23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

recently checked my credit report and saw that on XX/XX/year> and XX/XX/year> had 2 30 day late payments. creditors are supposed to report correct information and these payments were not late. I am requesting a investigation and that they be reported paid on time immediately. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I started to see transactions on my Cash App account that I didnt authorize. When I called customer service to tell them about these transactions they said that they would investigate the problem. And I requested a new debit card because my account was hacked. That was on the XXXX of XX/XX/2025. But I when I contacted them again on the following Monday the customer service representative was not being transparent at all and when I asked about who was hacking my account and I asked her when my new card was coming she told me to hold on and she put the call on hold. But she came back to the phone to tell me that I broke a financial policy and I asked her which policy but she didnt answer. Then she said that the card thats coming in the mail will not be able to be activated. And its because of the financial policy that I broke but am not able to know about. They retaliated against me because I asked what I did wrong and I asked about who was hacking my account. She said that I can continue to use the app but not the debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to submit multiple disputes to equifax they either dont respond or respond over 3 months later. They are inaccurately reporting a collection for XXXX XXXX on my credit that I had removed from my other reports. Equifax is consistently difficult to work with they dont follow the laws for their dispute process. Its so inconvenient to get inaccurate information disputed and removed with them. The company reporting couldnt provide me with documentation to show its my debt and equifax didnt respond to my dispute until months later. They need to remove it from my credit and make their process to submit disputes easier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXXXXXX no information regarding payments with Transunion. XXXX shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.
Product: Debt collection

XXXX XXXX in XXXX and XXXX the bill belongs to my adult son does bill not belong to me. I am the insurance carrier for my family. services received XX/XX/XXXX not my debt placed on my credit file {$330.00}. I contatced my insurance com, pany they provided a letter the debts are not mines but the provider of services never billed they stated untimely filing. 

XXXX XXXX XXXX date XX/XX/XXXX same issue bill belongs to my son placed on my credit report unable to refinance my house {$550.00} called no help sent to collection cant change. 

XXXX XXXX XXXX was paid XX/XX/XXXX to a rep {$100.00} he could not provide a confirmation number a few days later called told me pymt did not go through repaid called yesterday said it would fall off still no confirmation or letter to show paid never received bills or notices. Todate shows unpaid each call we will send you a letter and remove debt from report. I stated that fact to the agent yesterday.
Product: Consumer Loan

I received a check from XXXX XXXX XXXX co to pay off my loan on XX/XX/2016 I took it into a local PNC branch and was told that due to the size of the check that the manager was n't able to sign off on it and it needed to be sent to a special dept out of State and that it would take XXXX business days to be released because they needed to verify funds. I have never heard of anything like that before but since there is n't a local branch that the check was drawn from, I had no choice. They received the check on XX/XX/2016 and requested something from XXXX guaranteeing funds, a fax was sent to them the same day, then XXXX days later requesting a letter explaining why XXXX XXXX issued the check? My car was a total loss, but why does that matter to them, and why did they wait XXXX more days to request it? That was sent XX/XX/2016. If they have a check with a guarantee they need to release the funds right? A portion ( XXXX ) of the check is my money and they have n't released a dime of it .They are making me wait for my money too, I do n't understand how they can do this. The lady that I was working with left me a message on my answering machine that funds wo n't be released till XX/XX/XXXX. I tried to call her back and she is out of the office till XX/XX/XXXX ... I am having to pay for a rental car out of my pocket this whole time because they are holding my money and I need it to buy a car. Please assist me in this matter because I feel that they are taking advantage of me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$2300.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX  XXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$2300.00} is shown as 117 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$2300.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is a collection company that is showing on my credit report, but it is a fraudulent account. I never entered in to a agreement with XXXX XXXX or the original creditor. My authorization or wet signature was never given by me to have a account started. This is fraudulent activity on my credit report and this account need to be removed immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

We are attempting to stop ACH payments from payday lenders, but our bank says they are unable to do so. We have revoked authorization from our lenders, and when we notified the bank today, XX/XX/2018, we were told by the bank that they are unable to stop ACH payments, even if we send them a letter stating that we've revoked the right for the lenders to withdraw funds. We called to understand their process and how to get started, as we are working with a debt management company to assist in the repayment of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to ENHANCED RECOVERY CO XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
Product: Debt collection

Sentry Credit Inc has failed to respond to and comply by the following Consumer Laws : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( a ) and Sentry Credit Inc is NOT licensed and bonded in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I send {$50.00} + 3 fee Minutes later, I got the following message, Dear XXXX, We're sorry, but your bank declined your most recent payment to Western Union. We want to help you complete this transfer. Here is what you can do : 1. 
Please call the number on the back of your credit or debit card and ask the bank to approve your Western Union transaction. 
2. 
Then try your transaction again with the same credit or debit card. If you still need help, please call Customer Care at XXXX. If it happens again, please try another credit or debit card. You can also pay with your bank account, but you will need your routing and account numbers. Or you can send money to your receiver through your bank without sharing your bank information, like bill pay. Learn more about this option. 

