23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am not going to ask Equifax again to leave my credit score alone. Since XXXX/XXXX/2015, they have deducted XXXX more points off of my credit. The only change to my credit was on XXXX XXXX, 2015, I paid XXXX XXXX XXXX and XXXX in full. Yes, both of those accounts has been XXXX. I do n't know why Equifax is ruining my credit, or who is telling these people to ruin my credit, someone is behind all of this and they will be going to jail when the truth comes out concerning the XXXX XXXX XXXX. I guess they are the ones behind ruining my credit in order for me not to qualify for an FHA Loan, however, I have contacted the State Attorney Generals Office, and I have left message for the XXXX Attorney General XXXX XXXX in order to resolve this problem. Equifax is delibertly ruining my credit due to the XXXX. If these people dont stop, I will find there physical location and I will go there and handle my business myself. These people has deducted XXXX points off of my credit in less than a month, for no other reason other than I filed a complaint against them for discrimination. The deducted XXXX more points off of my credit yesterday. If, someone from this Consumer Finance Office does not tell Equifax to leave my credit alone, and place my XXXX points back on my credit score, I am going to Equifax XXXX. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I added {$990.00} to a Skrill account on XX/XX/2024. The purpose was to use for XXXX, which I later discovered is not available on Skrill 's US-based site, only their non-US sites. I then tried to deposit the money into XXXX sites using Skrill 's virtual card, which was incompatible with multiple sites. 

After that, on XX/XX/XXXX, I tried to transfer the money back to my bank account which is an option they provide. 

My account was frozen for a review when I attempted to pull the money out. I received a message saying someone would get in touch with me within 24 hours. 

I still have not received any communication from the company. My account remains frozen with a pending case. I've added " replies '' to my case file to gain insight as to what's going on but no one has responded to me. 

Given the lack of response and being well beyond the 24 hour window for communication they claim to adhere to, I've decided to file a complaint.
Product: Checking or savings account

Money was taken out my account that wasnt authorized several times through XXXX. My account was compromised because my phone was stolen during the time of these transactions. I was a victim of sim swap scam and fraud.I called us bank and they refused to give me my money back. A total of XXXX dollars was taken out my account. I even had to open new accounts because of these issue. Which is bank will have documentation of. 

Here the amounts and when they were taken out. 

XX/XX/2021 ( {$900.00} ) XX/XX/2021 ( {$1000.00} ) XX/XX/2021 ( {$300.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$600.00} )
Product: Student loan

On XX/XX/XXXX, I submitted a XXXX XXXX XXXX and it was denied approximately a month later. When I called XXXX I was advised they could not provide answers over the phone even though a specialized team was handling these requests. I waited for an answer via letter and when I received it gave no further advice as to why this was denied. I called again after the letter was received around XXXX and was advised their was no additional info that could be provided. Much of the information they were seeking such as emails would be hard for me to produce since I attended the school so long ago between XXXX on and off in person and online. I was seeking for these loans to be forgiven as the Federal loans were even though I know they follow different rules. The predatory relationship with The XXXX XXXX to make you complete paperwork quickly and enter into loans without fully understanding what you were agreeing to as well as the predatory way Navient/Sallie Mae handled loans was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of below Inquiries has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX has violated my rights. 

XXXX XXXX/0600 Mortgage Reporters : Inquiry date XXXX, XXXX has violated my rights. 

XXXX XXXX Back Credit Cards : Inquiry date XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 





This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 





I demand you to remove this account from all 3 of my credit reports asap or I will have no choice file suit against your company
Product: Credit card

Got a call on a credit card account that was delinquent and had been turned over to Capital Services debt management to collect the outstanding balance of ~ {$2500.00}. I did not recall having an account with the credit card company, XXXX. I then called XXXX and they confirmed that I DID NOT have an account with them. I then called Capital back, but they would not discuss anything with me unless I gave them my SSN. I was not about to give then any information, so we hung up. 

