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

I have requested 2 months ago to have my loan paid off, the company didn't do this and is still taking only {$150.00} finance fees from me every pay day on a {$700.00} loan. To date, I have paid a {$1800.00} on this loan. I have simply tried to make payment arrangements to simply end this process, but they have refused to help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : Collection Information : Account Number : XXXX High Balance : {$560.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed ( XXXX ), Account disputed by consumer ( XXXX ), Account disputed ( Equifax XXXX Creditor Type : Other Collection Agencies Account Status : Open ( XXXX XXXX, Closed ( XXXX and Equifax ) Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements ( XXXX ), XXXX disputed account - reported by subscriber ( XXXX ), Consumer disputes this account information ( Equifax ) Original Creditor : XXXXXXXX XXXX Last Payment : -- Past Due Amount : -- Account Type : -- I believe this account is inaccurate for the following reasons : Verification Issues : The information provided is inconsistent across different credit reporting agencies. For instance, the account status is reported as open on XXXX but closed on XXXX and Equifax. Furthermore, the dispute status is not uniformly updated across all agencies. 

FCRA Violations : The Fair Credit Reporting Act requires that all reported information be accurate and complete. The discrepancies in the account status, dispute status, and dates suggest that this information may not be accurate or complete. 

FDCPA Violations : If the collection agency has failed to verify the debt upon my request or provided inaccurate information, it is in violation of the FDCPA. 

In light of these issues, I am requesting the immediate investigation and removal of this inaccurate collection account from my credit report. Please send me written confirmation of the deletion of this account. 

Additionally, if you find that this account is valid, please provide me with the following information : Documentation validating the debt The name and address of the original creditor The date of the original debt Copies of any contracts or agreements signed by me Please consider this letter a formal request to correct the inaccuracies on my credit report under the Fair Credit Reporting Act and to cease any further reporting of this account until the matter is resolved. 

I appreciate your prompt attention to this matter. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to you in regard to Equifax not resolving the issue with my credit report. I am trying to refinance my home and they can not pull my Equifax credit report. This has happened several times with other loan companies and Equifax has not fixed the issue. If this issue is not resolved I will file a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that several accounts were added that I have XXXX knowledge of. I did not give permission to use my signature or authorization to any of these credit reporting agencies. Here are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I made a payment of {$2700.00} on XX/XX/2023 to Edfinancial Services for my student loans, after I made the payment I i checked my account and it seemed like everything went through fine, but after graduation and I had my 6 month grace period I asked them if they still see my {$2700.00} payment. They say that they don't see my payment that I made. Even when I have proof of payment, I send the documents to them on XX/XX/XXXX. The email they send said it was going to take 10-15 but it has been over a month now and still no answer.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Money transfer, virtual currency, or money service

Hi on the i sent XXXX Ethereum from my digital wallet on XXXX  to the ether wallet on my account on XXXX. It still hasn't shown up and i have been sending daily Emails asking for help as this is XXXX worth of aud and pretty much all my savings. XXXX has been great helping with proof of the successful transaction, which i have offered to provide to coinbase on multiple occasions but still no response. I have also tried calling there American number but i can never get through and this is costing me a lot of money each attempt as i live in XXXX. I am desperate and this is heavily effecting my mental health, and just can't understand the lack of support from such a big company.
Product: Payday loan, title loan, personal loan, or advance loan

More than 2 years ago, I paid off a personal consolidation-type loan with OneMain in XXXX, NC. I recently purchased a new vehicle and while working with the finance manager saw that OneMain ran a credit check on me on XX/XX/year>. I did not request, nor approve them to run a credit check on me, and this now shows on my credit report as a hard inquiry. I feel that this company running credit reports on me on a whim is damaging my credit, and possibly led to me getting a higher interest rate on my new vehicle. I request that OneMain does not run any further credit checks on me going forward! My name with their company may be XXXX XXXX ( my maiden name ).
Product: Credit reporting

XX/XX/2017 XXXX XXXX XXXX TX XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information on my file. The items I dispute also are encircled on the attached copy of the report. 

XXXX & Wells Fargo are inaccurate because I 've made every effort to dispute what is inaccurate on my credit report. I am requesting that the item ( s ) be deleted. 

Enclosed are copies of certified letters supporting my position. Please reinvestigate this ( these ) matter ( s ) and delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX Enclosures : Crdit Dispute Certified Letters & Screenshot of my Credit report from CK
Product: Money transfer, virtual currency, or money service

I am unable to link my bank account with XXXX. It is my right to link my account with whomever I please.
Product: Debt collection

Factual or Inaccurate Errors regarding LVNV FUNDING ( Debt Buyer ) and RESURGENT/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX ( Debt Collectors ) Account reporting One Month Term. 
I have never signed nor made any terms/agreements with any of the collection agencies listed above or elsewhere. 

Account reporting as 120 days late. 
I have never opened an account with any collection agency and have never promised to pay monthly payments. 

Account is reporting as an Installment. 
No terms nor agreements were made when any of the listed or non-listed debt collectors purchased said debt from original creditor. Collection accounts are not installment accounts. 

Account reporting the debt as revolving. 
Inaccurate After multiple disputes this debt buyer has " closed account '' ( as if I had an account with them directly ) as of this month ( XX/XX/XXXX ) and marked it as a charge-off ( as if they are an original creditor instead of a debt buyer or collector ). 

- I recieved letters that were made to look as if they are lawyers ( XXXX XXXX XXXX XXXX ). 

