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

XXXX  continues to list fraudulent inquiries on my Consumer XXXX report that I have already notified XXXX  were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as XXXX  on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things XXXX has refused to block. 

1. Illegal Address reported by XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX and XXXX Texas. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by XXXX  - XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
3. Illegal Inquiries that XXXX continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact XXXX. 
4. Illegal Inquiries - XXXX, Clarity Services - I have reached out to Clarity services, and actually had XXXX block Clarity Services Inquiries on My XXXX Credit report. Therefore Clarity Services has been notified that I did not allow or authorize Clarity services to access my XXXX  Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally XXXX has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to clarity services as well for follow up.
Product: Debt collection

I have shown proof of incarceration, providing proof that I was incarcerated during the time the XXXX account was open, but my dispute was denied stating that it was accurate. I was incarcerated from XXXX. My ssn and information was found on the XXXX ( See Attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} Equifax : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Product: Debt collection

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing XXXX XXXX score from increasing. The four companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX... 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX XXXX
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, on XX/XX/year>, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. As such, my account was used by an unknown user - showing frequent sales transactions and transfers to a bitcoin account. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

One of my largest loans is {$30000.00} that I took out in 2009 with a variable interest rate of 13.5 % this is without a consigner. This is the largest out of the {$87000.00} I owe without interest.. Now I must go back to school to try and get a job so I can try and pay off my debt before I die. I am unable to consolidate any of my private student loans because of the insanely high interest rate and my income is all tip based ( hard to guarantee how much I will make in the years to come ). I would love to get a job with the degree that I currently have but can not do so because minimum wage would not be able to support me and the over {$1000.00} monthly payments I will have to make to navient for he next 30 years. I just think it 's really funny how XXXX XXXX was able to sell off my debt to another company called Navient and I ca n't get them to lower my I interest rate to a single digit number like the government did with their loans. Navient or XXXX XXXX or whatever company holds my loans is the modern day loan shark. Right now I know I will never be able to buy a house or even get married. I thought going to college would help with my " American Dream '' but it has completely destroyed it.
Product: Money transfer, virtual currency, or money service

I am writing to express my extreme frustration and disappointment with Square, my account got deactivate On XX/XX/2022, I became aware that my funds totaling {$250000.00} will be held by Square for a period of 90 days, right now its over 18 months and my funds is yet to be released. 

As a XXXX XXXX, I have always relied on Square for its services, and this prolonged withholding of funds has caused significant financial hardship for me. Despite numerous attempts to reach out to the customer support team and follow the required procedures, I have received no satisfactory response or timeline for the release of my funds. 

This situation has not only impacted my ability to conduct business effectively but has also eroded my trust in Square as a reliable payment processor. I expect better accountability and transparency from a company of Square 's stature.

I want this issue to be investigated promptly and my funds released without further delay.

I look forward to your prompt attention to this matter and a swift resolution.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a Title Loan from Instant Cash Loans On Car Title, Inc dba LoanMax located in XXXX, GA. According to the receipts they provided, their reporting address for the payments I made towards my account is XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I obtained this loan back around XXXX of XXXX or XX/XX/XXXX. The loan amount was approximately {$2700.00}, upon receiving my taxes on or around XXXX of XXXX. I was informed by staff with this business that approximately {$3000.00} would close out my loan, which I was willing to pay at that moment. 

However, a management team member intervened, stating that I needed to pay approximately {$7000.00}. This was significantly an increased amount compared to my original pay-off amount that was previously mentioned to me without proper explanation. Unable to pay that amount, I made a {$1000.00} payment for my account and two additional payments ( {$73.00} on or about XXXX and {$690.00} on or about XXXX, attached documents ). However, the approximate {$900.00} payment that I made on or about XXXX of XXXX, I never received the confirmation of the payment from the business as I did previously. 

It is believed that this business purposely abused its business tactics to manipulate or take advantage of customers like myself fighting to survive in this economy. Placing obscene charges or fees on my account making it impossible for me to receive my title back. This has caused extreme mental anguish in my life. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX over this matter. My vehicle can not be properly registered now because the business placed a hold on my title preventing me from being able to drive, take my children to school, attend medical appointments, attend religious events, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per agreement, an American Express ( AMEX ) card debt was settle in full. AMEX reports the account as either " late payment '' ( Which it never was XXXX or " Charged Off ''. The report the same account in multiple months ( XXXX, XXXX and XXXX of this year ). 

This account was paid off in full as per their agreement yet I have to have the credit reports corrected every month. When I've contacted AMEX I get no answers or action on their part. 

This has cost me a great deal of time, effort, money, aggravation and frustration. AMEX KNOWS they are falsely reporting this information but they just don't care or worse yet, are malicious in their intent. This practice of theirs should be stopped and they should be fined for their illegal actions. 

