23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no knowledge of ownership of this account. Please provide original proof debt and ownership, ex : Bills, Contracts, my state issues ID, Signature, any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act ( FCRA ) and The Equal Credit Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act please make sure CREDIT LAWS for state of North Carolina and federal laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau and FBI and FEDERAL TRADE COMMISSION and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in federal court for violation 's ~815 ~808 ~809 of federal credit law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. XXXX asking this is removed from my report before I pursue further action against the bureaus
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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.

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.

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
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. 
I am an active branch member of the XXXX XXXX. 
Seeking assistance in removing inquiries that have not been approved by me. 
Tried contacting these creditors with my limited available time. Some do not show me in their system, and others unable to reach anyone without being placed on hold for almost one hour. 

The creditors below have pulled my credit without my consent. 

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 Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). XXXX, Experian and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

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

I have asked XXXX XXXX XXXX to remove the closed accounts from my credit the information they are reporting is incorrect they have dupilcated accounts they have six accounts with same account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I got declined 3 times because of experian credit scores its almost 100 points deferent from XXXX credit reports. I dont understand why is the big gab I did file to remove some stuff that shouldnt be there not even a return mail to explain why?
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN TRYING TO GET THE FILE CORRECTED SINCE 2018 DUE TO TRYING TO PURCHASE A HOME AND GET MY CREDIT FILE ACCURATE FOR AN ACCURATE SCORE. I SUBMITTED MY IDENTIFICATION MULTIPLE TIMES VIA UNITED STATES POSTAL MAIL TO EQUIFAX, XXXX, AND XXXX. THEY HAVE ALL FAILED TO CORRECT THE FILE AND OUTRIGHT REFUSED AFTER RECEIVING MY GOVERNMENT JOB IDENTIFICATION, STATE IDENTIFICATION, AND SOCIAL SECURITY CARD AND LETTER ADDRESSING ALL MY PLACES OF RESIDENCE THE LAST 40 YEARS.
Product: Student loan

I have about XXXX seperate private students loans through SallieMae/XXXX ... and also about XXXX XXXX loans through them as well..I wracked up huge debt ... XXXX total ... I never graduated, had to leave with XXXX classes remaining because Sallie Mae wouldnt approve me for the final XXXX I needed. Ive paid off about half over the last 7 years, paying anywhere from XXXX amonth to about XXXX. I was able to pay it so i did, but recently ive had trouble paying on time because my checks from my job in the film business do not come in mail at appropiate and regular times.. the late fee are crippling.. i do t mnow if i can keep up with the payments.. and for years now ive been trying to ask questions and find out how to reduce my monthly payment ... I have not been able to negotiate anything with them.. the customer service is terrible ... often ive been hung up on after being toldto wait on hold for up to and over 60 minutes!! no answers and no negotiating and no consolidation. Im pretty sure they tricked me into doing half my loans or some kinda interest only payment early on .... im now buried in a pit of debt because of sallie mae/ navients misleading business practices, intimidation tatics, harrasment, and frustration ... .. 
I need to also mention that sallie mae/ XXXX have been calling and harrasing my co signers if ive been late by a day. They never call me, they straight call my XXXX year unlce and XXXX year old grandfather. Ive asked them to not call and bother them and to please call me instead. They have not stopped bothering my co signers ... .also it is impossible to find information on how to remove my cosigners name from my loans. I have so much angry and frustration about this situation ... i just want to be able to pay a resonable amount per month yo pay off my debt, i shouldnt be made pennyless by a vampiric corporation. 
P.S.- I want to click every button down below
Product: Debt collection

I checked my credit and saw an account from ONLINE INFORMATION SERVICE with the Original creditor being XXXX XXXX -FTC for {$96.00}. I never received any correspondence via mail about this debt.
Product: Debt collection

On XX/XX/2020 I found out from the SCDOR  that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. XXXX XXXX # XXXX has violated my federally protected rights to privacy and confidentiality 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

I requested a School Misconduct Discharge Application, but Navient denied my request stating " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' They seem to be denying my ability to receive relief from harm, based on a technicality. The loan I have is still a student loan according to Navient, and I was required to submit documentation from my school when applying for the refinancing loan. Additionally, Navient claims loan privileges, such as inability to discharge easily in a bankruptcy, that are equivalent to any student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraud account from XXXX XXXX on my credit report. I have made many attempts to resolved this matter and I need your assistance in getting this matter resolved. This is not my XXXX XXXX account please remove it from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX Account # XXXX
Product: Consumer Loan

USAA advertised a 1.49 % 24-month new auto rate. I applied and was given a rate of 3.15 %. 

