23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

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

I recently reviewed my credit report and noticed unfamiliar inquiries listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the fair credit reporting act according to account # XXXX, has violated my rights. 
5 U.S.C. 1681 section 602 A.States that i have a right to privacy.

5 U.S.C. 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account with out my written instructions. 
5 U.S.C. 1666B : A creditor may not treat a payment under a credit card account an open end consumer credit plan as late for any purpose.
Product: Debt collection

ATG Credit LLC  is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore  ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, My personal bank withdrew a payment from my checking account according to the date the payment was to post to the biller, with sufficient funds to process the payment requested. My bank, XXXX, uses XXXX to process payments, and according to XXXX XXXX did not produce the check timely to the biller, M & T Bank, the payment was requested to be sent to. 

For example, the payment was withdrawn from my XXXX checking account XX/XX/XXXX, the payment due date to M & T bank was XX/XX/XXXX. XX/XX/XXXX I was notified by M & T bank the payment had not been received. I was in contact with XXXX, who could not explain the reason XXXX did not process the check to date. 

XXXX refunded my XX/XX/XXXX withdrawal on XX/XX/XXXX, as well as refunded the late fee M & T bank assessed to my account. On XX/XX/XXXX, after receiving the refund from XXXX, I submitted the payment to M & T bank for the XX/XX/XXXX late payment as well as the late fee incurred. To avoid any delay in payment, payments were processed to M & T bank, on XX/XX/XXXX, using their online portal. 

I received a letter of Good Faith from XXXX, XXXX to submit to M & T Bank , the biller. After the letter was submitted by myself, and XXXX, to M & T bank requesting acceptance of the Good Faith letter to lift the credit reporting delinquency , M & T bank would not accept/process the Good Faith letter to where XXXX indicates they were to deliver the payment to M & T bank by XX/XX/XXXX. After numerous calls to M & T bank, the delinquency remains on my credit report. Please note the Good Faith letter from XXXX XXXX notes my M & T bank account number under my name. 

A request was made to where I asked assistance from XXXX months later, asking they further reach out to M & T bank, identifying the error of payment was on their part, with no avail. 

Due to the lack of cooperation from both banks, this reduced my credit score to the point I was unable to co-sign for a student loan for my child 's second year of college in the fall of XXXX, which was not an issue the year prior due to a good credit score. XXXX was advised of this adverse event caused by their delinquency of processing my payment timely, to where no further assistance was provided on behalf of XXXX to clear this matter. 

I am providing bank records, showing adequate funds were available at the time of the request to process the payment from my XXXX  checking account according to the date requested to pay M & T bank on XX/XX/XXXX. In addition to providing those documents, it's noted in my bank records where XXXX refunded the requested payment from XX/XX/XXXX ( for the M & T Bank payment ) as well as refunding the late fee M & T bank charged to my account. Documents included in the submission will also show a snapshot of my XXXX report showing an excellent payment history ( no delinquency ) with this lender, M & T bank, as well as M & T statements reflecting those payment corrections within a timely manner after the issue was identified for that time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called advising that my name does not have a suffix at the end and I have open a dispute advising as well and still Equifax continues to report my name as XXXX XXXX XXXX XXXX in addition they have my birthday wrong. Since Equifax has locked me out of my credit account and I cant even file a dispute to correct this. I have to use this forum. So please look at the attached state issued drivers license and make the corrections. 

1. XXXX XXXX XXXX 2. DOB XX/XX/1976
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Product: Student loan

My name is XXXX XXXX, SSN XXXX. I cosigned for a loan for my daughter XXXX XXXX XXXX. I filed a complaint against Navient a few months ago because Navient reported 90 late payment to the credit bureaus after constant communication with them. In XXXX 2015 I was told to make a payment to stop the reporting and at that same time I was reported as being 90 days late. I have never committed to monthly payments or I would have paid them. XXXX communicated with Navient re : her payments. I have never had a late payment with Navient. Their agreement was with XXXX to pay monthly that I was not a party of. In XX/XX/XXXX, I paid the {$500.00} to clear my name and they will not change the status on my report. I think the late 90 day notice should be reported on XXXX 's report no mine. I have been denied a house loan because of this I did not agree to pay. Also, Navient continues to harass me weekly. XXXX has been in school full time since XXXX 2015, and I get calls every Sat and Sunday although an in-school deferment was submitted. I would like to have someone follow up and assist me with this complaint. To date, I have not outstanding loans with Navient and have never had a late payment. Please help. I would like to purchase my home but need the 90-day late payment deleted from my report. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I did a Tax Refund Advance through XXXX XXXX, provided by Credit Karma. I was advised I could get an advance of {$3000.00} sent to a spend account on Credit Karma. The advance went through, however when trying to make 2 separate instant transfers to transfer my money from the Credit Karma account to my external XXXX XXXX account, the money went missing. The transactions were for {$980.00} and was done on XX/XX/24 at XXXX and the other was done on XX/XX/24 at XXXX. My money was removed from the credit karma spending account, and NEVER transferred to my XXXX XXXX account. Credit Karma claims the instant transfers went through on their end, and they cant resolve the issue any further. So basically Im out of close to {$2000.00}. Which is a lot of money since Im a single parent. Credit Karma has done nothing to help find this missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly DELETE all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willfulnon-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did no tprovide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 


