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

In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.XXXX years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with Equifax Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXXI want all to remove this merchant from my credit report because I have the letter where XXXX XXXX  denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.
Product: Mortgage

I signed a mortage agreement three years ago and my account was sold to Valon Mortage group. the original agreement was PMI  was to be removed when i paid down my loan to an LTV of 80 % and i am now down to 79.66 % meaning my PMI should have been automatically removed. I applied on the site in writing that I wanted PMI removed and received a response that " the property is located within a FEMA-declaired Disaster Area and the event occurred 24 or more months ago ''. I pointed out that this definition is overly broad as every area has been a FEMA disaster area based on their definition of " within two years or more '' and i would have to pay to get my home appraised ( not in the original agreement ). They are now refusing to remove my PMI unless i pay for the appraisal. it should be noted I contacted FEMA to inquire if my home or the area was ever involved in a disaster related area since I moved in ( almost four years ago ) and they said no. So it appears Valon Morgage group is attempting to extort people for extra PMI payments on the off chance someone wont stand up to them.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was robbed for XXXX on cash app. I went into XXXX XXXX to get money order for my rent and it kept declining I called what I thought was cash app and whomever on the other end of the phone went into my cash app and cleared XXXX dollars that I had in my cash app account. I called cash app back and told them my account was wiped clean.cash app did nothing and told me there was nothing that can be done
Product: Payday loan, title loan, personal loan, or advance loan

As the owner of XXXX XXXX XXXX I took out a loan with Investors bank. I was making monthly payments with no issues. Citizens bank bought out Investors bank. They sent me an invoice for the full amount of the loan rather than honoring my arrangement with Investors bank. I attempted to pay the monthly payment to Citizens bank but was ignored. 
I have personally contacted two supervisors at Citizens bank. One was XXXX XXXX who promised to " look into it ''. He did nothing.
Product: Credit reporting or other personal consumer reports

Inaccurate information/accounts appeared on credit report.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXXXXXX XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

XXXX XXXX XXXX I owe {$520.00} for a canceled contract on XX/XX/XXXX. The contract was canceled because XXXX could not receive a signal for their services at my location. I had a technician try multiple times to resolve the issue. When he couldnt, because of my location, he said there was nothing he could do and I should cancel my contract. I have sent multiple letters to XXXX and 3 other debt collection agencies represented by XXXX disputing the debt. Each time I contact a debt collector they say XXXX recalled the debt and I need to contact XXXX. The last debt collection agency I contacted was Convergent, I spoke with XXXX XXXX. The last person at XXXX I talked to was XXXX ( employee number XXXX ). She is XXXX XXXX Senior Account XXXX. I disputed the debt with both XXXX and XXXX on the telephone on XX/XX/XXXX because both said they had not received a letter stating I disputed the debtXXXX XXXX is saying I did not give them enough time to resolve the issue but the technician was not putting all the information about appointments on file. I sent all hardware I obtained back to XXXX.
Product: Debt collection

I have been disputing this account for some time now with FRANKLIN COLLECTIONS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

In XX/XX/2017 I was involved in a school sport function injury. The schools insurance paid the bills to the debt collector/ hospital last year and settled it. The hospital is now saying it wasnt paid and sent it off to collections and is failing to provide reasons for these amounts that is unpaid and will not provide any paper work showing why my account was sent to collections and they stated it was placed on hold and was never even supposed to be sent to collections, but some how it got sent to them.
Product: Credit card

Kindly review the attached documents. I request that the bureau commence an investigation into these accounts, as they consistently reflect no late payments despite being inaccurately reported.
Product: Debt collection

ASSETCARE LLC has an account on my credit file thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've been a victim of identity theft and am requesting to have this item removed from my credit report. it does not belong to me.
Product: Debt collection

AARGON COLLECTION AG ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AARGON COLLECTION AG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AARGON COLLECTION AG or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A 1XXXX XXXX  XXXX  Original creditor : XXXX XXXX  XXXX  XXXX  Balance on XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit grantor 's internal collection department 2XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 3.XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$14000.00} Account info Account number-XXXX  Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 4.XXXX XXXX  XXXX  Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account number-XXXX Account status-Closed Date opened-Jul XXXX, XXXX Account type-Credit Card 5.XXXX/XXXX  Account info Account number-XXXX  Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card 6.XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account number-XXXX  Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card 7.XXXX  XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account number-XXXX  Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card 8.XXXX  XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account number-XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with TransUnion intentionally reporting false or inaccurate information although the other credit bureaus have removed the disputed information. Also, TransUnion is intentionally not reporting my credit card information, even though the credit card company has reported the information to TransUnion multiple times. I also have less derogatory accounts, with TransUnion, yet this credit bureau has me with the lowest score, which does not make any sense.
Product: Debt collection

AllianceOne is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever signed ANY document, agreement, or application with them for ANY service, or contract. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I am writing to formally request the removal of unauthorized accounts that are currently reflecting on my credit report. These accounts are not mine and are adversely affecting my credit standing. 

