23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  XXXX  is HUD funded. XXXX XXXX  XXXX  do yearly recertification to keep funds for each unit. The Property manager have each tenant to do a recertification then it's sent to corporate for approval then sent to HUD. Corporate admitted on the news they lost the paperwork and have no proof of payments and charged tenants market rate rent because corporate mishandled the paperwork and loss the fund for the units. They moved me out my unit in XXXX and I still live there XX/XX/XXXX. Nobody in the office can locate any paperwork for my unit. I filed complaints with congress, HUD and credit bureaus. XXXX XXXX  XXXX  charged me over XXXX in rent for income based apartment while unemployed during my XXXX treatments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22.00} XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXBalance : {$22.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I WAS NEVER LATE ON PAYING THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX. UPDATE THIS INFORMATION ON MY REPORT
Product: Mortgage

I refinanced my va loan. After I refinanced the home in XXXX I set up auto pay with Mr. Cooper, two of the numbers were transposed and the Payment never went through. I was traveling back and forth for two months due to one of my children having XXXX  XXXX and didnt get a late notice until I returned home in XXXX at which time I corrected the issue and caught up all missed payments. I called Mr. Cooper immediately to try to fix the problem and now my credit which has been above 800 for 20 years is ruined. I tried to resolve the issue with Mr coopers research department only to wait 45 days for then to tell me theres nothing they can do. I had a perfect payment history previously. If there is anything you can do to help I would greatly appreciate it.
Product: Checking or savings account

After I updated my phone number online Wells Fargo effectively froze me out of my account just before I needed to wire funds for a property purchase. I called in and the agent said I had no option to rectify the situation other than driving to a branch, or to wait for an indefinite time for their tech services to fix the issue. The agent offered no substantive solutions including offering to expedite the issue with tech services. I then said I understood that he couldn't do anything to help me, but that I wanted to file a complaint. He said I would have to wait an indefinite time to speak to the escalations department just to file a complaint. It is pretty embarrassing that a billion dollar company operates this way. They hold hundreds of thousands of dollars of funds I need to purchase property and prevented me from actually using it. There must have been some other option to verify my identity. Instead they simply did not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX  XXXX  XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,
Product: Credit reporting or other personal consumer reports

This account isnt mine and the company just closed the account. Im a victim of identity theft.
Product: Debt collection

I have a email from XXXX the original creditor of this debt, on XX/XX/XXXX. It states after the investigation it is determined that Im not responsible for any charges related to the account number # XXXX. The account for the collection agency reporting the debt is Jefferson Capital System LLC acct # XXXX for the amount of {$3300.00}. 

According to XXXX whom I disputed this to, file # XXXX, says that this was sent to Jefferson System and the decision wasnt in my favor. 

What more proof do they wont to stop reporting this and allow this collection to be removed from my credit report. I have sent a copy of this document to Jefferson Capital System LLC XXXX XXXX XXXX XXXX XXXX MN XXXX, and it still is reporting to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/2022 XXXX XXXX XXXX XXXXnquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX Inquiry : XXXX. XXXXXXXX XXXX ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was left a voicemail by a debt collector, XXXX XXXX from IQ Data International. I called back that same day, shortly after the voicemail and was made aware of rental debt that would soon go into collections. I spoke with XXXX regarding the rental situation, and asked about payment arrangements. However, the demanded the full amount which was {$1500.00}. I made her aware that I would not be able to make that whole payment, however I was not necessarily given a choice and was told I would need to pay it on my next payday XX/XX/XXXX in order to avoid it going into collections further. So to get an extension, I paid {$100.00} and also provided my debit card information. My roommate, also spoke with this debt collector and from her words, the conversation then became unprofessional after asking for payment arrangements. I called earlier this week, asking for the same relief, however, they told me I do not have the option of payment arrangements and would need to pay it. Looking online, I seen reports of the same incident and also seen that IQ Data did allow payment arrangements. Payment arrangements would be the only way that I could afford to pay it back overtime. Please help!
Product: Debt collection

I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to Vital recovery services. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to Vital Recovery Services. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by XXXX XXXX. This is totally misleading and deceitful.
Product: Credit card or prepaid card

I opened this account maybe 4-5 months ago. Back in XXXX ( This is for your IT/Coding people ) I clicked Make A Payment and a popup came onto the screen asking how much and it auto filled the payment method. I selected the amount which I believe was {$380.00} on XX/XX/XXXX. I selected the {$380.00} HOWEVER I clicked on " Update or change payment method. '' I'm not sure the exact hyper link description but something like that. I clicked it and changed the payment method. There was a " SAVE '' button to click and I never clicked it. I received an important phone call and ended up exiting the browser ( it timed out ) and I never saved the new method NOR I NEVER CONFIRMED THE PAYMENT. 

Fast forward 2-3 days later and the payment ran ANYWAYS and was returned as NSF. I never authorized that payment period. 

Fast forward another 30 days or so my card stops working. I contact capital one and they say that they restricted or closed my account due to violating their T & C. I never made that payment. Clearly their online system was confused or improperly coded ( please investigate this you'll learn its a bug ) and forced a payment I never authorized. 