After calling, I was told that I was extremely qualified and they did n't know why I did n't receive the best rate. They then gave me a different rate, which was lower, but still not the top rate. 

I was sold I had a near XXXX FICO score, great income, etc. and no one was able to tell me why I did n't qualify for the top rate. 

I believe this is a UDAP violation and needs to be investigated.
Product: Credit reporting or other personal consumer reports

XXXX Credit Card has been charging my account XXXX monthly for a applecare account for 2 years for those 2 years automatic payments were set up and paid the balance. Recently in XXXX XXXX XXXX  automatic payments shut off by itself Technical issue on XXXX end and stopped making payments. XXXX did not notify me of this or that there was a payment that was never paid so it went pass due and then they put a late payment on my credit report. Seeing that these payments were suppose to be automatic and also there was not any communication, no phone call, no mail, nothing at all to even contact me this is completely wrong. I settled the payment and made the payment I have a perfect XXXX XXXX and knew of the issue would have obviously taken care of it. I strongly disagree with there way of business.
Product: Payday loan

I received a loan from bigpicturepayloans, that was listed as a installment loan, borrow XXXX payback XXXX, I was not advise of the interest rates or that they would be charging my account XXXX dollars a month. interest rates of 900 percent, this was not advise to me. I did not see this when I signed the agreement. Please help. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between XXXX, Experian, and XXXX. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from XXXX stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.
Product: Debt collection

In XX/XX/XXXX I filed a police report regarding my wallet being stolen which had money, credit cards, driver 's license, SS card, and checks. I immediately went to my bank and closed the account and reopened a new one and received new checks with a different account number. The person who stole my wallet had used my debit card ... but since it was still pending ... the bank was able to block the withdrawal. I placed a fraud alert on my credit reports and I got a new driver 's license and then ended up getting a XXXX one with my new name since I had married. 
Last week I received a letter from Meade & Associates attempting to collect on a debt from XXXX checks written on my old account with my old drivers license name starting in XX/XX/XXXX. I called and spoke with XXXX XXXX and he agreed that everything was done correctly, I just needed to send him the information from my bank and the police report along with my current drivers license. I requested that he send me copies of the checks that were written, which he did. I went to my bank and they did not have anything specific since nothing actually went through my account at the time. However, they new I had closed that account and reopened the new one and that I had presented them with a police report. They wrote me a letter to give to XXXX XXXX and I was able to retrieve the police report online. Monday, XXXX XXXX, I faxed both of these documents along with my current drivers license, my actual signature, as well as the new police report number for the case filed with the forgery/fraud department. I followed up with a call to XXXX XXXX on Tuesday and was informed he was not available, but they would have him return my call. I called Wednesday afternoon and was then told that he had left early that day without returning my call. I asked if anyone else could help. I was transferred to XXXX. She obtained the documents that I had faxed and I explained to her I wanted to finalize clearing this ordeal. She became hateful and kept saying she needed documents that I she already had. She stated I still needed an affidavit from my bank stating I did not write the checks ... she refused to listen to anything I had to say and acted is if it did not matter what I sent ... it was n't going to make a difference. At that point I definitely became angry and she told me to never call that office again. I called my bank and told them what was going on and they stated that XXXX did not know what she was talking about because the bank never had me sign an affidavit because nothing had actually gone through my account since I had immediately blocked all transactions due to closing the account. The check transactions even clearly say that when they were processed there was no account found. I am currently waiting for my case to be assigned to a detective ... but I am filing reports and claims to help prevent any more aggravation from this company and hope they will learn that you ca n't treat people like criminals when they are the victims in some circumstances ... especially when they present facts and proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am aware that this company OPORTUN, Is in violation of my rights as well as FCRA. This company is furnishing consumer reports without my direct consent as well as reporting experiences and transactional history which is to be excluded from reports. This company is a VIOLATOR and I may never do business with them ever again!
Product: Credit reporting or other personal consumer reports

I requested a credit report. Experian directed me to create an account online ( I had already had XXXXXXXX XXXX XXXX ). After I had completed all the steps Experian told me they weren't able to verify my identity online and that I should either call them ( so that a *company representative* could verify my identity ) or mail them proof of my identity. I called them and went through all of the steps with the automated assistant. The automated assistant then told me that I should either go online or request a credit report by mail. While there is still the mail option, this is a glaring flaw in their system. A concerned customer should be able to speak to a representative about getting their credit report when Experian directs them to call and speak to a representative. I will note that other credit agencies such as XXXX allowed me to speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; CXXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX  XXXX Balance Owed {$690.00}.
Product: Credit reporting or other personal consumer reports

6 unauthorized inquiries were spotted on my report, I filed a complaint a week ago after I uploaded my social security card and front & back Driver 's License to XXXX, after speaking with XXXX of Transunion she could not confirm receiving my ID verification and I couldn't recall submitting it with my last CFPB complaint # XXXX XXXX, so i will be sure to load them up now. Trans Union XXXX # XXXX
Product: Checking or savings account

XXXX XXXX help center- XXXX the guys names that I spoke with was XXXX XXXX to FTC and XXXX  They said they would help me recover my business XXXX page, but instead took over XXXX dollars out of my account via cash app. 

