23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested the removal of these inaccurate accounts. According to the law, they must be removed.
Product: Credit card or prepaid card

After reviewing my account I noticed that my statement for XX/XX/XXXX was not on the website. The website clearly states that it maintains 13 months of statement on the site. I contacted them in early XX/XX/XXXX for them to add this statement. I was told by customer service this would happen, however as to date, XX/XX/XXXX still does not appear on my account. 

My second issue is, I took out a {$100.00} cash advance in XX/XX/XXXX. They were continuing to charge me a cash advance fee until XX/XX/XXXX. When I informed them of the issue, I was told that they would only reimburse the current and previous ' month 's fees. I do not believe that to be accurate and I want my account adjusted for the fee.
Product: Money transfer, virtual currency, or money service

My XXXX smartphone, cash and social security card was stolen from my residence on XX/XX/2023. The person who stole the phone then used my phone to make four unauthorized transactions on Cash Appbfor {$220.00}, {$280.00}, {$100.00} and {$140.00} totaling {$740.00} to their Cash App account. I sent a message to Cash App support via chat because they were closed via phone support because business hours from my son 's device that evening to report the unauthorized transactions. I called first thing XX/XX/2023 and they immediately said my dispute was denied after their investigation but there was no investigation. I have repeatedly reopened this dispute and have provided more than enough documentation to support my claim. I have provided a XXXX XXXX XXXX Police Report as well as report with the Federal Trade Commission. I have pressed charges and the person who is responsible has been charged with Identity Theft-felony. That was my rent money and we are now facing eviction. Cash App has mislead me but I didn't realize that was what they were doing until later. Nobody will help me at Cash App and there is no head department to report to. Thanks.
Product: Credit reporting or other personal consumer reports

I asked for verification of debt and review of evidence submitted of inaccuracy on credit report. As per court order I vacated residence and my only obligation to was to pay for court costs, both parties agreed and order was final.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses on my report I have never lived at or are not associated with in anyway. Im nervous of identity theft. The only address that should be on my report is on my drivers license.
Product: Debt collection

Prior to the following noted date, I had received multiple emails containing exactly the same information. On XX/XX/year>, I used a link embedded in that email, sent to me directly from the Zwicker & Associates, PC. It was stated, in the body of the email, this link address would redirect me to their website XXXX XXXX and allow access to alternative repayment options. However, access to this alleged XXXX XXXX, via their website, was blocked by my malware protection application, which is installed on my computer system. Zwicker & Associates, PC had employed the use a type of phishing method or process to acquire my personal and private financial information, without my knowledge or permission. This was a very bold attempt to infect my computer with malware in order to possibly obtain my bank account numbers, credit card details, login credentials and any other very sensitive data. My antimalware software installed on my system, and in my browser, prevented me from being Zwicker & Associates, PC next victim of this very serious cybercrime attempt. 

Zwicker & Associates, PC clearly violated the provision in the Fair Debt Collection Practices Act, section 807, False or misleading representations ; violation example number XXXX, the use of any false representation or deceptive means to collect or attempt to collect any debtor to obtain information concerning a consumer. They misled me by representing the link to their Payment Portal as safe and virus free. Then, attempted to deceive me, by offering a means of accessing alternative repayment options, knowing that link would download malware onto my computer hard-drive, and subsequently steal all of my personal and financial information for their client, XXXXXXXX XXXX XXXX XXXX. Zwicker & Associates, PC appear to possess the characteristics and furtiveness of the worst thieves in the XXXX century, cyber thieves. In addition, Zwicker & Associates, PC stated, in documentation, their client is XXXX XXXX XXXXXXXX, and they are not the Plaintiff in any action. Therefore, the only logical assertion : XXXX XXXX XXXX is aware of Zwicker & Associates, PCs cybercrime practices and were in collusion to steal my most personal and financial information.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ XXXX Opened : XX/XX/2013
Product: Credit card

