23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BK OF AMER which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that BK OF AMER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulling my credit XXXX XXXX XXXX XXXX and experian having isssue removing my fraud alert with all 3 's experian, XXXX, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

31 USC 5118 : ( a ) United States coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and XXXX XXXX, are XXXX XXXX for all debts, public charges, taxes, and dues. 

( b ) This subsection does not affect the XXXX of the XXXX XXXX under Section 5114 ( b ) of this title to regulate the amounts of United States coins. 

Practical Implications : XXXX XXXX XXXX : XXXX XXXX coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and XXXX XXXX, are recognized as XXXX XXXX 

XXXX for Debts and Obligations : XXXX coins and currency are acceptable forms of payment for all debts, public charges, taxes, and dues. 

Regulation of XXXX Amounts : While coins and currency are legal tender, the Secretary of the Treasury has the authority to regulate the amounts of XXXX coins. This authority allows for the regulation of coinage denominations and specifications. 

Recognition in Transactions : Merchants, businesses, and individuals are generally obligated to accept XXXX coins and currency as payment for goods, services, and obligations, with certain exceptions. 

It's important to note that the legal tender status of XXXX currency means that creditors are generally required to accept it for the payment of debts, and individuals are typically obligated to accept it in transactions. However, there are practical considerations, and businesses may establish their policies regarding forms of payment, including whether they accept cash, checks, or electronic payments. 

Additionally, the XXXX of the Treasury 's authority to regulate the amounts of XXXX coins allows for the management of coinage to meet the needs of commerce and transactions.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( 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

Equifax refuse to send my free annual credit report. i filed a complaint with CFPB case # XXXX they answered this stating I must send proof of documents driver 's license etc. I sent this to them already. 
WHY ARE WE GOING IN CIRCLES?? DID THEY LOSS MY PERSONAL INFORMATION!! 

WHERE IS MY FREE ANNUAL CREDIT REPORT. THAT IS WHAT I'M ASKING FOR AND MY CREDIT SCORE. WHAT IS SO HARD. 

I SENT IN MY REQUEST WITH ALL REQUIRED DOCUMENTS. pLEASE MAIL TO MY MAILING ADDRESS. YOUR VIOLATING MY RIGHTS.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX  in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Product: Debt collection

I called this company AFFIRM so many times They continue to email me that Im responsible for this debt totaling over XXXX I have filed police report but theres no way to get it to them They reported XXXX accounts to my XXXX I dont know what else to do
Product: Credit card

I was made aware of the fraudulent activity today XX/XX/XXXX. The card wqs opened on XX/XX/XXXX and purchases have been made in excess of {$6000.00} over the past few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted from XXXX that someone had opened a CC account for XXXX under my name. I did not open this account. This happened without my consent.
Product: Money transfer, virtual currency, or money service

A request was made to pay my daughter 's softball coach for equipment and uniforms using Venmo. I was not completely aware of how Venmo worked and looked up the Coach 's name on Venmo. I found a XXXX on Venmo assuming this was the coach name, I transferred {$410.00} to this account. When I saw the coach on the XXXX of XXXX she advised me that she had not received the payment on Venmo. I told her that I sent it on Venmo to the address of XXXX, the Coach stated that was not her account her Venmo account was XXXX XXXX @ XXXX. I submitted a form to Venmo, no response, so I called their customer service department, I was told that there was nothing they could do. Their suggestion was to continue to reach out to XXXX XXXX and request the funds be transferred back. I asked Venmo for a telephone number and email address for XXXX and they stated it was company policy to give out the information. I asked them why then would they allow users who have so closely related names, exact names as a matter of fact to be able to use Venmo in that fashion. The lady at Venmo said she didn't make the policies. She advised was to continue to reach out to the XXXX and see if she would send back the money. I have attempted numerous times to contact XXXX about returning the funds as they did not belong to her. And I have reached out to Venmo to do the same, and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to MOHELA effective XXXX. I received a letter from MOHELA dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, MOHELA Welcome letter attached ) Based on views from all three credit reports, XXXX nor MOHELA updated my credit report with this information. I reviewed and have filed 3 disputes regarding incorrect information sent to XXXX, XXXX and XXXX from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from MOHELA dated XXXX informing me that I had received from the Biden-Harris Administration 's Income Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating zero balance ) Each time I submitted a dispute with each credit bureau ( XXXX, XXXX, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that MOHELA was my current loan service provider. 

MOHELA has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, MOHELA is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted XXXX, XXXX, and XXXX from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, XXXX is still reporting that the XXXX XXXX XXXX loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, XXXX is still reporting that the XXXX XXXX XXXX loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and XXXX XXXX Consumer Financial Protection Bureau to assist me with my complaint. 

In closing, I do not have an active educational loan and my loan should reflect a zero balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX/DEPT OF ED, Account number XXXX XXXX/DEPT OF ED, Account number 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 an account without my written instructions
Product: Debt collection

XXXX is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. 
I have inform them of the situation but they still continue to mail my personal information to my workplace.
Product: Credit reporting or other personal consumer reports

My complaint is with TransUnion. My original creditor was XXXX XXXX XXXX XXXX. I have a statement they sent me with a payment due date of XX/XX/XXXX. As of that date my credit card payments were late and a payment was never made. The ultimately sold the debt to XXXX XXXX aka XXXX Acquisitions on XX/XX/XXXX. The date reported for the debt is the date is was acquired by XXXX XXXX ( XX/XX/XXXX ) and not the date of the original delinquency, which was around the summer of XXXX. The debt is being reaged and from my understanding that is an illegal practice. It is a method collection companies use to make it hard on people that owe debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My mortgage was recently bought by Specialized Loan Servicing LLC. To pay my mortgage I can choose to pay by phone, online, or send a check. Unfortunately, with all those methods you need an account number. I was never sent an account number in time to make my payment on the first of the month. AND their entire website is down. I've tried it on multiple devices and connections .AND it is after-hours for the phone system.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Payday loan

