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

They are constantly changing my payment and they know I am doing XXXX treatments and my family helps getting my payments to them. A couple of months ago their system was down and they couldnt take a payment over the phone and they they tried to serve me with court papers until the sheriff was told about it and it was dropped. They constantly called me 5 times a day leaving 4 to 5 voicemails and I have the proof on my phone. They have tried to serve me with court papers several times and each time its been dropped because of wrongdoing of their part. Im getting really tired of this. Just last month I made my payment and yet the next day they called and claimed I owed fees of {$67.00} and then the day after the voicemail claimed it went up to {$100.00} now Ive two voicemails in the same day stating its {$250.00} and they are calling again making it a total of 5 calls and 3 voicemails now and its not even XXXX. This is complete harassment they are going to cause me to lose my job Im not allows this many phone calls. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

The letters are stated with items and issues. 

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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

Attached is my letter in regards to allegations of a debt owed. I am raising concerns of security fraudulence and I am concerned that I have been misinformed and seek clarity in regards to information that was not provided to me. 
After speaking with the Federal Reserve Bank and reviewing documents provided, I would appreciate that my concerns attached in this complaint are addressed clearly and conspicuously.

However, ECMC continues to avoid my attempts at resolution and responds to my CFPB complaints as duplicates. Appearing to not look at the case. In this case suspected fraudulence and false and misleading information. This is the last effort for the company to resolve this matter before I am forced to seek legal action due to threats, coercions, security fraud, false and misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX Account name : XXXX XXXX XXXX In Date opened : XX/XX/2021 Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached XXXX
Product: Payday loan, title loan, or personal loan

Netcredit is reporting incorrect amounts due to XXXX causing me to ot be approved for a y addiction assistance and loans for other company based on thr negative deragotory remarks netcredit has placed on my personality file
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX my Key Bank debit card was used to make multiple charges to some place called ( XXXX ) XXXX XXXX XXXXXXXX Pa Usa. There are many different charges and of different amounts. I do not know what this place is and I did not make or authorize any of these charges. I filed a dispute with Key Bank, but they declined my dispute. I disputed it again as I am not a fault for these charges. My dispute was denied again! I am not sure why my dispute is being denied, but I am now on the hook for purchases that I did not make. This is not right and I don't know what to do?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

Creditor Date of inquiry 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX NA - XX/XX/XXXX 3. XXXX OF XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  IN - XX/XX/XXXX 6. XXXX XXXX XXXX CO - XX/XX/XXXX 7. XXXX XXXX OF XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  FINANCI - XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX AUTO FIN - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX IN - XX/XX/XXXX 13. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation oXXXX XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX : {$820.00}.
Product: Credit reporting or other personal consumer reports

I was incarcerated from year XXXX - XXXX. I have never applied nor received any stimulus, XXXX XXXX, filed taxes, or applied for credit. However my credit report reflects otherwise. Its XXXX. I have filed report after report with no response from anyone.
Product: Mortgage

I have tried repeatedly to obtain a loan modification have been asked for the same information three times and verified that they received it and it was what was requested the last time i was denied according to them due to the fact they stated that they were blocked on my telephone the only block that was on my phone ( it has bee turned off ) was annomoyous callers they have since been calling me on my business phone in spite of repeated requests to only call my home what kind of bank hides their caller id when dealing with a consumer they are attempting to supposedly help
Product: Debt collection

I am under a lot of stress due to the fact that Navient, the Loan Processing Company,  keeps on harassing me for payment by email and phone. My current XXXX  conditions and the XXXX  which I have been taking for the last 20 years for XXXX, XXXX XXXX, XXXX problems, XXXX XXXX XXXX, and XXXX problems, places me in a high risk group of Covid-19.Therefore, I kindly ask once more if you would take my case. 

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

There are unauthorized credit inquiries on my credit profile.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX  they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Debt collection

This is not mine cause if it was i would not have XXXX under my name now and my bill with them is completely up to date!!
Product: Credit reporting, credit repair services, or other personal consumer reports

the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) states that any inaccurate information reported on my credit report can be removed, and also I can be awarded XXXX to XXXX dollars in relief if found that damages have occurred. 

I disputed the information through experian, only to have the information provided further incorrect.the two accounts in question were from XXXX XXXX and they were secured loans, the amount of the loan taken did not exceed the amount in the accounts. 

After I disputed it, it listed the loan as taken in XXXX but that my account was satisfactory in XXXX which is inaccurate due to the loan being taken out in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report on XXXX and noticed that my personal address is wrong. According to XXXX it states that i lived at XXXX XXXX in New York totally wrong and on experian is states that i lived at XXXX XXXX XXXX XXXX XXXX wrong again my only true address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

THIS IS NOT MY ACCOUNT AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with theseaccounts, ( i.e.anORIGINAL CONTRACTBEARINGMYSIGNATURE ) XXXX formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Product: Debt collection

Northwest Colletors is reporting a non paid red light ticket XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 
I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax even when you reported back to the CFPB account removed it is still showing on my Equifax report please remove it this doc was reported on credit karma but your web still shows it
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, Violate Customer service 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 Resolves 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 card