XXXX XXXX XXXXXXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter
Product: Checking or savings account

I was a Bank of America depositor, so I want my over Charger fees returnedXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a natural Person, I am a living XXXX XXXX. I have rights under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a Account without my Written Instructions.
Product: Credit reporting or other personal consumer reports

HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all 3 bureau report. looks like someone has my personal information and time to time requests credits on my name. 
As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. 
Other vise I will loose much time and money because mortgage lenders will decline my application for financing. 
I will list them below : XXXX. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. 
XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized CBNA Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Thank you in advance : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been attempting to dispute my credit report with the three bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. Experian, XXXX, and XXXX have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, thousands of dollars lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by Experian that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for months/years. I get turned down right away, when Ive had a lawyer attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. Experian states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cas App ( Block , Inc ) due to unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Ace. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; and XXXX XXXX XXXX XXXX - XXXX :, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy. ( I did give up that right ).

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instruction. ( I have not given written authorization ), 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. ( The listed accounts are unwanted " Adverse Reportings '' 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( I have presented several examples of inaccuracies )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered {$20.00} of Bitcoin and {$20.00} of litecoin from Coinbase. They were perfectly fine taking my money, but I can not add a way to sell and get money back. After waiting on hold for TWO HOURS, the customer service rep told me to try again with a bank account and that was all he could do. ( This is all after opening a support ticket approximately one week ago ). I still do not have access to my funds. Coinbase has not contacted me about my open ticket and I am being left hung to dry with no money from it and not being able to get the money I supposedly have on their application. I just want the money I OWN back.
Product: Mortgage

Received a purchase / construction mortgage from Movement Mortgage in XXXX XXXX. That loan was for the property purchase ( $ XXXX ) and renovation funds of XXXX $ XXXX XXXX for a total loan amount of {$180000.00}. Contractor did n't start work until XXXX XXXX. Worked four weeks, was paid $ XXXX from construction fund. After receiving payment the contractor abandoned site. Found a replacement contractor. Movement Mortgage wo n't release any of the remaining construction funds to the new contractor or to me to pay the contractor. They wo n't even work with me to refinance the original loan for the new contractor 's contract price. The new price is higher than the original contractor 's price, since major damage was caused by that contractor and now has to be fixed under the new contractor contract. In the interim I am required to pay monthly principle and interest on the remaining construction funds they are holding and wo n't release toward any construction. This has created a complete STOP on renovations of our home and has created much over costs since we can not move into our house. Since Movement Mortgage wo n't do anything for us, we have found a local Bank that maybe able to payoff Movement and issue a new mortgage. Movement after too many requests, refuses to give me payoff amounts on my existing loan. They wo n't give me any actual numbers. They continue to refer me to my mortgage statement balance which includes the remaining $ XXXX construction funds that they are holding and wo n't release but demand that I pay monthly on. 
The attorney that I have hired to sue the first contractor, spoke to an attorney at Movement Mortgage who gave a reason for not doing anything for us was that they were afraid I was going to sue Movement Mortgage. As of this writing Movement mortgage wo n't return my calls or respond to me. I want to have this situation investigated as to the legal right of Movement Mortgage to keep funds and demand that I pay principle and interest on those funds. Also to refuse to submit proper payoff accounting of my loan so I can move forward with a fairer and more reasonable lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX have violated my rights XXXX 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Debt collectors is TCS, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 
keep call and bother me all the time while i submitted the paperwork 's to show them that this issue wasn't my problem. They messed up billing paperwork 's. Please find an attached for proof that my insurance cover all of fee services.
Product: Mortgage

After a lengthy divorce, I had fallen behind on my mortgage with XXXX XXXX XXXX and was forced to file Chapter XXXX bankruptcy. During the bankruptcy process, XXXX sold my loan to XXXX. I emerged from bankruptcy in XX/XX/XXXX with XXXX agreeing with the court that my mortgage was current. I made my XXXX post petition payment to XXXX in XX/XX/XXXX. XXXX applied the payment to XX/XX/XXXX. I was still in active bankruptcy XX/XX/XXXX. My XX/XX/XXXX payment was misapplied to XX/XX/XXXX. I continued making payments, and never missed a payment, but the payments continued to be applied to an arrearage that did not exist. XXXX continued to assure me the matter was under review, but at one point went so far as to put me into pre-foreclosure. XXXX also never updated my status to show I had emerged from bankruptcy. I made monthly payments to XXXX until XX/XX/XXXX, at which point the sold my loan to Nationstar without having resolved the issue. Nationstar now shows me roughly {$8000.00} behind in payments and wants me to agree to a loan modification, which I have not agreed to do. Nationstar says they continue to investigate, but now they have people taking pictures of my house. I have not missed a single post-petition payment with either XXXX or Nationstar since I emerged from bankruptcy in XX/XX/XXXX.