If this was so important then why are my loans just sitting in the forgiveness department not being noticed? I am tired of dealing with this bureaucrat system and want this taken care of as soon as possible. 

XXXX XXXX XXXX
Product: Student loan

Navient 's Office of the Customer Advocate promised to lower my private loan payments to approximately $ XXXX in XXXX 2015 by extending the terms of my student loans to XXXX years ( up from XXXX ). Last month, my payments were raised to $ XXXX with no warning or notice from my servicer. The interest rates have remained the same, but the agreed amount has been changed without my consent. This is the XXXX complaint I 've filed against Navient, the first was through the CFPB, then with the XXXX. Loan payment history in the online portal for Navient does not show sufficient information about the previous loan payments. The documentation attached to this complaint are screenshots taken of the ACH withdrawals made by Navient as well as a view of the Navient account history and how the payments were accepted without exception. MICR numbers can be provided at the investigator 's request to better correlate events as well as ensure that no screenshots are doctored or tampered with in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount
of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
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. 
- XXXX XXXX XXXX # XXXX - XXXX  XXXX Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX  Account # : XXXX - XXXX XXXX XXXX  Account # : XXXX - XXXX XXXX  XXXX XXXX, GA XXXX Removal - XXXX XXXX XXXX XXXX, GA XXXX Removal On XX/XX/year>, I reviewed my credit report and found that several items were reported as incomplete and inaccurate. Over the past seven months, I have sent multiple letters asking Equifax to reinvestigate these items. However, they have not responded to my request, nor provided the proper verification or updated my credit profile. Several items show different open and close dates, and inaccurate balances. According to the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

According to 15 USC 1681i ( 5 ) they are supposed to do this : 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that if the completeness or accuracy of any item of information in a consumers file at a consumer reporting agency is disputed by the consumer, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute. If a CRA wishes to reinsert previously deleted information, the person who furnishes the information must first certify that it is complete and accurate. 

I am aware of the lawsuit that the CFPB has filed against Equifax for improper investigations. I have been affected by Equifax 's handling of my investigations, as they did not comply with the required procedures. 

Equifax 's failure to conduct proper investigations and adhere to consumer protection laws has negatively impacted my creditworthiness, restricting my access to credit and affecting my ability to purchase or rent a home for myself and my XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX )
Product: Consumer Loan

On Tuesday XXXX XXXX I called an XXXX with a customer service representative and informed that I would n't be able to make my payment due to financial issue and I would make up the payment on my next due date which will be XXXX XXXX, 2017. The representative told me that would be fine and I should n't have anything to worry about, so on XXXX XXXX, 2017 this company attempted to take payment out of my account not once but twice after I informed that the funds would n't be available, which caused my account to go into the negatives and forced me to close my bank account. On today I spoke with a very rude representative at the customer service department, she was very rude, called me a liar and informed me that they would still attempt to take funds out of an closed account, along with contacting my references after I asked to have them removed. The rep hung up on me after requesting to speak with a manager. I also think the interest rate that they charge is absurd, ridiculous and illegal. The interest rate is at 285 % I 'm paying more than what I borrowed. I wish to not be contacted by this company again. Or I will seek legal actions!
Product: Debt collection

I never received any notification from Alco collections I noticed on my credit report must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following names reporting on my credit file are in correct : XXXX XXXX, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, Experian is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, 120 days late for XX/XX/XXXX, and XX/XX/XXXX. USDOE/XXXX  : XXXX is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX, Experian is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX, 150 days late for XX/XX/XXXX, 180 das for XXXX through XX/XX/XXXX, 150 days late for XX/XX/XXXX, XXXX is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, 120 days late for XXXX and XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX. XXXX : XXXX is not reporting any late payments, Experian and XXXX are reporting a current payment status but late payments of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX and XXXX is nor reporting this account. Chapter XXXX Bankruptcy : XXXX ( Account Number : XXXX ) and Experian ( Account Number : XXXX ) are reporting a discharged bankruptcy as XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints/disputes to XXXX, XXXX  and transunion in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I took a look at my credit report and found inaccurate information on it. One of them was a collection account from California Business Bureau. So on XX/XX/2021 I sent out a letter to them asking them to validate this account and to send me proof of the debt. I wanted them to send me proof that the debt was mine. However, in XX/XX/2021, they wrote a letter back stating, " there is no basis in law to substantiate your right to such information ... there is no duty to comply ''. I find this hard to believe since there are laws regarding this. I wrote to them again, however, I am submitting a complaint here because I do not want to be lied to by this company.
Product: Debt collection

a letter was sent to a family member 's house with the company name displayed, this is not my address
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was victim of fraud and instead of helping they made things worse would not refund a false transaction even though I was told they would and it would show up in 2 hours it never did and put my account on hold even though all I did was report the fraud I couldnt access my money make payments causing me to not be able to pay rent car payments credit card that are on automatic payments. 
Treated me the victim like I did something wrong. 
XX/XX/28 transaction for XXXX fraud more than it was supposed to be XXXX account on hold for all funds need my money
Product: Money transfer, virtual currency, or money service