So they closed or restricted my account and said that I can no longer use it due to their own system bug.
Product: Mortgage

On XX/XX/XXXX both my husband and I received mail from AmeriSave Mortgage Corporation stating that in regards to our home loan application they preformed at soft credit pull and here is what they found. The letter included our credit reports. I immediately called the company because I was concerned that someone was trying to obtain a home loan with our information. I spoke with a XXXX XXXX and told him what was received in the mail and explained that neither my husband nor I applied for a home loan. He then started telling me that on XX/XX/XXXX around XXXX my husband clicked on their website and filled out our names, address & dates of birth. He then said that he clicked that he was tied to the military. I once again said that neither my husband nor I accessed their website, but clearly someone did. He asked for my email address so that he could send me what their website looked like so as to jog my husbands memory. I said, Sir ... we most certainly are NOT looking for a new mortgage. Someone is using our information and I am trying to clear this up. Do you have a fraud department that I can speak to? He diverted my question and kept reassuring me that it had to be my husband. He then asked what military discounts are we getting with our current mortgage and what our interest rate is. At that point I started to think that the letters in the mail were a deception to get us to call. I asked him again to speak with the fraud department since he was unable to assist me. He transferred me to customer service that never answered the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account US DEPARTMENT OF EDUCATION XXXX CLOSED ) is more than 7 years old. XX/XX/2012 xxxxxx XXXX {$14000.00}
Product: Payday loan, title loan, or personal loan

I have received 2 Fraudulent emails from Ace Cash Express demanding money from me on a loan that I have paid off. ( see below ) ACE CASH EXPRESS XXXX XXXX  ( 8 hours ago ) to me We are talking about the creditor ACE, ( Advance Cash Express ), is a parent company which owns and operates more than 80  parental payday loan websites like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ACE CASH EXPRESS, XXXX XXXX, XXXX XXXX  etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. 

We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/20 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Do reply ASAP. 

Yours sincerely, ACE CASH EXPRESS AND Court Case XXXX Last Date to file XXXX. 


We are going to file a lawsuit in next 24 hours at United States District Court XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 

Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 


Thank you, ACE CASH EXPRESS.
Product: Credit reporting or other personal consumer reports

Last year I experienced identity theft, which adversely impacted my Transunion credit score, dropping it from XXXX to XXXX. The bank involved, XXXX XXXX XXXX XXXX, investigated the issue in XX/XX/XXXX and confirmed that a fraudulent account had been opened under my name, using documents that were stolen from me during a burglary occurred on XX/XX/XXXX in XXXX XXXX ( Police was notified and report is attached ), and subsequently the bank absolved me of any wrongdoing ( bank statement attached ), and they contacted Transunion asking to remove from my credit report the derogatory inquiry. Despite this resolution and despite Transunion being notified of my non-involvement with this issue, my credit score still remains at XXXX as of today, which is problematic as I am attempting to rent a house requiring a minimum score of XXXX. Today I called Transunion and they informed me that despite I dont have any responsibility in this issue, this derogatory mark will remain on my credit report for up to 7 years. So, I didn't do anything wrong in my life and now I'm negatively affected simply because I was the victim of a fraud? This is not only complete nonsense but it also raises significant concerns about the accuracy and fairness of the credit reporting process. What kind of immoral and irresponsible system allows a citizen to be penalized simply for being a victim of a crime? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months.
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 that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its 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

I 've been submitting the information to be removed from my credit report about bk-dismissal and XXXX and Equifax are the only bureaus that keep reporting to my credit report. I 've called the court and they informed me that they do not report to the bureau. I 've been disputing this for over a year now.
Product: Mortgage

Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.
Product: Money transfer, virtual currency, or money service

I made a XXXX page ( for adoption with partner/fiance ) never done it before, not thinking correct someone said they could help me out said they were going to send me a check to my XXXX and all I have to do is print it out and mobile deposit it to my bank account so me not knowing considering I have never even done this or heard of this before I did it. I couldn't pay my rent, landlord, credit card bills, XXXX bills national grid bill plus all on top of that they took my debit / XXXX bank card from XXXX XXXX away because they have to do all that just in case. Me not knowing I never did this before so they took my debit card away for a month I was and still am backed up on bills. That is crazy come to find out it's multiple people sending fraudulent checks and getting the recipients to look like it's all their fault because we mobile deposited it. I didn't even know you could do that I never did this before I thought someone was actually being nice and helping my fiance and I out. Nope it screwed me I'm still screwed I'm still backed up on bills I had to apply for a new bank just because my account was so backed up this is not fair. The check was supposed to be for {$400.00}, I go to check it it says {$1200.00} they said okay just mobile deposit it once it clears send me the rest of the money back. Clearly wasn't thinking right because nobody has ever scammed me before but it happened and I'm sure they have bank account numbers hopefully not my social or anything of that kind. Please do something about this because I am in debt because of this! I even wrote to Chase Bank it was a JPMorgan check. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I place a complaint with Experian and XXXX on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a nine-point negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Capitol One entered XXXX hard credit checks against me today, and I have no business with Capitol One. Please remove it.