23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00}
Product: Debt collection

I had a debt for 12 months no interest with a company called Regency Financial a part of XXXX XXXX in XXXX, OH. I made every single payment on time not realizing I was only paying the minimum balance as I was told it would clear the debt. I spoke with them and they explained the terms of my loan. I then went in an agreement to make double payments because they required me to call or come into the office every month. Coming toward the end of the loan they tell me I owe much more than I expected because they charged a late fee every month, even though they told me I could double up payments. They never mentioned a late fee. They end up selling the debt to Mariner Finance. At this point I feel scammed so I decide I am done with the deal all together. On XX/XX/2020 I receive a settlement offer while I am Furloughed from my job. 1 month after I start back working I call and speak to XXXX who says that has expired and in 2 months my balance has went up another {$600.00}. I ask to speak with the supervisor and she is rude saying that was only a COVID deal. The next morning I get a call from XXXX who then says he will take XXXX XXXX  off and he will pursue legal action as he can see now I need them so he will not offer a deal. He then laughs and says never mind you live in NC have a good day. I then called back to ask for an email of the new balance that they were requesting and was told that he could not send it to me even though they sent me an original settlement offer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 




It has been XXXX  days, and you are in VIOLATION of this law. Please delete these items as soon as possible! 
The alleged account is showing an inaccurate. PAYMENT STATUS, DATE OF LAST ACTIVITY and HIGH CREDIT LIMITS. The law states if it is accurate, it must be deleted, or you will be fined {$1000.00} per violation. 

The following credit reporting agencies XXXX, XXXX, and Equifax have had lawsuits filed for reporting INACCURATE INFORMATION on personal credit files in which you were ordered to pay millions and you continue to do the same illegal practices.
Product: Mortgage

Hi This Complaint Is About My Lender ( WELLSFARGO BANK ) My Lender Is Trying To Defraud Me. The Way The Ca n't Keep My Property With Using Different Information. I Fax Document One Representative From One Department Saying That They Never Received Any Document And A Other Department Telling Me That They Did Received The Document Please Help Me With This Matter Since The Want To Sale My Property Telling Me Lies OnLy Lies Please Help Me My Account Number Is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/XXXX2018 Inquiry date : XX/XX/XXXX2018
Product: Money transfer, virtual currency, or money service

Cash app didn't offer a person to speak to if you have a question or a problem.
Product: Debt collection

In XX/XX/2020 a company named Phoenix Financial services LLC sent me a letter stating I owe them XXXX I have no knowledge of this account, Ive never received services from this company. I dont owe any money to them.
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 Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN XXXX days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
Product: Credit card or prepaid card

Bank of America without any notice, closed my credit card account, in the case of I don't have any credit irregularities, my three-year-old credit card account was forced to close by bank of America, and predation of all my points on credit card account, when I call customer service bank of america 's representative attitude is very bad, this card does not have any irregular transactions, no late pay, I don't have any bad credit history and i didn't get any answer from bank of america. I probably have 28500 points, I request bank of America to return all my points by check.
Product: Credit card

I closed my Sears credit card account in XXXX 2014. Unbeknownst to me, the account information was still on file with a rental car company, XXXX. I rented a car from XXXX earlier this year and returned it but never received a receipt, nor was I asked what payment method I would like to use. According to Sears Credit Card customer service, XXXX was able to bill my Sears card ( even though it was closed by me ) due to some sort of contractual relationship between Sears and XXXX. Fast forward a few months - I began to receive overdue notices in the mail from Sears, with instructions to call them immediately and arrange for payment ; Sears had charged me late fees and interest on an unauthorized purchase on a closed account! In addition, I was unable to pay or even access my account online ... since I had destroyed my card, I could not perform a password reset ( which required the card number and CVV code ), and Sears refuses to give me the account number over the phone. 

