23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Active Hours said it would take up to 3 days to verify my bank account, and it 's been a week now. They deposited XXXX small amounts into my account to verify it is a real account, and still it is unverified, and I 'm also pretty sure the amounts have already been withdrawn by now, so it should have finished verifying process.
Product: Credit reporting or other personal consumer reports

I never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX {$680.00} XXXX XXXX {$10000.00}
Product: Debt collection

FIRSTPOINT COLL RESO at XXXX XXXX XXXX XXXX, NC XXXXhas been sending me collection notices in the about of ( {$480.00} ) the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purs to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

XXXX site said it is normally 20-35 % interest, but when loan documents arrived in mail, it stated 365.6258 % yearly. I was given {$3300.00} and so far I have paid {$3700.00} and they are demanding wage assignment to collets {$3700.00} in additional fees. Loan was made XXXX XXXX XXXX and is scheduled to complete XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Hello, I am having a problem with a credit card obtained from Navy Federal which I am making payments on and against the balance owed. My payment history is not reflecting as it should and thereby keeping my credit scores low, in a time when I need to purchase a home and make transactions which a lower score ( as the types identified with late payments ) will keep me in a higher interest bracket.

I called Navy Federal and they said they would not report my payments until the entire balance is paid off, again this is something that has never happened and which is detrimental to my advancement in the purchases I would like to make and the interest for which I believe I should qualify. 

I opened the account while I was XXXX in XXXX and am a XXXX  veteran. I would like assistance with this matter and would like the payments to show as they should so that potential lenders can see that I am indeed making payments and meeting my obligations.
Product: Credit reporting or other personal consumer reports

Experian has refused to remove an account from XXXX XXXX after multiple disputes. Despite my disputing this account over XXXX times, Experian continues to report it based on XXXX XXXX 's verification, even though I have provided records showing inaccuracies. It appears that Experian is not properly reviewing the documentation I submitted. I am requesting a thorough investigation and immediate removal of this account from my credit report.
Product: Debt collection

XXXX XXXX at Mosiac to me to file another complaint with your agency about the communication tactics and the ongoing discrimination. I feel this directive was also abusive since when I filed my last complaint they said you had no authority to oversee them. I continue to wait for the interactive good faith process within the XXXX. XXXX requested I file a complaint in every state and that no federal regulator over saw the company. I expect this was a ruse to abuse me further and make my XXXX worse. I spoke with their agents at XXXX XXXX who said no XXXX accommodation was put in place. XXXX said I was accommodated but never shared anything with me or how I could use the accommodation if it was there. XXXX told me XXXX was regulated by the XXXX XXXX XXXX which I dont think is true. I am making this complaint as a written record of my attempts at equal access within my abilities. XXXX at XXXX hung up on me telling me I had to have perfect memory he then hung up on me
Product: Checking or savings account

overdraft my account into the negatives take to much overdraft
Product: Mortgage

I filed chapter XXXX toward the end of XX/XX/XXXX and received my discharge XX/XX/XXXX. I have since began to rebuild my credit but my efforts have be adversely by XXXX lender, Specicalized Loan Servicing ( SLS ). They have reported correctly to XXXX XXXX 's but XXXX, XXXX. I received a credit update on yesterday of a XXXX point decrease due to an update SLS make to XXXX. I 've disputed this notation several times but no correction has been make. I really need to get this corrected ASAP.
Product: Credit reporting or other personal consumer reports

I have Account Review Inquiries being reported on my XXXX credit report They are three unauthorized Account Review Inquiries XXXX Requested on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  Requested on XX/XX/XXXX These Inquiries are fraudulent!!!
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX pm I made a purchase at the XXXX, WV JCPenney. The associate ( associate XXXX, according to my receipt ) asked if I wanted to join the rewards program to receive a discount on my purchase. I asked if it was free, and he said yes. He never mentioned that it was a credit card application and he attempted to rush me through the process. I found it odd that a rewards program required things like income and SSN, but it's been a while since I signed up for a rewards program and with the prevalence of fraud as of late I thought that the identification requirements had simply become more stringent. I mentioned this to the associate, but he did not reply. 

On the last screen, it asked me to confirm that I wanted to sign up for a JCPenney credit card. This was the first time during the entire process that the words " credit card '' were mentioned. I refused to press " confirm, '' clearly told the associate that I did NOT want a credit card, and requested that he cancel the application. He indicated that he had done so. I checked out using my debit card and before paying confirmed with him that I had NOT signed up for a credit card, and he again said that I had not. Then, on XX/XX/2022, I received a JCPenney credit card in the mail. The associate had apparently lied to me and signed me up for a credit card despite my protests. 

I immediately called JCPenney 's credit card services to report this fraud and have them cancel the account. They transferred me to the fraud department, and the fraudulent account was cancelled. They informed me that they would inform the credit bureaus of the fraud so that my credit score would not be affected. However, there was no way to report the associate who had fraudulently signed me up for this credit card, so I took the only option I had to do so by taking the JCPenney survey advertised on my receipt. I hope that this report will help encourage JCPenney to promote honesty and integrity among the staff at their registers. Thank you to the CFPB for all you do.
Product: Debt collection

On XX/XX/2020, myself and my underage minor son, XXXX XXXX went to the XXXX XXXX XXXX XXXX XXXX for an urgent XXXX XXXXXXXX test. My underage minor daughter, XXXX XXXX had been to the same clinic 2 days prior for the exact same test. We were all seen by the same doctor and had the same test performed- a simple rapid XXXX XXXX test. At the time I had XXXX XXXX XXXX XXXX insurance. 