I made a purchase through PayPal which I expected to go onto my regular credit card like all of my prior usages of PayPal, but instead I was given a PayPal Credit account. Also, a monthly payment I had begun to XXXX XXXX was billed to this PayPal Credit account ( the following month, and ever since, this XXXX fee has been correctly billed to my credit card ). When I received the first notice that I had a PayPal Credit account, I immediately wrote PayPal that I did not want such an account ; they replied by telling me what a wonderful account it was. I was then out of the country for 6 months. Upon my return, I find that original purchase of {$6.00} ( plus the XXXX charge of {$21.00} which was wrongly billed to this account ) is now considered to be a debt of {$170.00} and has been turned over to a collection agency. I called PayPal and they said that there was nothing they could do. They are deceitful crooks. I refuse to condone this obscene usury and will never pay these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on multiple occasions now via online, fax, and mail requesting a security freeze be added to my credit file, and they are repeatedly finding ways to intentionally circumvent my request. These range from stating that the documents I have sent to them are illegible to not being able to verify the information provided matches the information in my credit file. They are refusing to assist further with this issue or comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX  sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX when I already showed them proof of this account was no mine
Product: Vehicle loan or lease

Dear Ally Financial XXXX XXXX Department, My name is XXXX XXXX XXXX XXXX, and I am the co-signer of this loan. For about a year I have tried to contact this company 's different phone numbers without getting any help at all, they just transfer me to a different numbers. I've called like XXXX different numbers. Let me briefly explain the situation ; In XXXX, a loan was requested by my sister XXXX XXXX XXXX XXXX as the main beneficiary and I, XXXX XXXX XXXX XXXX, as the co-signer. 

Due to financial difficulties, my sister had to carry out the bankruptcy process which was processed in XXXX XXXX The balance was deleted from XXXX 's credit report but was transferred to my credit report which has been affecting me during years. I have tried to contact you to see my options since I am in my best position to fix the situation and pay the pending debt of {$17000.00} dollars, but no one can help me, they just transfer me to different numbers without getting help or any solution, I sincerely feel frustrated and desperate, I'm tired of this. 

The account number for your reference is XXXX XXXXXXXX. Please find vehicle information : XXXX XXXX XXXX XXXX # XXXX Please contact me in order to proceed with a solution, as I mention I am in my best position to fix this situation.
Product: Credit reporting or other personal consumer reports

For the month of XX/XX/XXXX and XX/XX/XXXX I have sent supporting documents to show that the payments were not late. Based on consistent reporting pattern, each months payment has historically been reported the following monthfor example : XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX. 
However, this pattern was not followed for XXXX and XXXX. XX/XX/XXXX was reported as late to the credit bureaus on XX/XX/XXXX, and XX/XX/XXXX was reported late to the credit bureaus on XX/XX/XXXX, resulting in late payments on my credit report. The agency needs to review the documents I submitted and update my credit report accordingly. I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account/ Loan # : XXXX This account is currently reporting inaccurately. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ) File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

For over a year I have requested American Credit Acceptance XXXX holder to release a title to XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of registering the XXXX XXXX XXXX which is held as a lien with American Credit Acceptance. 
By law for a XXXX county resident in the state of Florida it is illegal parking a vehicle without proper registration in the street or driveway even if the vehicle is broken down and disabled to drive. I have sent XXXX written requests directly from the XXXX XXXXXXXX an agency that works with the data base of law enforcement to insure no criminal activity takes place when registering a vehicle XXXX XXXXXXXX according to their laws and regulations has issued me XXXX consecutive months of temporary registration and can not by its own law issue another one. I have sent the requests to the title department of American Credit Acceptance after speaking with XXXX and XXXX. Phone number XXXX. American Credit Acceptance XXXX holder has numerously disregarded the XXXX XXXXXXXX registration requests of sending the XXXX XXXX paper tile or electronic title and by doing so the XXXX holder placed itself in violation of Florida Law. A Florida resident must register a vehicle or the vehicle will be ticketed accumulatively and the driver will have tickets going against the Florida license ultimately leading to suspension of the Florida Drivers license. I have also placed several verbal requests with the lien holder without a positive result. It is obvious that the American Credit Acceptance is refusing to send the title by law to the XXXX XXXXXXXX because of XXXX reason only which is that I have stopped payments on the vehicle as I got sick and was hospitalized not being able to make a payment and the loan has been written off. I have provided the proper location of the vehicle which is not drivable and the lienholder American Credit Acceptance has failed to pick it up causing me legal ramifications as the unregistered vehicle is violating the city ordinance and costing me thousands of dollars in penalties. America Credit Acceptance should provide the title to XXXX XXXX  by law allowing me properly to register the vehicle so its legally parked and then American Credit Acceptance could still pick the vehicle up as it sits broken down. I am respectfully asking for help for the Florida law to be respected even by as huge landing institution such as American Credit Acceptance as no one should be above the law. If I can not resolve the issue of the title to be send to XXXX XXXXXXXX by XXXX XXXX XXXX to further protect myself from being penalized by XXXX XXXXXXXX XXXX assigning tickets to the illegally parked XXXX XXXX XXXX by not having up to date FL registration, I will have no choice but to file a complaint with the proper courts of jurisdiction to decide on this matter.
Product: Credit card or prepaid card

