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

On XXXX, a handle named XXXX XXXX with a Cashapp handle of $ XXXX XXXX. He claims to be from XXXX. He asked for my XXXX information and has my phone number. He videocalled me to " confirm '' his identity with me. Shortly after contacting you, he wanted you to know him and his story on an extremely specific and personal level. He will be an orphaned XXXX years old teenager with multiple siblings and both dead parents. If you look carefully between photos, these children will not be of the same number/age/gender between photos if you look far and wide enough between them. He partially guilt tripped me by begging and quoting Biblical scripture. He claimed to have but very little/no other relatives. And that hes looking out for his brothers. He will not have enough money for food.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Credit Reporting by TransUnion XXXX  Account I am submitting this complaint regarding an inaccurate account reported on my TransUnion credit report. The account in question is listed under XXXX with the partial account number XXXX. It is negatively impacting my XXXX XXXX and is marked as derogatory. 

The account details are as follows : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$500.00} Original Creditor : XXXX XXXX XXXX XXXX Status : Derogatory Account Responsibility : Individual I believe this account has been inaccurately reported in violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

I submitted a dispute with TransUnion on [ date ] requesting an investigation and correction of this error. Additionally, I contacted XXXX  and XXXX XXXX XXXX  XXXX, but the issue remains unresolved. This inaccurate reporting has significantly damaged my credit score.

I am requesting an immediate and thorough investigation. Please provide a clear explanation of the investigation findings and take corrective action to remove or correct the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX. 
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 accounts 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 these 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: Money transfer, virtual currency, or money service

I have my Cash App since 2018 and I made a purchase to somebody sent the wrong money. They never contacted me with the amount that was sent and I wind up losing my money. It was nobody I could contact to make the transaction refundable.
Product: Credit reporting or other personal consumer reports

I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXX,XX/XX/2022 XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXX of XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, Experian and XXXX have failed to prove that the debt in my credit report is in my name. I have sent multiple dispute letters without resolution and I would like them to remove the incorrect information that is in my credit report and only report what should be under my legal name.
Product: Mortgage

I've trying to pay my mortgage online as ( I have for years on time ) for the last week and the loan servicers website is down and has been for several days. After doing some online research, it is apparent that the loan servicing company has been hacked into. That's a whole nother issue involving the potential for my sensitive information being stolen. My immediate issue is that I can not pay my mortgage on time if their website doesn't come back online before the XXXX of XXXX. I have never missed or been late on a payment and am concerned that my credit score would take a hit and show as a late payment through no fault of my own.
Product: Debt collection

I was a victim of identity theft and noticed a collection from HILLCREST DAVIDSON I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HILLCREST DAVIDSON in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX  bankruptcy XX/XX/XXXX. I entered a reaffirmation agreement with Santander to keep my vehicle and continue making payments. This agreement was filed with the court on XX/XX/XXXX. After filing bankruptcy Santander is no longer reporting my loan payments which is causing a negative effect on my credit report. My bankruptcy attorney reached out to Santander in XX/XX/XXXX. They advised my attorney their policy is to no longer report payments once a bankruptcy has been filed even if a reaffirmation agreement had been entered. My XXXX XXXX trustee said she had never heard of this and to file disputes with the 3 credit reporting agencies. I sent dispute letters on XX/XX/XXXX to all 3 reporting agencies. I've been told the information can not be verified therefore, can not be added to my credit reports. Since purchasing this vehicle in XXXX all payments have been made. The vehicle was not included in my XXXX XXXX and I continued to make monthly payments. My case received a discharge. All I request is Santander report my loan payments so I can receive proper credit and my credit report and score reflect this information.
Product: Payday loan, title loan, or personal loan

I had an installment loan wit h Conn 's that I ended up paying off early. I contacted Conn 's  on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   to find out where my refund check was as I had overpaid. The customer service representative, told me on both occasions that they sent a message to the credit department as they were the ones that had to contact me. On the second occasion, the customer service representative told me that it w as Conn 's policy to ap ply the refund amount to other existing loans, if applicable. I specifically requested for a copy of that policy but never received it.
Product: Vehicle loan or lease

Ive bought a use car at XXXX auto at that time I was really needing a car for work they did sell for tax Id holders the interest was so high 23 % I financed for 6 years I already paid 3 always on time I call to refinance they dont do it because theyre only a loan company not a bank. Even for that i think they should come up with a solution for good payers but never did. Im trying to get better rates. Otherwise Im surrendering the car. The interest is so abusive. The car is a XXXX XXXX and I pay monthly {$550.00} dollars. For the type of car and the credit that I Have this car should cost me XXXX monthly.
Product: Vehicle loan or lease

I was approved for 4,67 % APR through XXXX XXXX, all the sudden once I applied it raised to 10.75 % APR, it is a false advertising and it is illegal, if they will not fix their own mistake I will sue them. 




XXXX is their website, it is not listed as financial institution on your website thus I put XXXX
Product: Student loan

Account # XXXX On XX/XX/XXXX, I received a statement that I owe {$13000.00} and my payment is $ 136 monthly. Today ( XX/XX/XXXX, I called Nelnet, the Loan Servicer, the woman informed me that I owe {$52000.00}. When I informed her that I have the paperwork saying that I owe {$13000.00}, the woman said it's not true and I probably took anpther loan. I didn't take any loans and I am not in school. I am working. The letter clearly states : Current Balance : XXXX Last Payment : ( Effective XX/XX/XXXX ) : XXXX, XXXX Regular monthly payment : XXXX Current amount due : XXXX My loans are 20+ years old. I qualify for forbearance. 
Williling to pay minimum payment but not {$600.00}.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Employees at Toyota Motor Credit Corporation sent out a counterfeit document through the Postal Service containing a falsified name which is not me. When did a dead person go and purchase an automobile and how can such said person pay a debt if they are dead in Law? 