Many months after the tests, I was sent direct payments cover part of the payment owed the hospital. In all I recieved different payments for each of us, as were entered into the billing systems with different billing codes. All checks I received were given IN FULL to the billing office at XXXX XXXX XXXX XXXX XXXX XXXX. They did not cover the original billed amount, but the agreed upon insurance covered amount. 

Unfortunately the staff at the XXXX XXXX XXXX XXXX XXXX allocated the funds incorrectly and overpaid some of our accounts ( XXXX ) and underpaid some of our accounts ( XXXX ), making it appear as if the account was unpaid. In all, the medical facility received all payment owed for the XXXX covid XXXX tests for all 3 patents. 

After many many months ( at least 8 months ) of disputes between the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and myself, the matter was finally resolved by management at the XXXX XXXX XXXX XXXX XXXX and the accounts were closed as paid and in good standing. The matter was closed. 

More than XXXX year later, I received a DEBT COLLECTION notice out of the blue from a company called S.W. Recovery Services saying I owed {$3200.00}. They did not reference when services were performed, for who, or any other details. I disputed the claim with them. 

They next sent me by mail and old bill from XXXX 's early visits showing the unresolved payments for the XXXX XXXX test from XX/XX/2020. I told them this matter was complex, had a lengthy dispute, was more than XXXX XXXX XXXX and had been resolved as closed and paid. They continued to threaten me with credit bureau reporting and legal action. 

How do I get them to stop trying to collect on this matter? It is not a valid claim. It was a closed, paid account. And it was an early XXXX XXXX test that became eligible to be paid in full without medical insurance REGARDLESS. No other services were rendered at that time besides one XXXX  test for a XXXX XXXX XXXX child. 

Thank you for your help in this manner. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2022 I have contacted Equifax to deal with this violation of my rights. 

I was affected by the Equifax data breach and Equifax is in gross violation. Per 15 USC 1681 ( a ) 3, Equifax has assumed this vital role without my consent or permission. Equifax did not respect my right to privacy.

Equifax did not exercise their grave responsibility. Equifax reportings were unfair, partial and unconsensual. Equifax did not respect my right to privacy.

I never instructed Equifax to furnish this report and I never consented to this report. Equifax does not have permissible purposes as per 15 USC 1681b ( 2 ). 

These violations are undermining my confidence in the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capitol One claims they are having technical issues with direct deposits that should have been in my account Wednesday. Friday at XXXX and still no money that I need for bills and food.
Product: Mortgage

I am a Realtor representing a seller in a short sale. When we started this process 2 years ago, the lender was XXXX XXXX XXXX who subsequently service released to XXXX, subsequently they service released to XXXX who service released to GreenTree who was taken over by DItech. We have submitted all of our paperwork multiple times, and the delays that are deliberate have killed several potential sales. The company DItech, has been deliberately dragging their feet and avoiding processing our short sale packet, and as we have obtained a new higher offer, they have announced that they are service releasing, but not until the foreclosure goes through. 
All we are asking for is that the banks comply with the terms of their settlement, and actually review short sale packets in a timely manner, without service releasing when it becomes obvious that a short sale is the best solution for the borrower, and the property. 
We have been watching first hand the corporate agenda to take advantage of XXXX XXXX for their bottom line. The practice has n't changed and wo n't until they cause another collapse with their un-checked greed. I am working very hard to save someone 's credit life, and all we seek is the oversight to ensure the banks give our short sale packet a fair chance at unbiased review.
Product: Credit reporting or other personal consumer reports

The deadline to file an Extended Claims Period claim for Out-of-Pocket Losses or Time Spent that occurred between XX/XX/XXXX, and XX/XX/XXXX, passed on XX/XX/XXXX. I was not informed through email, letter, text or phone call of the breach. I saw an ad for this breach. I searched duckduckgo website for the class action settlement. I found the EQUIFAX XXXX action settlement site. I then performed the identity data breach search to clarify if my data and personal information was leaked through their service or company site. I discovered my data and information was leaked through this breach. I emailed EQUIFAX seeking answers as to why I was not informed of this breach. They proceed to tell me they were not able to find my information. I responded with screenshots of their website showing my data was involved in the breach. They responded by telling me it was too late for them to do anything. This breach occurred XXXX through XXXX. 

EQUIFAX 'S response was, " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number If you have any additional questions, you may call XXXX ( XXXX ) or you may visit equifax.com/personal/credit-report-services. '' EQUIFAX 's claims are false. I have applied and was approved for {$1000.00} credit card, I am a U.S. resident for 36 years and have access to a social security. EQUIFAX ha not provided any evidence of fact that their claims are true. Thus, making me eligible for OUT OF POCKET PAY. I have firm belief EQUIFAX has now commited a federal crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account SAFCO Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a XXXX account. There should be no changes reported to it AT ALL!!!! I have tried to request a XXXX from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
Product: Credit reporting

RE : XXXX Complaint ID # XXXX CA AG Complaint # XXXX I received a reply to my dispute and complaints with the CFPB, XXXX and AG from a senior regulatory affairs associate at Experian who said that the bankruptcy that is reporting on my file belongs to me because it has the last XXXX of my SSN, previous address and date of birth. I am enclosing the documents that I pulled from the pacer system, XXXX copies of government ID with signatures that do NOT match the ones on the bankruptcy petition as well as the proof that I was out of the country when this was filed. Not only that, but those accounts are not even on my credit file, nor have they ever been. I am also including the police report, affidavit and identification documents. If this is not resolved, I will have no choice but to take them to court. 

I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.
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 ( CFRA ). Specifically, Cash App failed to take timely and effective measures to orrvent or address fraud on their platform, leaving my acvount vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

this not my info. # XXXX please remove from all XXXX reports