23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Being banned by Paxful has left me in a dire situation. Without the necessary tax information from them, I'm struggling to file my taxes accurately and on time. The missed deadlines and my frantic search for a solution have added an unnecessary burden to my already busy schedule. It's imperative that I find a solution soon to avoid any further complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I have an unverified account from the following companies : XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX  # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Product: Credit reporting

I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called corelogic-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it XXXX. I tried to call XXXX to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained this results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Wise closed my account from XXXX of XXXX and has final respond to make refund for my remaining balance but they still not send it to me. 

They already asked me about refund account details. 

I've tried to contact many times but they still have not make refund to me till now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX CT FL XXXX XXXX.
Product: Credit card or prepaid card

I have not received my EDD card with my money paid out to me on it but from the looks of it someone has used all of my money I was depending on to pay my over due bills to make sure I don't get evicted
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan at TitleMax in XXXX, Georgia with my XXXX  XXXX XXXX XXXX as collateral, To pay for a funeral. I did not notice recently that nothing goes towards the principal ( XXXX ) dollars monthly payments go towards payments. I have seen a XXXX about the television news station XXXX on XXXX investigating the company. So I called and asked the young lady on XX/XX/XXXX at Titlemax, and asked her how much my payment goes towards my principal, and she hesitantly told me XXXX! You have to pay more besides your payment to go towards the principal. If I had known this upfront I would have gone another direction. I am a 100 % XXXX veteran, this has placed me in a field of nightmares. I later found out they are not supposed to loan active-duty soldiers at all! What about protections for us veterans? How could you take advantage of someone who has put their life on the line? For what so you can lie and cheat Vetrans! I feel sick to my stomach. I need help with this please help me!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Medical bill isnt mine but they still report and when I call they are very rude and talk down on you
Product: Money transfer, virtual currency, or money service

I have had several transactions of $ XXXX approved without my consent and no one was able to help. I had to cancel several cards due to fraudulent activities.
Product: Credit reporting or other personal consumer reports

This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received the XXXX statement the first week of XXXX, saw that the annual fee hit. called the company to close the account and remove the annual fee. they closed the account and said the annual fee was removed. 
in the first week of XXXX received the XXXX statement with a late fee and the annual fee. called the company and they refuse to remove the annual fee and the late fee and they are threating to go to collections.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX, KS XXXX Account Number : XXXX Dear NATIONAL CREDIT ADJUSTERS, L.L.C., I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target account has derogatory missed payments on my credit report that I would like to have removed
Product: Student loan

Cant get ahold of anybody I have made 3 payments and they have reversed them for some reason stating they cant find my account number one of my XXXX dollar payments went thru so I know they know my account number but yet they still say Im past due on my payments. MOHELA is the worst serving company ever I have tried calling, messaging nothing no answer cant get thru to a real person.. even emailed them sent back undeliverable
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove factual data inquiry XXXX21 this is not mine and no one was given permission
Product: Debt collection

I dispute this claim, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, DEPT OF ED/XXXX  Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$9700.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 've never had an with this company AfNI.No one from this company has ever contacted me or phone or mail. I do not owe this debt.
Product: Credit card or prepaid card

I had a previous medical condition relapsed causing me to be hospitalized for treatment from XX/XX/19 through XX/XX/19. Capital One closed my account because there were payments that were being returned as unpaid. Since I was receiving treatment not only did I not know my account was closed but I was not able to have access to a phone or computer to contact them to stop the payments and preventing the payment on XX/XX/19 in the amount of {$290.00} and the payment from XX/XX/19 in the amount of {$10.00} returned unpaid. I contacted customer service regarding the closure of my account and eventuall started working with a manager in the fraud  department. I explained my situation and that my intentions were never to have the payments returned. He had me write a letter and I sent it in along with a doctors note showing the dates I was recieving treatment. I advised I was on an unpaid leave during that time. However after they reviewed my documents they declined my offer. However I am wanting to get this resolved because why would they hold a customer accountable for something I was not able to prevent from happening. I have made ALL my payments on time along with additional payments up until I got sick. For a reputable credit card company I am shocked they will not take what happened to me inconsideration and see I never had issues with payments before. I was advised in the credit card agreement it states after one they can and have the right to close my  account. I get that however it could of been prevented if I was able to have the access to do so. I Have attached the letter that I sent to Capital One and the doctors note I can send the leave paperwork from my work as well if needed. Please help me get this resolved and possibly reopen my credit card account with Capital One.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 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

