23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX told me that the company will help me negotiate my debt to all my creditor, Never informed me that some creditors will never negotiate. I am being sued by American express owed {$7400.00} and XXXX owed {$2700.00} in credit card debt. I notified freedom debt that american express and XXXX sued me. According to XXXX XXXX which is National litigation will help me resolved the problem becaused they do not take care of legal natters. XXXX XXXX emailed me last XXXX XXXX under XXXX and XXXX, XXXX the power of attorney to be notorized and returned the letter the agreement hires them to negotiate and settle my account. Unfortunately, american express and XXXX does not want to negotiate with them. Now, XXXX XXXX wanted me to directly negotiate with my delinquent creditors because they do not take care of legal matters. XXXX terminated my case because someone from XXXX debt terminated it. I notified freedom debt and national litigation that I submitted the letter to court. I am expecting that the company will help me resolved my problems by helping me negotiate with my debt. XXXX sent me the letter XXXX saying I withdrew my membership which I did not do. Can someone help me
Product: Debt collection

I filed a dispute against fair collections & out ( XXXX XXXX in XXXX TX ). I filed the complaint as me Rent/fees were waived due to a break in. XXXX XXXX was the apartment staff at the time who we had to tell about our break in. I attached PDF images of the emails back and forth between me and XXXX and she did per her own words Waive the Rent. My girlfriend and I lived there and she also disputed it. Hers was corrected and removed from her credit and mine has been there for months. I spoke to XXXX on the phone a year or more ago saying they would process it and nothing has been done. Its a XXXX dollar debt but it was unfairly charged otherwise I would have paid it already. Please fix this, I feel discriminated as a XXXX citizen.
Product: Checking or savings account

I recently deposited a check for XXXX with Bank of America into my account through their mobile app, on XX/XX/25 I was told that the check would take 10 days to clear but they cant tell me why, Ive reached out to the paying bank to see what the issue is and was told BAnk of America has not reached out to them to get the funds released. Through the mobile app I was told the check would clear the next business day which it did but Bank of America placed a hold on it and now Im stuck in this situation with no access to my money.
Product: Checking or savings account

I rencently opend an checking account with navy federal credit union, first few of days its fine, and after I enrolled XXXX and send two small amount payment to my another account, what's happed is first, XXXX is been locked after that my account can not login. so I immeditly contact their specialist. First they tell me to summit my ID and 3 times signatures, I did so. Then the second day they tell me I cant sent it separately, it need to be done at the same, I was been instructed to put my id beond the paper with my three signatures. I did. And third day they tell me I got to write ( yes literally write by pen ) a request to change my code word, I did. but them still turned me down. And to day, they ask me to write again, I did so with their specialist on the phone call. And after all those they still do give my access back. I cant even close the account, they tell me to visit a branch but for doing so, I have to go to another state, is totally undue burden. After all those day all those thing I do I still not have access of my account. I spoke with them on the phone for hours, could you imagine that? What a horrible exprence for me. I did everything they tells me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year> T

o whom it may concern. I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts liste d below. Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report. Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, Transunion has failed to remove the account from my credit report, continuing violate FCRA regulations. Transunion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws. please remove the account from my credit report. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

My ex husband used my information fraudulently. I reported and disputed with all XXXX credit bureaus and let them know I was a victim Of identity theft. I provided a police report number and disputed the XXXX  addresses that was also attached to my credit file. They responded, that the account was verified as mine. He has also created various emails in my name. I have been disputing this since XXXX of XXXX. I went to my attoeney XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, he informed me of different avenues to take in order to resolve this matter. I dont understand why or how Equifax can say I own this account. Identity theft, is... ..identity theft. I gave no permissions to use my social security number or personal informarion to purchase goods. I have not seen this person in over XXXX  years. Because we were married doesn't make what he did right!
Product: Debt collection