Paypal placed a permanent account limitation, when my account had a balance of {$310.00} My account was deemed a " potential risk ''. Funds are stuck now On XX/XX/2020, Paypal placed a permanent limitation on my account. My account was found to have " Potential Risk ''. Upon calling Paypal customer support, I was told that I violated the Paypal " Terms and Conditions '' of the company. However, any details further than that could not be provided. The balance in the account is {$310.00}, which will be held for 180 days. However I had no problems at all with the account, until the permanent limitation came from nowhere. Now the funds of {$310.00} are being held for 180 days, for reasons that I still do not understand. Account was deemed a " Potential Risk ''. but I had no problems at all with the account. Now Paypal gets to keep my funds for 180 days. This is absolute fraud. Paypal is merely hiding behind the " Terms and Conditions '' of their accounts, upon opening one. Obviously the legal portion of Paypal, devised a broad way to limit people 's accounts. As well as holding their funds indefinitely for 180 days. This should be front page headlines, absolute theft.
Product: Debt collection

My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. XXXX ( after removing from credit reports ) sold the debt to Resurgent and they are going to report it. When XXXX sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. Resurgent told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to XXXX they used the social security number for my father. So he did n't steal my identity XXXX and Resurgence just used my information.
Product: Checking or savings account

By no later than XX/XX/year>, I requested that USAA issue to XXXX XXXX XXXX a " hold harmless '' letter to formally request that XXXXXXXX XXXX XXXX return {$11000.00} that XXXX XXXX XXXX had cashed ( to a third party ) based on a USAA check ( check XXXX XXXXXXXX, payable to me " and '' two other payees ), that was missing any signature or endorsement from one required payee and that also contained one forged signature in the name of a second required payee. 

On XXXX XXXX XXXX XXXX XXXX XXXX had acknowledged that cashing such check was an error that requires XXXX  XXXX XXXX to return the funds ( {$11000.00} ) to the " maker '' of the check, which in this case was USAA. To return the funds, XXXX XXXX XXXX said it required that USAA send it a " hold harmless '' letter. XXXX XXXX XXXX provided to me a sample " hold harmless '' letter, which I emailed to USAA on XX/XX/year>. 

Since XX/XX/year>, I have repeatedly requested status updates from USAA by phone and by email, but I have not received any updates -- when I have called by phone, the USAA phone representatives never know anything about any progress, if any, that USAA might have made in issuing a " hold harmless '' letter to XXXX XXXX XXXXXXXX. When I emailed USAA three times requesting an update -- on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the only response I received was an email on XX/XX/XXXX saying " I apologize for the delay, it is still under review. I will try and have someone reach out to you soon. '' More than a month later, nobody from USAA has reached out to me or provided any update. 

XXXX XXXX XXXX had indicated, on XX/XX/XXXX, that it would return {$11000.00} promptly upon receiving a " hold harmless '' letter from USAA. USAA 's two-month delay in even issuing the hold harmless letter, particularly after I provided USAA a copy of the sample letter that XXXX XXXX XXXX XXXX to me, seems inexcusable. USAA 's failure to provide any substantive updates on its progress or " review '' of my request is certainly inexcusable.
Product: Debt collection

On XX/XX/XXXX I sent a complaint via ( CFPB ) in reference to this alleged debt owed to XXXX XXXX in the amount of {$5800.00} from Midland Credit Management. I asked Midland Credit Management XX/XX/XXXX for legal validation of this alleged debt. Midland failed to validate this debt appropriately in accordance to federal law ( FCRA ) stating that this debt is just accurate. XX/XX/XXXX, I received letter from Midland Credit Management Legal Department in reference to the XXXX  XXXX account. Midland Credit Management indicates in this letter that I have until XX/XX/XXXX to pay balance in full or face lawsuit. I currently have on standby legal counsel awaiting the alleged lawsuit to come from Midland Credit Management as they continue to break federal law and violate consumer rights.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.