I borrowed {$700.00} on XXXX from a company called North Cash and I knew that it would be an expensive loan if I did n't pay it off early. The representative even stated that if I were to pay the loan off early I would save significantly on finance charges. The finance charges that I am being charged are {$190.00} every two weeks. I called in early XXXX to get my pay off balance and was told at that point that the payoff amount would be over {$800.00} ( ca n't remember the exact amount ). I was confused because at this point I had already paid over {$900.00} towards the loan and I could n't understand why the balance was more that the amount I borrowed.I had a family emergency that came up around that time so I was n't in a head space to follow up on that conversation. I have paid {$190.00} every two weeks since XXXX and when I called to get the pay off balance on XXXX I was told that I would have to pay over {$900.00} to pay the loan off. When I asked how that was possible the representative told me that I still would be responsible the remaining interest on the loan and I just do n't understand! When I crunch the numbers what she told me is incorrect about owing the remaining interest because the amount would be much more, but I also do n't understand how she came up with the amount that she gave to me. I 've worked very hard to get my credit back up to the mid XXXX 's so I do n't want to do anything that will cause a blemish, but it just seems like this is n't legal what North Cash is doing.
Product: Credit card or prepaid card

this is a defamation to my character I am trying to buy a car i see multiple hard inquiries and a credit card with elan i never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to send letter to all three credit bureaus ( XXXX, XXXX, equifax ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. Equifax and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, equifax and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically l, Cashapp 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: Student loan

I had filed for deferment on my loan i was asked to place in forbearance until the deferment went through. I was told it was good for 2 years only to find out that i had to renew after a year. I sent all the paperwork back in and never heard anything back i was receiving statement showing payment amount {$0.00} untill a week or so ago i got a letter ststing it was past due and I owed {$280.00} payment due. I went online to see what was going on my loan is no longer in deferment i resubmitted. Then I called navient to see if i needed to do anything else they then instructed me to place in forbearance until deferment is approved. I was hesitant and asked isnt that what the lawsuit is about. She told me it would be delinquent if i didnt place in forberance and my deferment would be denied if i did n't. So i told her ok and did the forbearance for 1 month. I then checked my credit report and it shows my loan from XXXX XXXX was charged off deliquent for both loans even though i consolidated a couple years ago as instructed by navient when they took over because it would be easier for me. not that it was in deferment. I tried finding my documents on their website but i csnt find anything i submitted i dont have hard copies i signed and returned all document 's sent to me. They had my old address on file even though the past 2 years ive been receiving information at my current address. I trusted them i assumed because it was a federal student loan with department of education it was a government agency. I did n't think they would stear me wrong. Over the years ive had {$520.00} added in interest when i though it was in deferment for economic hardship. Also when looking at my email i was sent 20+ emails from navient asking me to reply yes to email to place loan im forberance. I went to XXXX school not i guess they are called XXXX
Product: Checking or savings account

I have been with Wells Fargo for 5 years. The last 2 years my debit card has had to be replaced 5 times. I have had my card information stolen or sold and had around 12 charges on XXXX. XXXX linked my card to at least 9 accounts none of which were mine. After speaking to the bank the following day an additional 4 charges were presented to my account. While the issue was finally fixed it was very frustrating and resulted in my card being canceled and having no access to my funds immediately. Shortly after XXXX began charging my account unauthorized. The bank did am investigation refunded my money and replaced my card again. But this happened at least 4 more times over just under a year. The bank told me that Visa was  responsible because they kept giving XXXX my new card number. It has been extremely frustrating. With everything going on with Wells Fargo I can't possibly be the only person that has suffered through this. When you card is canceled you can go to the bank and get a replacement card however if your funds aren't there because of a fraudulent charge what can you do. While looking into Wells Fargo please look into these issues as well. I don't have all of the date right now because it was ongoing and there are so many it will take some time to research. But they do need to get into trouble. I have been charged service fees while I didn't have my card because they canceled it do to fraudulent charges. They don't care. And it's really frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit card or prepaid card

I was supposed to get my California Middle Tax Refund issued in XXXX. I was told by the California Franchise Tax Board that the deposit was issued on XX/XX/XXXX in the amount of {$700.00}. I never received the card with these funds. I called the California FTB and they told me i had to deal with Money Network. I filed a dispute on XX/XX/XXXX, once I learned that there were 2 withdrawals made from the issued card. Below is the information : XX/XX/XXXX {$700.00} {$700.00} One-time Contribution from CA Middle Class Tax Refund XXXX XX/XX/XXXX ( {$400.00} ) {$290.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$690.00} ATM Withdrawal Fee XX/XX/XXXX ( {$290.00} ) {$1.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$290.00} ATM Withdrawal Fee I contact money network today and was told my dispute was denied. I file a formal complaint with the company. ID # XXXX. I spoke with XXXX. I desperately need assistance with this situation.
Product: Credit reporting or other personal consumer reports

This situation has been incredibly frustrating, affecting both my financial stability and mental well-being negatively. My credit report still includes fraudulent items from which I never benefited. Despite reporting these issues to the Federal Trade Commission, they have yet to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received my full credit report with everything and score