1.XX/XX/2021 called me harassing me via voicemail 2. XX/XX/2021 called me harassing me via voicemail 3. XX/XX/2021 called me harassing me via voicemail 4. XX/XX/2021 called me harassing me via voicemail 5. XX/XX/2021 called me harassing me via voicemail 6. XX/XX/2021 called me harassing me via voicemail 7. XX/XX/2021 called me harassing me via voicemail 8. XX/XX/2021 called me harassing me via voicemail 9. XX/XX/2021 called me harassing me via voicemail 10. XX/XX/2021 called me harassing me via voicemail 11. XX/XX/2021 called me harassing me via voicemail 12. XX/XX/2021 called me harassing me via voicemail 13. XX/XX/2021 called me harassing me via voicemail 14. XX/XX/2021 called me harassing me via voicemail 15. XX/XX/2021 called me harassing me via voicemail 16. XX/XX/2021 called me harassing me via voicemail 17. XX/XX/2021 called me harassing me via voicemail 18. XX/XX/2021 called me harassing me via voicemail 19. XX/XX/2021 called me harassing me via voicemail 20. XX/XX/2021 called me harassing me via voicemail 21. XX/XX/2021 called me harassing me via voicemail 22. XX/XX/2021 called me harassing me via voicemail 23. XX/XX/2021 called me harassing me via voicemail 24. XX/XX/2021 called me harassing me via voicemail 25. XX/XX/2021 called me harassing me via voicemail 26. XX/XX/2021 called me harassing me via voicemail 27. XX/XX/2021 called me harassing me via voicemail 28. XX/XX/2021 called me harassing me via voicemail 29. XX/XX/2021 called me harassing me via voicemail 30. XX/XX/2021 called me harassing me via voicemail 31. XX/XX/2021 called me harassing me via voicemail 32. XX/XX/2021 called me harassing me via voicemail 33. XX/XX/2021 called me harassing me via voicemail 34. XX/XX/2021 called me harassing me via voicemail 35. XX/XX/2021 called me harassing me via voicemail 36. XX/XX/2021 called me harassing me via voicemail 37. XX/XX/2021 called me harassing me via voicemail 38. XX/XX/2021 called me harassing me via voicemail 39. XX/XX/2021 called me harassing me via voicemail 40. XX/XX/2021 called me harassing me via voicemail 41. XX/XX/2021 called me harassing me via voicemail 42. XX/XX/2021 called me spoke with me very rude yelling at me telling me I BETTER PAY THE LAW DOESN'T PROTECT ME THE CONSUMER AND HUNG THE PHONE UP ON ME WHEN I ASKED TO BE TOLD WHAT LAW IS THAT. BECAUSE TILA IS FOR THE CONSUMER, FCRA IS FOR THE CONSUMER, FDCPA IS FOR THE CONSUMER, TCPA IS FOR THE CONSUMER. I STATED I WOULD REPORT THE VERBAL ABUSE AND HARASSMENT TO THE CFPB. THE REP ON THE PHONE STATED I DON'T CARE SIR AND HUNG THE PHONE UP ON ME. I NEVER GAVE HER PERMISSION TO TALK TO ME THAT WAY OR TO HANG THE PHONE UP ON ME. 
43. XX/XX/2021 REP DEMANDED I PAY A BILL THAT WAS NEVER VALIDATED BY ME AND WAS VERY AGRESSIVE MAKING ME FEEL THREATENED. 
I'M ON THE NATIONAL DO NOT CALL REGISTRY LIST AS OF XX/XX/2021 AFTER I WAS VERBALLY ASSUALTED, HARASSED AND MADE TO FEEL THREATENED BY THE REP FOR THE COMPANY. 
44. XX/XX/2021 RECEIVED A LETTER IN THE MAIL WITH THE COMPANIES LOGO VISIBLE FOR ANYONE TO SEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX/ I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

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

To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these hard inquiries immediately : Hard Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ABSOLUTE RESOLUTIONS would verify the debt. So I took it upon myself to ask ABSOLUTE RESOLUTIONS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

To whom this may concern, I had requested my first free credit report from and had noticed some discrepancies in my report. There seems to be a couple of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit.

Due to the fact that I was succumb with family issue, I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the al inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a third party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report.

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within 45 days of receipt of this letter. ( 15 U.S.C ~1681j ( a ) ( 3 ). )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called XXXX about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX 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.
Product: Student loan

To whom it may concern : Im writing in regards to deceptive practices and misinformation and misclassification of the PLSF public service forgiveness program.

Im a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. During my tenure I was informed about the XXXX XXXX when I lost both my parents to XXXX in back to back years going towards XXXX. With the PLSF program in effect at the time. I proceeded to go back and get my degree for that reason. I took out direct federal loans and promptly applied through XXXX XXXX which is now transferred to MOHELA Services Ive provided documentation and recorded it to the services and my certified employer XXXX XXXX XXXX XXXX XXXX Department in regards to the payment of credits that is accounted through the Federal Student Aid website. I continue to be led on to believe I will get the credit towards my PLSF loan forgiveness. The program itself is deceptive even from its inception in XXXX and led people to believe something will occur to help people that sacrificed their lives for the sake of not being directed properly. 


What the Serviicers like XXXX XXXX MOHELA are simply an extension of the Department OF Educations misdirection with its borrowers. Its no wonder there are lawsuits that happening. What they are only trained to do is falsely promote, provide misleading information and deceive people with qualified Federal loans and put their accounts in deferments without the proper approval of the borrowers knowledge to achieve accure loans in interest payments towards the borrowers. Effectively, they are accumulating these loans with interest and selling them off to other lenders or borrowers. 

When borrowers would call they would simply be told they are working on it and to call back in a couple months or make false statements to borrowers about their loans. This has been a practice and problem that has become common for years of abuse towards borrowers about how theyve been treated throughout the years of trying to find out when they would get the credit they deserve for sacrificing their public service duties to the PLSF program. This needs to stop and borrowers need to be able to be aware of these issues and practices that are happening. Im in need of help in this process to properly understand these organizations that continue to mislead the people that dedicated their lives to help others. 

Please feel free to reach out to me in regards to this matter at XXXX. 

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

Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

I was incorrectly charged a late and interest fee from Syncrony Bank. After one complaint, they removed the late fee. Then in interest fee showed up on my online account. So I chatted with an online customer service rep and they said, interest fees can not be removed. So I called their customer service, and service rep said, interest fees can not be removed. Luckily I knew I could ask to speak to a manager, so I did. I spoke to a manager,  they said interest fees could not be removed. So I spoke louder with a deeper voice and the manager said he would see what he could do. The interest fees where finally removed. I asked to speak with another manager about this policy of lying to their customers. She said that the customer service reps in fact do not have the authority to remove interest fees. But the customer service rep did not say that he could not remove the fee, just that it could not be removed. Luckily I know to fight back but Im guessing most people do not know that they have to argue and get upset for the company to do the right thing. My fee was a very small amount and it took me nearly an hour to sort out. Im guessing they would put up a much longer fight over a larger fee. Its wrong for them to lie to me three times saying, the interest fee can not be removed, when in fact it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my data to be stolen.