We're sorry for the inconvenience. Thanks for using Western Union. 

When I called the number, I was answered by a voice telling me that I have a debt. That person was making threats. That same person is still calling my number and leaving threatening messages.
Product: Debt collection

frontline assest strategies and XXXX  are illegaly reporting a reaged account that has previously been removed from my credit report this account has always been the result of identity theft and a violation of my federally protected consumer rights per 15 usc 1681 c2, m 15 usc 1692 g fcra section 609,604, and 611 as well as fdcpa sec 804b3 this action is actually illegal and there is no factual basis of the reporting of this inaccurate information
Product: Payday loan, title loan, or personal loan

One main has called me over 41 times within the last two weeks. They call me repeatedly at min 4 times a day. Different numbers are used. I have asked them not to call and they do. On XX/XX/XXXX I spoke with an agent for over 15 min. She tried to get me to make payment arrangements on a future XXXX payment. I told her I wasn't going to make XXXX payment until the XXXX of XXXX. They called me every day after they already had the payment date and tried to get me to change it/ argued with me, and was quite harrassing. I even told them I would file a compajnt and they still did it. They sent false baiting emails making it seem like I qualified for a new loan and ultimately did not. The ran my credit without my permission with those advertisements and I want those inquiries removed. I have proof of a credit payofff I have completed for them because they call too much and the reps are not even trained to be anything other than bill collectors. They didn't even notate the account about the payments I gave them dates for.
Product: Mortgage

My loan was held by XXXX. I requested a recasting of the mortgage in early XXXX and sent them a check for {$170000.00}. I was informed my loan was sold to LoanCare effective XX/XX/XXXX and they returned my check. I contacted LoanCare XXXX to request instructions for recasting and to whom I should send my check. After six days they did not respond. I contacted them again and was told they would email me instructions. Another week passed and I heard nothing. Finally they did respond and told me it would take 10 to 20 business days to get an answer. I had to involve my original loan company XXXX to intervene and find someone at LoanCare to assist me because I was frustrated. We have been waiting for almost two months to send LoanCare a check for {$170000.00} and I can not get anyone to respond to me. Additionally I am losing valuable interest on the money I would be saving. I finally received a letter stating I should send my money to them and they would recast my mortgage and have it effective XX/XX/XXXX. That is an unacceptable amount of time to wait to lower my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I started a credit monitoring service as I wanted to see what mas reporting on my credit.I am considering purchasing a car at this time and had been previously made aware of a security breach involving my personal credit file. I found the following erroneous creditors listing on my files 1. XXXX XXXX XXXX XXXX {$250.00} 2.XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX {$350.00} and {$400.00}. There are unauthorized credit inquiries from XXXX XXXX XXXX and XXXX/XXXX also listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported on my credit inaccurate information without my permission a violation of the fair credit reporting act
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

The company told me that I owed a debt from  XXXX  insurance from  XXXX     2014. Since  I am trying to keep good credit I just decided to go ahead and pay the amount, however the representative I spoke to on the phone told me I could pay I lesser amount and they would consider the debt resolved. The representative also assured me once I paid the amount it would be removed from my credit report. I upheld my part and paid the amount and after several weeks the account was and is still being reported. I called the company and the person I spoke with told me it had n't been deleted because I did n't pay the entire amount, which was only a difference of {$20.00}, that I would have gladly paid in order for it to be deleted. The company mislead me to pay an amount less than what was owed and continues to refuse deletion, even though they promised to delete. I do n't even recall having insurance with   XXXX   i n 2014 a nd only paid to salvage since it was n't very much otherwise I would have disputed.
Product: Checking or savings account

Had to close my account because there were always descrepcies and changes in account balances. Years XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these items. It is unacceptable to report these items as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX Balance Owed : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c2 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 In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Fraudulent inquires below XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unable to complete transfer because PNC terminated the conection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on equifax, XXXX and XXXX. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.