Meanwhile it unlawful to utter counterfeit document through the mail service to cause official oppression which add more problems to the injury already sub-stained. Where are the generally accepted accounting principles for the loan? Any repossession requires a detached and neutral judges signature to do. Otherwise Toyota Financial Corporation gets sued in federal court. This is the reedy for cure. Employees can not repossess my property without proving me with my original note along with all funds they made off the note as the actual in real time borrowers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to XXXX XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they BSI Financial Services is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with BSI Financial Services my FIOC score was in the 600 hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly BSI Financial Services violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that BSI Financial Services remove the Chapter XXXX from my credit report my account number with BSI is XXXX.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX 



Im begging you plese remove this to the credit report
Product: Checking or savings account

account owner XXXX XX/XX/XXXX social security deposit made XX/XX/XXXX bank notification only the deposit being reversed -- no notification from social security admin directly. XX/XX/XXXX withdrawl for XXXX listed on statement as " partial pay to treas '' XXXX reflects no credit ever made being taxed on full amount. Contacted bank was advised payment being held until full amount received, refusal to credit partial or return to fiduciary the reason given was that they can not be sure payment will be made.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Chase Bank XXXX XXXX. I made XXXX payments in XXXX ; my regular payment, plus an addition {$5000.00} which was to go to principal. In XXXX Chase XXXX credited this second, additional payment to the principal. Then showing my principal balance of {$1700.00}. I have a printout dated XX/XX/2022 that shows my principal balance of my vehicle was {$1700.00}. 
I then went online the following month, XXXX, to make my regular payment, and Chase Bank XXXX, reversed my {$5000.00} principal payment and counted it toward my XXXX payment! Now they show my principal balance is {$6700.00}. 

We all know they did this intentionally to put more money ( interest ) in their pockets. 

Please help. Please investigate Chase Bank! What they did has to be fraud! This bank is taking advantage of people!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX0 I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address isXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. My name is XXXX XXXX XXXX please delete ( XXXX XXXX ) it is not my name. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : 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: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of auto financing accounts opened from XXXX XXXX XXXX  on XX/XX/XXXX, XXXX account open from XXXX XXXX XXXX XXXX on XX/XX/year>, account open from XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX a, account open from XXXX XXXX XXXX XXXX on XX/XX/year>, account open from XXXX XXXX XXXX  XXXX  on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/year>, XXXX XXXX XXXX  sent a {$2700.00} balance transfer check to Comenity Bank ( XXXXXXXX XXXX XXXX XXXX ). A check trace confirms that Comenity received and cashed the check on XX/XX/year>, but the payment has not been applied to my account. 

Since then, I have contacted Comenity multiple times over the past XXXX months, yet they have not provided any proof or attempted to investigate the issue. As a result, I am being charged interest and fees, and my credit report reflects an incorrect balance. 

As of today, when I called Comenity again, I was told they would submit a dispute, but they refused to provide proof of the dispute number or allow me to speak with their dispute team. Additionally, no one has followed up regarding my previous calls and concerns. 

I am requesting CFPB assistance to ensure Comenity properly applies the balance transfer, removes any unfair fees, and corrects my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been sending the CRA 's XX/XX/XXXX EXPERIAN, AND XX/XX/XXXX XXXX letters since XX/XX/2020 disputing negative and old accounts that they have refused to removed.the second letters was on XX/XX/2020, and the 3rd letters was XXXXNeither time has they responded to either of the letters.they are violating my rights by not deleting inaccurate and incomplete information from my credit report. i will attached copies of the letters below.
Product: Debt collection

After looking through my consumer report I noticed that Sequium Asset Solutions is unlawfully reporting nonpublic personal information on my consumer report. I never was given the opportunity to dispute the debt within the XXXX  days period as outlined in 12CFR1006.34 ( c ) ( 4 ) ( i ). I was not informed of my rights to dispute the validy of this debt which is a direct infringement of my consumer rights. Me checking my report is the first time me finding out this information. Furthermore pursuant to the Fair Credit Reporting Act, 15 Usc 1681b which outlines permissible purpose in obtaining a consumer report, Sequium Asset Solutions did not obtain my written consent to furnish any nonpublic personal information on my consumer report. This also violates the Privacy Act of 1974 which mandates the protection of individuals personal information held by federal agencies and certain organizations. By unlawfully reporting nonpublic information without my consent Sequium Asset Solutions has infringed my privacy rights. In the report it states that I allegedly owe {$170.00} to Sequium Asset Solutions but I never done business nor have a contract with them to owe them any debt. I request documents below that will prove that I owe this alleged debt to Sequium Asset Solutions and I'm also requesting the purchase agreement between sequium Asset Solutions and the original creditor. The following documents I request that will prove that I owe this alleged debt are 1. Forward flow Agreement 2.Audit Trial 3.Chain of Custody 4.Chain of title 5. Account ledger 6.Affidavit of debt 7.Affidavit of Custody 8.Orginal fue holder en course of this debt. 
I'm also ceasing to communicate with me via email text and calls all communication must be held with CFPB