The pertinent information above - the date I closed my account, the fact that XXXX was able to process a charge after that date, the apparently unique relationship between XXXX and Sears that allowed XXXX to essentially re-open my account without my permission, and the fact that Sears ' policies prevented me from accessing my account without the physical card - were all verified and confirmed during a telephone conversation with a Sears customer service representative today. I admit that I do owe money for a car that I rented, which totaled approximately {$80.00} ; however, Sears ' credit card policies and their strange relationship with XXXX has caused them to make an additional $ XXXX+ in interest and late fees. Sears claims that no merchants " other than rental car companies '' are allowed to use their cards in this way, but how is that even possible, and how am I supposed to know which rental car companies may have my information? As of this writing my account remains " closed '', but what safeguards exist to make sure that I am not going to be charged anything in the future?
Product: Student loan

I have three private loans with XXXX XXXX totaling to about 84 thousand dollars. The original interest rate were about 8-9 % but recent all of my loans have been bumped up to 12 %. That high of a interest rate is criminal. Because of this I have had to drop out of college and work to pay the loan off so because the interest alone would accumulate to an amount that would be un-payable in the future. My dad took a loan out on his credit card of the amount of {$28000.00} which he had the credit card company ( XXXX ) pay directly to XXXX XXXX. XXXX sent the amount on XX/XX/2018, however XXXX XXXX insists they haven't received it yet. Now we are collecting interest on two loans and XXXX XXXX does not care about helping us. Please help me and my dad, we are desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with XXXX ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact XXXX. I have contacted XXXX several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX/XXXX/XXXX received a voice message from Vanderbilt Mortgage stating they were collecting a debt. My mortgage has been with them for over 10 years. I have money direct deposited weekly into a special checking account for them to draft their payments. Never been any problems. They say that in XXXX XXXX another customer wrote my account number on his check and the payment was credited to my account. I did n't catch their mistake. I hold up my end of the original agreement and assume VM does the same. I told them to go ahead and withdraw the missed payment from the account but they said I had to give them all the account information over the telephone. With trepidition I gave them my banking information on XXXX/XXXX/XXXX and kept watch on the account. On XXXX/XXXX/XXXX I called them since the money had not been withdrawn. Was told it usually took 14 days and would occur on Friday, XXXX/XXXX/XXXX ( it did n't ). On XXXX/XXXX/XXXX while at work they called and said they were collecting a past due debt. I went through the entire scenerio with them again. I have never had to deal with such rudeness. I gave them all the financial information again. I was also told that I would be charged a late fee for each month beginning in XXXX XXXX when the payment was missed. I do n't understand this as I fulfilled my agreement and the money was always available in the draft account. They messed up by applying another customers payment to my account. Was I at fault? Should I be penalized? I 've heard so many horror stories of Vanderbilt Mortgage ruining innocent people and their credit. I appreciate any guidance you can provide. Thank you.
Product: Debt collection

I received a robocall from phone number ( XXXX ) XXXX looking for " XXXX '' and said to call ( XXXX ) XXXX to " find a voluntary resolution since the client has given authorization to rescind the process ''. The message went on to say " settlement options go down to 75 % you may pay online at www.directrecoveryservices.com ''. I called the original number and an XXXX XXXX asked for my name and claimed I took a pay day loan from a company I never heard of ( XXXX XXXX XXXX ) back in 2013 and asked what my intentions are. I told them to send me the information to my mailing address per the Fair Debt Collections Practices Act as I do not recall such loan. XXXX XXXX said " You 're was stalling '' and said they could send it to my email. I said the law states within 5 days of today 's date verification of the debt should be mailed at my home address. XXXX XXXX got flustered, apparently unaware of the law. She then stated " You 're stalling, it 's on your credit report '' several times and said " we have had your account in our office for a long time '' and hung up on me. I called back and then a XXXX XXXX answered and tried to verify my personal information. I told her repeatedly that I do not give my information to people I do n't know. XXXX XXXX claims she needs to verify my personal information per California law. I said I 'm recording this conversation and said that it 's funny, they 're not following Federal law. I notified her I would be reporting them and not to call me back or I will report them further to the FBI. I 've attached a picture of my voicemail proving they called and I also have the recorded conversation.
Product: Credit card or prepaid card

I made a payment of {$380.00} Saturday XXXX that was processed and applied the subsequent business day Monday XXXX. Looking at my checking account where the payment funds originated, I discovered this payment made to Centra Pacific Bank on behalf of Elan Financial Services was DEBITED TWICE making my checking account at Central Pacific Bank go in the RED - {$310.00}. 
I called Elan Financial and they said they would reverse the charge and it would take XXXX business days depending on my bank. 
I called my bank Central Pacific and explained the issue. They said to call back today if still having issues. 
Today, I contacted Elan Financial and spoke to XXXX. And she said there is nothing else they can do. I feel they are accountable for this error. I have automatic payments, a bill to pay, gas to put in my car and I can't even by lunch.
Product: Debt collection

Name : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT. 
NOR THEREFORE ANY SUCH DEBT : The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Italso protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection. 