I called many times to Bank of America and sent many times whatever documents they asked. I told them I did not authorize or sign any documents or receipts. Totally fraud transaction. Please help us to sort out these issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 joined XXXXXXXX XXXX XXXX in XX/XX/XXXX on XX/XX/XXXX. When my contract expired, one year later, I contacted management of my intention to cancel my membership. I was told that I needed to follow their cancellation policy stated on my contract. 

Their membership policy requires Certified Mail, receipt requested notification. I sent them a certified letter of my intent to cancel my membership immediately on XX/XX/XXXX. I have signed proof that they received my request, dated XX/XX/XXXX Phone calls and E Mails that I have made netted no results, their billing continues. 

XXXX XXXX XXXX continues to charge my credit card a bi monthly charge of {$20.00}. I've disputed this charge with my bank. I cancelled my credit card as well. Somehow, XXXXXXXX XXXX XXXX has been able to charge my newly issued credit card for the bi monthly dues. I have not authorized them to make any charges to my account. Nor, do I receive or use their facilities. 

I hope you can help resolve this issue. 

Thanking you in advance. 

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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, security credit serv ac # XXXX date opened XX/XX/XXXX, XXXX funding ac # XXXX date opened XX/XX/XXXX, finwise/aff ac # XXXX date opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 




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Product: Student loan

I have been paying my loans and have bank statements as proof of payment. I have not been reimbursed. As per Navient company they have not received any payments since XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. Please delete these inquiries immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I believe it is unfair that transactions were authorized when my account had sufficient funds, yet subsequent charges or issues have caused problems with my account. This situation has caused confusion and financial difficulty, and I respectfully request a thorough investigation into my account activity to ensure all transactions were processed accurately and fairly. I trust that Navy Federal Credit Union will review this matter with care and provide clarification or resolution as needed.
Product: Mortgage

We have our mortgage through NewRez, and we have an escrow account with them to pay our taxes and home insurance. We have never missed a payment. Last XXXX, we received a notice of cancellation of insurance from XXXX. We called and they inform us that they didn't receive a payment from NewRez. After a long run around, we did a conference call with XXXX and NewRez where the agents from both companies exchanged information. Due to the time constraint, NewRez asked for an overnight address to send the payment before the deadline of XX/XX/2020. After a couple days, we called and we were informed that it was processed. We started a refinance with NewRez in XXXX, and today we received an email from the processor that we have no home insurance. We called and stayed for over 3 hours on the phone, they finally found out that the payment was sent to the wrong place and it was cashed but not applied to our account. We found out that NewRez has been charging Forced Mortgage Insurance since XXXX even though they are the ones all along with XXXX who messed up this whole thing. We called today and paid out of our packet for a home insurance to cover our property. since it will not be resolved quickly. We are baring the loss that we have to pay extra for failure to pay our previous policy ( even though as costumers we were dragged between the two, each one of them is pointing finger at the other ). All XXXX could say is, due to COVID all this happened and no one is assuming responsibility for this deceptive and abusive service ( as described by XXXX XXXX ).
Product: Debt collection

RSI ENTERPRISES IS TRYING TO COLLECT XXXX DEBT FROM XXXX XXXX XXXX, THAT HAS A BALANCE OF XXXX THEY HAVE ENTERED XXXX SEPARTE COLLECTION REPORTS OF XXXX,XXXX,XXXX AS OWED ACCOUNTS. I HAVE A STATEMENT FROM XXXX XXXX SHOWING XXXX, THIS BALANCE IS FROM MY HEALTH INSURANCE COMPANY FAILURE TO PAY THEM.