Details of the unauthorized accounts are as follows : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

I have attached copies of documentation that support my claim. 

I kindly ask that you investigate this matter and remove these accounts from my credit report as soon as possible. Please confirm the outcome of your investigation in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a senior citizen and I am also on social security. 

I am a Google email user and the email I am complaining about is XXXX I signed up for email address to use in my XXXX account so as to be receiving verification codes and I have been using the email for more than a year now. 

Few days ago, google disabled my email address and said they suspected it was used for phishing and they said I can appeal the decision. 

My email address has never been used for phishing before. So I appealed the decision to have it reenabled and I never heard back from Google. The case number google gave me is [ XXXX ] This has done a lot of damages to me because I used email to link to my Online social security for verification code when I want to log in. I have not been able to access my social security account for now because the code is being sent to my email address. 

I have over {$4500.00} US dollars in my XXXX account and I can not withdraw because XXXX recently sent a code to my email and asked me to provide the code, but google shut down my email address. There is no way for me to change my email on XXXX because they will first of all send email to the old email that was linked for confirmation before a new email can be added. 

Also few of the online banks which has no location that I have Account with I can not log in because my email which google XXXX was used for codes too. 

I am officially writing to Google using this complaint to enable my email address so I can be able to withdraw my funds from social security and XXXX because I have been so frustrated in the past days please. 

The email I am complaining about is XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things accounts beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX against XXXX in the amount of XXXX. XXXX. Bank of America never contacted me or allowed me to upload my documentation showing that the merchant said they would refund me in 30days. Today XX/XX/XXXX I received in the mail a notification from BoA stating they were siding with the merchant and they were going to take XXXX from my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false  statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Pacific Credit Exchange, I do not have a contract with this company, and they did not send me the original contract as I requested.
Product: Mortgage

hello I will try to make this short. hsbc has claimed I did not make payment for 2 years now they want to foreclose. they also did the same thing 4 years ago. and in 2012. 
I have to keep going bankrupt to save the house I have ever single receipt. and they say that's not good enough. even my Lawyer is surprise. so I have to go bankrupt again. 
something has to happen to hsbc to cost me my credit. and giving me a heartattack. 



also, they would hold my check until after the XXXX and charge me a late fee this has been going on your years so I certified ever mortgage check so I wood know when they got them..
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. As a frequent user of Zelle, I have encountered situations where my claims were not properly investigated, and I was informed that recovering lost funds was not possible. Despite seeking assistance on multiple occasions, Zelle failed to provide adequate support or resolution. This happened on XXXX XXXX XXXX where a couple unauthorized charges occurred. When I called Zelle, they said there was nothing that could be done and I lost {$200.00} that day. This is actually one of many scenarios where Zelle has failed to remediate the situation. The CFPBs case underscores a troubling pattern of neglect toward consumer protection, particularly in cases involving scams. This lack of accountability raises serious concerns about Zelles commitment to its users safety and well-being.
Product: Vehicle loan or lease

I went in to TitleMax in the XXXX Georgia location to get a loan of {$2200.00} after she transferred the money into the titleMax Customer Service worker said that there was a {$1400.00} credit balance and I said why didnt you tell me that in the beginning I wouldve asked for her to deposit {$3600.00} instead of XXXX. Then when I went to take out the remaining XXXX online, it wouldnt let me it told me that I had to make a payment before I could receive the remaining {$1400.00} in my account or any money for that matter I couldnt make a payment due to hardship and Titlemax took my vehicle from a parking lot while I was inside the store I came outside. My car was gone. I had to reclaim my vehicle at XXXX insurance auction off of XXXX XXXX in XXXX Georgia. I paid XXXX insurance auction {$1000.00}. I then reclaim my vehicle months later again still having hardship. I was inside of a store came out to get into my vehicle and TitleMax had taken my car again. Left me stranded and now says that I owe the full payoff amount of {$2800.00} and they repossessed my vehicle refused to give it back. They wouldnt take it off of the forklift and I am stranded without a vehicle. TitleMax called me every single day and harassed me about the payment. There were XXXX workers or XXXX or XXXX workers in that store located in XXXX Georgia off of Highway XXXX on or in between XXXX XXXX XXXX and XXXX XXXX XXXX again they called and harassed me every single day for payment. age XXXX female living in XXXX, Georgia XXXX XXXX, Georgia, XXXX
Product: Money transfer, virtual currency, or money service

I made a transaction with square for about XXXX with a company that I have been doing business with for many years and have don't multiple transactions. Everything was going fine the money was approved it should have gone in my account on the XXXX next day according to all the other transactions. I look at my account and it shows pending says it will be sent on the XXXX so I wait. Next day nothing I go to their dashboard online and that's where it says its suspended. I talk to the customer to see if they had the money removed from their account and they said they did. I looked at seeing I should refund it but read that if I did it would be taken out of my account and not the money that being held by them. That makes no sense because if they think it's fraud then just cancel the order. I have sent messages to square and no answer. I can't contact them directly cause supposedly my account in not active but they would let me do another transaction so they could hold that too