I called XXXX XXXX immediately and told them this was not authorized. I reported it to the FTC and XXXX  I did my money back the next day and thought all was OK, in XXXX of XXXX from XXXX XXXX, but then on XXXX XXXX, XXXX XXXX took out over XXXX dollars from my account ( which is my social security check ) and said that it was my fault for dealing with Cash App which they now claim as a fraudlent company and would not restore my funds.
Product: Mortgage

My Mortgage company is Amerihome. 
Loan started XX/XX/XXXX and started paying more than I was supposed to into escrow account. {$2300.00} At the end of the first year I had an overage of {$2700.00}. 
I received my monthly statement in XXXX or XXXX of this year and my payment went up to {$2500.00} I was shocked and surprised by this and called them. They put a work order in and finished the research on XX/XX/XXXX. 
I was told that the check for {$2700.00} was mailed to me and cashed by me between XX/XX/XXXX and XXXX XXXX. That was why there was an increase to my monthly payment. 
I explained that this is impossible and never received anything in the mail, never cashed the check and checked all banking institutions. NO CHECK WAS EVER CASHED BY ME. 
I then asked for an image of front and back of the check, signature as well, but was told that was not part of the research they did. 
So I was told to put another work order in to request an image of the check with the understanding that they might not have it. 
I HAD MONEY FROM MY ESCROW BASICALLY STOLEN FROM ME AND DON'T KNOW WHAT RECOURSE I HAVE.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX provided my social security number to a credit card company ( XXXX XXXX ) while I was sedated and having XXXX XXXX performed on that date. I was never given an application to fill out myself for credit nor did I need or request credit products. They used my information from the general intake form when I came in to be seen by a dentist and transferred my personal information to a credit application without informing me. The way they handled me as a patent was criminal trying to misguide me and acquire information by sending dental assistants to ask you questions about your income and other information saying the Doctor needs the information while you're under sedation if a direct violation of ethics and they should have their license revoked. I want this inquiry deleted from trans union specifically and all other bureau 's
Product: Credit card

I purchased a XXXX XXXX XXXX from Lowe 's using my Lowe's/Synchrony Bank Credit card XXXX  . I also purchased on a separate order delivery, installation, and removal of the old oven. The delivery/installation/removal never happened because they never showed during the scheduled four hour appointment window. I requested refund of the installation charge and the purchase charge. Refund of the installation charged has been granted but refund of the item purchase amount has not happened. 
On a previous fraud investigation inquiry done by Synchrony, Lowe 's replied that they have not refunded the purchase cost of the oven because " The item was picked-up. '' I did not pick-up the item nor was it delivered to me by the installer. The item was apparently picked up by the installer and they did not return it to Lowe 's after failing their installation commitment. Lowe 's still needs to refund the purchase price to me. I inadvertently paid off the amount on the credit card so a cash refund needs to be made directly to me not as a credit to the card.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian, refuse to follow the FCRA laws. They have violated my Rights. 15usc1681i ( 7 ), 15usc1681i ( 5 ), 15usc 1681e ( b ), 15usc1692c ( c ). After disputing accounts and inquiries with supporting documents and they still refuse to investigate or send back verified information.
Product: Money transfer, virtual currency, or money service

I am a XXXX working on XXXX XXXX. On XXXX XX/XX/2022 I send money USD XXXX from Western Union to my XXXX XXXX. XXXX confirmed transaction as successful and that XXXX XXXX will be available in XXXX XXXX account on XX/XX/2022. Tracking Number : XXXX XXXXXXXX. However money did not reached the destination. On XX/XX/2022 Western Union mailed me that they are unable to complete the money transfer thereby refund process will take 5 - 7 days. When USD XXXX was not credited to my salaried debit card i contacted Western Union and they said we escalate the case providing me the reference number XXXX. I am continuously in contact with the company but they are saying we are investigating and still my money is not credited to my debit card. 25 days have gone. Please help me to get refund my money. I am attaching the email from the XXXXXXXX XXXX  that they have not received mentioned transaction from Western Union. Thanking You for your help. God Bless.