As you will see by the attached statements, AMEX reported this as a " Closed Account '', a " Charged Off '' account and " Late Payment '' to the credit reporting agencies. Non of which was accurate and was reporting the same account multiple time ONLY to intentionally hurt ones credit.
Product: Mortgage

My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.
Product: Debt collection

I am writing to file a formal complaint against Experian regarding the inaccurate reporting of an account under the name XXXX XXXX on my credit report. I have reviewed my credit report and noticed that this account, with no associated account number, is listed under my name. This account does not belong to me, and I am requesting that it be investigated and removed immediately.I have contacted Experian directly regarding this issue, but there has been no resolution, and the account is still being reported. This incorrect information is negatively impacting my credit and severely affecting my ability to secure housing, which is crucial to my livelihood. 
I would like to emphasize that the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies, such as Experian, to ensure the accuracy and completeness of the information they report. According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute any inaccurate information on my credit report. Additionally, under Section 611 ( a ) of the FCRA, credit reporting agencies must investigate disputes within 30 days and provide a written response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from my bank stating that my score went down when I checked my report I found 2 fraudulent accounts on my report the first one was XXXX XXXX XXXX with a balance of XXXX the second was XXXX with a balance of XXXX also there is a hard inquiry from XXXX that should be removed
Product: Checking or savings account

I withdrew some money from a brokerage account ( XXXX ) of mine to my Chase checking account. The withdraw triggered fraud alert on the XXXX side and XXXX recalled the fund that already has been transferred to my Chase checking account. After a manual review with XXXX, they were able to determine that it is indeed me accessing my own money and the fraud alert was cleared. They returned the fund that was recalled from my Chase checking accounts directly back to me. 

However, Chase froze my checking account due to the fraud alert from XXXX side, and refused to unfreeze my account even after XXXX finished investigation and returned my money. Chase is withholding {$5400.00} of my money for over five months now.

I communicated multiple times with Chase, offered to submit documents from XXXX to prove there is no fraud going on, but Chase didn't even want to take a look at those documents. They claim all they will do is to wait for communications from XXXX that the account is not involved in fraud, but from XXXX side they have long concluded their investigation and returned my money. XXXX told me they are unable to influence other bank 's behavior. 

Now my money in my checking account has been frozen in limbo for over 5 months, and Chase is still " waiting '' for XXXX, at least that is what they told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ ROCKET MTG # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX OF XXXX, XXXX OF XXXX, XXXX OF XXXX, XXXX OF XXXX. Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XXXX, XXXX I requested Ocwen Loan Servicing , LLC the current status of mortgage loan # XXXX that showed as a delinquent on my credit report when I tried to obtain a Home Equity Line of Credit thru various banks. My applications for such credit were denied in part because of such loan ( XXXX ) shows as pending debt. 
Ocwen responded with a letter dated XXXX/XXXX/XXXX ( see attached ) that this loan was assigned for collection to XXXX XXXX XXXX ( XXXX ) on XXXX, XXXX XXXX. To my surprised I was under the impression that this loan was " Forgiven '' under the proposed modification agreement that I received dated XX/XX/XXXX ( XXXX attached ). 
In a letter dated XX/XX/XXXX. Ocwen requested documents to show my financial hardship at the time, which I provided that to them ( See attached ). 
I would like to know is why Ocwen opted to charge off the loan and not forgive it as an option within the newly created Home Affordable Modification Program as stated under " The Mortgage Forgiveness Debt Relief Act and Debt Cancellation for loans modified between XX/XX/XXXX through XX/XX/XXXX. 

I would like for Ocwen Loan Servicing , LLC to provide me a detailed description on the actions taken on their end that shows the proper practices and regulations were followed and that I was not discriminated and taken advantaged of my little to none knowledge of the complete loan modification that took placed and Its be denied by Ocwen.
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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/2020 we sold our home, disconnected our XXXX XXXX and paid the final bill. We mailed the equipment back to XXXX the first week in XXXX of 2020. We have had repeated attempts from collection companies to collect this debt and each time we have asked for written documentation of the debt and have not received anything from any of the companies. When I asked for the documentation, I was told that they would just report it to the credit bureau. It has now been reported to the credit bureaus and it has impacted my credit score, all over {$140.00} that was paid in 2020 and the equipment returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes several times to Experian/Equifax and Transunion and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979
Product: Payday loan, title loan, or personal loan

You can see I have made {$6400.00} worth of payments ( 14 months of {$460.00} XXXX {$230.00} twice a month ) ) and it's showing I still owe {$4700.00}. 

This high of APR should be illegal!! I want this loan paid in full. {$1200.00} is enough interest for the company to earn in 14 months. 


Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Friday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Friday, XX/XX/XXXX Next Payment Amount XXXX
Product: Credit card

As a long time customer with a record of not saving receipts and stupidly does not check statements every month, i am guessing people inside capital one take advantage and add small fraudulent charges. I think they have been doing this for a few years, starting with a restaurant in a city in the same state and charged me a small amount monthly. I disputed and it was weirdly difficult to stop the monthly charges to a restaurant hours away from a grocery store i bought items at near the same time. I think they got smarter and hid the fraudulent transactions better. I caught on today because of mismatched numbers due to a glitch in their system and an agent lying to me and changing numbers on my account as I looked at it. Whoever in capital one made the fraudulent charges may not live in the united states, because they don't understand the size of a state.
Product: Debt collection

Certified Signatures of all parties involved shipper driver receiver and bills of Lading and Invoice 's Have not received requested information
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONWIDE RECOVERY SYSTEM for committing identity theft.On XX/XX/2022 I received an alert from XXXX XXXX asking did I open an account? The message from XXXX XXXXa stated It looks like an account with NATIONWIDE RECOVERY XXXX was added to your XXXX credit report. I have never given NATIONWIDE RECOVERY SYSTEM ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from NATIONWIDE RECOVERY SYSTEM about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONWIDE RECOVERY SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONWIDE RECOVERY SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and NATIONWIDE RECOVERY SYSTEM will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Debt collection

upon checking my credit report i notice a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Product: Debt collection

I don't recall having a contractual relationship with this collection company WILLRUSH. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.