I paid off my entire balance of discover card that was stated in my last billing statement. My balance was over {$3000.00}. I made small payments on time for over 8 years until finally I was able to pay off the entire balance. Once the balance was paid off, I stopped recieving statements. I assumed this was normal since I paid the entire balance off. However, I recently checked my credit and it went from XXXX to XXXX. Upon investigation I found that Discover card had reported I had missed 4 payments and was delinquent. This troubled me as I was under the impression my entire balance was paid off. Discover card told me that I had {$45.00} dollars in interest remaining. When I asked why they did not send me a statement or call me notifying me after the first missed payment or telling me I still had a balance, they said my statements had been returned. However, I have not moved in over 5 years and my number is the same number they had, I even asked the representative to verify it for me. Prior to this issue, none of my statements had been returned. I was receiving them monthly. In fact, this is how I knew how much to pay off. Of course I would have paid the {$45.00} remaining interest had I known. I have never missed a payment, and was working hard to get out of debt. But unbeknowest to me, I still had a balance. I asked discover if they can fix this with the credit bureau, however they said it is too late because it is already reported. I feel this is extremely unfair. They can not report missed payments when they did not send any statements notifying me of balance for 4 months. I was under the impression the credit card was paid off and because I did not receive any statements, I had no reason to believe otherwise. Furthermore, they did not call or notify me once I missed one payment and y address and hone number has been the same for 5 years. I have been a loyal customer for over 8 years and feel this was dishonest and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have open disputes with Transunion today XX/XX/19 make 30 days and my disputes still havent been resolved.
Product: Debt collection

I have submitted four disputes with XXXX asking them to verify of immediately remove this collection from XXXX XXXX  from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report I noticed several fraudulent and inaccurate accounts.
Product: Credit reporting

These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}
Product: Credit reporting or other personal consumer reports

Please have this fraud alert removed, I never initiated any of these fraud alerts.
Product: Debt collection

Resurgent sent me a credit card statement and that is it. 

My original credit limit with XXXX XXXXXXXX was {$1500.00}, the statement reads that I was behind in payments {$590.00} making my new balance {$1900.00}. 

Which is a total misrepresentation of the actual amount owed. 

The statements suggest that I had only made {$73.00} in payments which is not true. The reference ID is XXXX. 

They have not threatened legal action for this wrong amount of money and are sending non stop emails, I never even gave them my email address. They are trying to strong arm me with legal action so as to stick me with an overly charged about of money.
Product: Mortgage

At the beginning of the year, I was notified that the value of my home went up significantly - from {$440000.00} to {$580000.00}. I fought this with an appeal, and won. The tax assessor sent me a notice of determination with my home having its original value for what I bought it for in XXXX  at {$440000.00}. So the value of my home has never changed. 

When I noticed on my mortgage payment that I had a significant increase in my monthly amount that was due ( instead of {$3200.00} it went up to {$3800.00} ), I called my mortgage company to let them know what was going on and that I needed another escrow analysis done. It was during this conversation that my lender noticed that they paid my XXXX  property taxes to the wrong property. Two numbers were transposed on my schedule ID and that is why there was a mix up. Where this error came from, I'm not aware.

In the meantime, I made my regular mortgage payment ( at the {$440000.00} value ) of {$3200.00}. My mortgage company is holding these funds in " suspense '' and will not apply them to my mortgage payment for XXXX until I provide them with another {$600.00}. I am a XXXX XXXX  and XXXX  mother of XXXX XXXX, I do not have an extra {$600.00} to put towards a mortgage payment that will, hopefully, be anywhere near that once my XXXX  taxes are properly paid and my escrow analysis is complete. I've made several phone calls to my lender and have talked with a supervisor who is also unable to help me.
Product: Money transfer, virtual currency, or money service

Hello, I am facing an issue with PayPal. I am a XXXX  citizen and an incoming XXXX XXXX  at the XXXX  XXXX XXXX in XXXX. Since I will be starting in the XXXX XXXX  ( XX/XX/year> ), I needed to find housing before arriving in XXXX. 

I found a rental offer on a XXXX XXXX recommended by my university for off-campus housing ( link : [ XXXX XXXX XXXXXXXX? XXXX ] ). I attempted to send the landlord a deposit of XXXX XXXX to book the room. Initially, I sent nearly XXXXXXXX XXXX, but when I tried to send the remaining amount, PayPal deactivated my account. 

When I inquired about the reason, PayPal informed me that I posed a risk. I provided all necessary documents to verify the legitimacy of the transaction, including my government ID, the landlords ID, the rental contract, and my official letter of admission from the XXXX. Despite providing all this information, PayPal made no effort to reconsider their decision and informed me that it was final. 

This situation has caused significant delays and challenges in securing housing for my arrival in XXXX. I feel this decision is a serious violation of my rights and am seeking a fair resolution.
Product: Debt collection

I contacted a loan specialist in regards to our credit report to begin the process of owning a home again after a foreclosure. When he looked into our credit he told us that there is a judgement against us. We were not aware of this so I contacted the clerk of courts. They said that there is a judgement and if I understand this correctly they said the judgement went into a lien. They gave me information on the case so I contacted the law firm that is involved and asked them about it. I tracked down the original creditor because the law firm does not do settlements and the original creditor sold the account to Capital One. I contacted Capital One and they told me the amount of the judgement is around {$6000.00}. The amount that we actually accumulated on this card was a little over {$1000.00} and this is an old debt. I asked them why the amount we owed is so much. They said late fees, interest and court costs have accumulated but they would accept {$4400.00} so the lien can be lifted. This credit card was one that was being negotiated by a debt settlement company that we were working with that turned out to be a scam. Before this credit card debt could be taken care of, the debt settlement company collected their fee from us then disappeared. The law firm claims that all the information they got from this creditor was being sent to the debt settlement company which no longer existed. My question is, why did n't they then get in touch with us before the amount on this account got to be what it is??? This debt is many years old. I told them that I could not send the entire amount of {$4400.00} but that I would send it in three payments of {$1400.00}. I am working with a credit counseling agency right now and this does n't sound right to them either and finds it suspicious that a credit card debt would go into a lien. I already sent the first payment but I am now wondering if I should send the remaining two payments just in case this account can be settled for the amount of the first payment I sent of {$1400.00}. Can I get someone to help me with this issue? This account is not on our credit report from what I can see and I 'm not sure how the loan specialist came across it.