According to 15 U.S. Code 1601, the Truth in Lending Act mandates that lenders provide clear and accurate information regarding credit transactions. The information reported on my credit report does not comply with these requirements, as [ explain why the information is inaccurate, e.g., " the account was paid in full '' or " I was not properly notified of the charge-off. '' ] I request that you conduct an investigation into this matter, as required under the Fair Credit Reporting Act ( FCRA ), and provide me with the results of your findings. If the information can not be verified, I ask that it be removed from my credit report. 

Please delete the items as soon as possible. 

Account : 1. XXXX  XXXX XXXX Account : XXXX  Amount : XXXX 2. XXXX XXXX Account : XXXX Amount : XXXX 3. XXXX  XXXX XXXX  Inquiries : 1.XXXX  2. XXXX  XXXX XXXX 3. XXXX  XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

We submitted a request to XXXX to take out the incorrect flag on my credit report and they did take it out. 

For context, a flag appeared on my credit report for a XXXX  bill that was sent to collections. However, I've never done any business with XXXX . My phone and Internet service has been with XXXX XXXX XXXX for about XXXX years. 

XXXX DID take this incorrect information off of my credit report. However, this incorrect flag is still on my other credit reports. Experian and XXXX are still showing this on my credit report file.
Product: Credit reporting or other personal consumer reports

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I used Remitly to send {$1500.00} USD to my XXXX  in XXXX. On XX/XX/2024 the company confirmed that the transaction was complete. However, the funds were not deposited to my sister 's account. 
From XX/XX/2024 to XX/XX/2024, I have contacting Remitly for more than XXXX times to ask about the issue. 
Every time, I have to talk to a different person, they will ask the same questions and tell me to wait 24-48 hours, and they will call me back but they never did. I asked to talk to the XXXX they said they don't have XXXX?! 
Strangely, I requested them have a written email about their promise to solve the issue but agent refuse to do so!? 
In light of these egregious shortcomings, I can not in good conscience recommend Remitly to anyone in need of reliable and trustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Transunion is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Transunion written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Transunion to do what is fair and equitable to me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see attached
Product: Debt collection

I have no idea what this collection notice is about, nor do I have any clue where it came from.
Product: Debt collection

XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night. 

It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. 

We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.
Product: Credit card

How much I would like to say good things about this company I can't as you already know I file XXXX complaints within the last XXXX XXXX about the same issue just different credit cards through them today I applied for a at home credit card and I was approved for {$2200.00} for again a at home master card then I was taken off the approval page to then see a message that says we have to think about the application for approval of the application for a non master card nowhere in the terms does it say the company can approve then dis approval application that's for starters I called and at home customer service immediately says they don't see an application for the name provided by the way this company does this to alter their terms and conditions for certain individuals which makes that discrimination see attachments this is for the company synchrony bank at home master /credit card .
Product: Credit card

XXXX XXXX XXXX has been notified on multiple occasions regarding the inaccurate application of payment sent via autopay from online banking. Verification of this transaction has been sent to creditor and respective consumer reporting agencies who continue to ignore records showing that this payment was to have been posted on XX/XX/XXXX. Creditor held payment for several weeks resulting in their gain of late charges. Consumers payment record with this creditor not only proves their commitment to making timely payments but also is indicative of their claim that consumer has erroneously reported false information in consumers credit file resulting in multiple financial repercussions costing consumer higher interest rates and larger out of pocket expenses due to their neglectful acts. Consumer has made multiple attempts to get creditor to rectify the issue including filing multiple disputes with credit reporting agencies who continue to give automated responses instead of a full investigation along with document review provided by consumer proving that payment was sent in a timely manner via autopay for posting on XX/XX/XXXX.