I submitted my 1st complaint with Ability Recovery Services (  XXXX ) asking for VALIDATION as I'm entitled to. They stated in their response that they sent me itemized bills, which does not qualify as VALIDATION per the FCRA. I then submitted complaint number 2 ( XXXX ) letting them know that the itemized information they sent me does not qualify as validation and per the Federal laws concerning the FCRA, they are supposed to send me information bearing my signature that proves that I am the one that owe the alleged debt. This erroneous reported information has negatively affected my credit score and my inability to purchase a home. It has been over 30  days since I submitted complaint number 2 and Ability Recovery Services stated they would send me proof of VALIDATION. They have not done this and because of that, by law they have to delete all negative reporting accounts from all credit reporting agencies. If this goes unanswered, I will be contacting the XXXX   and my attorney is on standby to get involved. I can no longer have items that do not belong to me reporting negatively affecting me. Below is a link to the federal laws concerning the FCRA. 


https : //www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
Product: Debt collection

The cash app .com kerps calling my families and telling them my private information and won't leave them alone
Product: Credit reporting or other personal consumer reports

Per the FCRA as a fully protected consumer I am opting out of any and all Authorization I the consumer may have given verbally, non verbally, written or non written per 15 USC 6802.

Please remove all personal information from my consumer report including Remove all non mailable address from my report EXCEPT the address below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Can you tell me where you got the previous addresses from?
Product: Credit reporting, credit repair services, or other personal consumer reports

I been working with experian in regard to clean up my credit report I'm a victim of identity theft I'm also having the same trouble with XXXX  both these companies refusing to clean my credit even after proper documents have been provided to the company I currently have a dispute with your company consumer finance my number is XXXX same information I faxed over today pertain 's to experian right now I'm asking this company to fix my credit XXXX XXXX last 4 of social XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/1975
Product: Payday loan, title loan, or personal loan

What happened? 
your agent XXXX XXXX  was sent emails and certified letter dated XX/XX/XXXX ( confirmed received ) by borrower that advised a payment of XXXX was in the process of being sent The XX/XX/XXXX letter also contained a directive by borrower that when those funds were to pay 20 monthly pre -payments ahaead by month ( XX/XX/XXXX -thru XX/XX/XXXX ) .also borrower and spouse made a total of 4 calls to XXXX XXXX   XXXX 2ce and and XXXX who all assured the payment would be processed in accordance with borrower directive.XXXX stated the monies would be applied but dur datye would not change and it would as months become due as they like draw from the XXXX credit, ,WHAT IS XXXX XXXXHAVE MY MONIES IN ANOTHER ACCOUNT AND SRAWING ADDITIONAL INTREST, THERE SHOULD BE NO CREDIT APPLY THE PAYMENT AS DIRECTED, the problem is it looks like it was applied to principle and does not adavnce due date to the XXXX XXXX..XXXX XXXX   XXXX and XXXX stated the account has a XXXX credit and each month XXXX XXXX would draw off of that .no where in writng does borrower have assirance but XXXX XXXX  word, the account should be above board open and transparent and read due date XX/XX/XXXX and a borrower requests a payment history displaying the breakdowm of payments ( prinxipal and intrest ) for all thoise pre paid months.this internal accounting of my payment i have never seen, when someone pre pays a loan it should display thenext due date, XXXX XXXX  is showing XX/XX/XXXX which is not correct.this business practice is highly suspect and i am taking no one words for how it was applied when i can not see it for my records