- I have been offered debt settlements from different collectors whom LVNV has given my information to ( RESURGENTXXXX XXXX  XXXX XXXX XXXX and others ) that has caused confusion regarding said debt. 
ers ) that has caused confusion regarding said debt. 

- I have been harassed constantly since XX/XX/XXXX with hundreds of letters, emails, and calls from these companies. Yet, despite disputes will not remove inaccurate information and continue to submit inaccurate information, which has significantly harmed my credit - I have requested via Resurgent that these errors be resolved with no reply from company. 

According to my consumer rights, I have the right to have my credit reports reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze and unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, 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 DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATIONXXXX : XXXX HAS VIOLATED MY RIGHTS 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 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 item 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through XXXX XXXX which became delinquent. I paid off the debt after repossession through their lawyer Aldridge Pite Haan. They reported to XXXX  and XXXX that the balance was XXXX. However for some reason they reported to XXXX  that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX were forgiven under PSLF XXXX XXXX XXXXXX/XX/year>. Upon forgiveness, the loans fell off my credit report and stated paid in full. I noticed today that the loans have reappeared on my credit report. XXXX is/was the loan provider.
Product: Debt collection

A collection company " XXXX XXXX XXXX '' has illegally " re-aged '' a debt to CitiBank and is inaccurately reporting the debt to XXXX, XXXX, and XXXX. 

I've repeatedly disputed the " age of first delinquency '' with the company and reporting agencies. The collection company merely replies that the information is accurate. The only result is a note attached to the collection in my credit report stating " Dispute resolved, customer disagrees. '' The collection company has yet to provide the " date of first delinquency '' to the reporting agencies. 

My consumer protection attorney advised me to file this complaint and contact the company before proceding further.
Product: Debt collection

I sent 2 letters requesting original documents in regards to me allowing them to have my information but instead I keep getting answers that they have validated my debt in which I have nothing received anything in writing. They have provided no paperwork or original instruments stating I owe the debt nor can they provide any signatures in reference to me agreeing that I owe them for any products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with this company. My account with capital one bank what is a credit card account that I opened in XX/XX/XXXX of XXXX. The account was in good standing for a long time and had a minimal balance. Then in XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to capital one bank and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to XXXX XXXX XXXX and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to XXXX XXXX XXXX they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. Capital one bank account # XXXX
Product: Checking or savings account

I went to use my debit card for a transaction and my card kept being declined. I called the bank to figure out what the problem was and they told me that my account had been closed and my money is frozen into the account. All the money I have is in that account and they will not lift the freeze to let me withdraw or transfer the money. They said they will mail me a letter stating why my bank account was closed and a cashiers check for the money however, I dont know when that will be and Im very upset that they arent holding my money.
Product: Debt collection

This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) This company is reporting wrong information on my report. I have never done business with this company and I have no idea who they are or this debt they claim to be owed. There is no agreement or contract establish with this company. This company has failed to properly establish evidence of obligation and also evidence that I ( XXXX XXXX ) owes them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax, requesting an investigation into several inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed on my credit report, such as incorrect address, and incorrect names. 

Despite sending the dispute letter via mail and providing all necessary information, I have not received any response from Equifax regarding the results of the investigation. It has been 5 months since I sent the letter, and I have not received any acknowledgment or resolution from Equifax. 

I did not receive a response back from Equifax with the investigation results. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Enclosed with this letter are copies of the original dispute letter sent to Equifax, as well as any supporting documentation related to the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

[ Recipients Name ] Early Warning Services , LLC [ Address ] [ City, State, Zip Code ] Subject : Dispute of Negative Accounts on Consumer Report I am writing to formally dispute the negative accounts reported on my consumer report by Early Warning Services , LLC. I have reviewed my report and found inaccuracies that I believe are affecting my creditworthiness. 



The accounts in question are as follows : 1. [ XXXX XXXX XXXX XXXX, {$89.00} ] - [ reported as delinquent, Insufficient Funds. ]
Product: Checking or savings account

On XX/XX/2023, I opened an account with Ameris Bank and used an external bank to fund the {$100.00} initial deposit. Also on XX/XX/XXXX Ameris Bank closed my account due to not meeting their risk profile. On XX/XX/XXXX my external account was debited the {$100.00} to fund the already closed account. I called Ameris Bank regarding this on XX/XX/XXXX and I was told that I would receive that money back the next business day. On XX/XX/XXXX after still not receiving the money back I was told that they would not be able to do an ACH transfer and would instead mail a cashier 's check to the address on file. Ameris Bank had tried calling but whenever I would answer there would be no one on the other end. As of today, XX/XX/XXXX, I still have not received any cashier 's check from Ameris Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be previously blocked fraudulent accounts reinserted on my credit file Per the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Product: Debt collection

After we made arrangements they still call everyday and week and keep calling till we answer! They call my house then my cell phone right after then I get a email also then text messages and voicemails! I do n't know what to do I 'm so stressed and we are only XXXX payment behind! Please help!
Product: Credit card or prepaid card

My Bank Card Balance ( cash advance ) increased from $ XXXX 27.24 % to $ XXXX 27.24 % with out any ATM transactions. The previous statements show this balance has been paid but the credit card company says that is because of payment allocations. They themselves have no clarity on what's going on as some agree with me and opened a claim that was rejected.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts and inquiry on my credit report Fraudulent accounts XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Fraudulent inquiry XXXX XXXX  XX/XX/2024