I looked the company on the Internet and saw/read many complaints. Sounds like these folks are scammers and I wanted to report them to someone official.
Product: Credit reporting 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 items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX 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 the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I filed multiple disputes in regarding this account from Exeter finance Accounts number # XXXX original contract date of XX/XX/year>. This account have been on my XXXX  credit report since. It has been causingconsumer injury to my credit file. i have been recieving denials from creditors due to this account in which was sold and left with a balance of {$6500.00}. It has been removed from the other credit bureraus, XXXX refuses to remove this. This account has been sold to ( XXXX ) and given a new account # XXXX also reaged by everyone purchasing this account, this is wrong and according to the consumer protection act. We are entilted to an accurate credit reporting from all bureaus. This account should not even be listed on my credit it has been 9 years reporting today.
Product: Debt collection

XX/XX/XXXX - called cable company ( XXXX ) to cancel my service. 
Order confirmation # XXXX XXXX XXXX XXXX XXXX given to close account. 
XX/XX/XXXX - dropped off XXXX equipment per instruction. Transaction was logged and an email with return details was received ( see attached ). 
XX/XX/XXXX - Received bill in the mail for {$240.00} for unreturned equipment. 
XX/XX/XXXX - Immediately called XXXX, was directed to a call center and employee XXXX made the correction and provided me with confirmation # XXXX for a {$240.00} credit. 
XX/XX/XXXX - An amount of {$240.00} was posted on my XXXX card by XXXX. 
XX/XX/XXXX - XXXX emailed to inform me that I will be getting a credit of {$230.00} on my next bill XX/XX/XXXX - received collection notice dated XX/XX/XXXX from CCS ( Credit Collection Services ) XX/XX/XXXX - A letter to CCS and XXXX was faxed and mailed. 
XX/XX/XXXX - Submitted a Complaint to CFPB
Product: Credit card or prepaid card

American Express Serve card has been in a total system outage for over 12 hours.Members cannot access their account information nor use the Card for purchases.Off-shore customer service reps are rude and non-responsive - refusing to answer questions, and often times outright hanging up the phone.No ETA for restoration is provided.Card is still offline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent BANK OF AMERICA # XXXX BANK OF AMERICA 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligent Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds parties liable for negligent non-compliance. 

Upon reviewing my credit report, I discovered the following inaccurate or misleading information : All accounts, I previously disputed these inaccuracies but have yet to receive a proper response or corrective action. Under the FCRA, credit reporting agencies and furnishers of information are required to reasonably investigate disputed information and correct any inaccuracies. Your failure to do so constitutes negligence and has caused me financial harm, including but not limited to : Denial of credit/loan/housing/employment Increased interest rates Emotional distress and damage to my reputation Pursuant to 15 U.S.C. 1681o, you may be held civilly liable for these negligent violations, including actual damages sustained as a result of your non-compliance, attorneys fees, and court costs.

To resolve this matter, I demand that you : Immediately investigate and correct the disputed information in compliance with the FCRA. 
Provide a written explanation of the investigation results within the required timeframe. 
Cease reporting the disputed information until verification is properly conducted. 
If you fail to take corrective action within the legally required timeframe, I am prepared to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages. 

Please consider this letter a final attempt to resolve this matter amicably. I expect a response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX/XXXX  XXXX, CREDIT COLLECTION SERVIC XXXX, XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX XXXX, US DEPT OF ED/XXXX XXXX.
Product: Student loan

According to Bidens Student Loan Forgiveness plan, those who were eligible to receive student forgiveness or recipients of XXXX XXXX, XXXX Loans, or XXXX loans. 

Implementing the SAVE plan on a valuable education would be nearly impossible as nearly all financial and economic resources had to be exhausted including parents having to take on second jobs or small business owners working to put their kids through school, only to have those falsehood promises dismissed as false hope. Moreover, its even more saddening and difficult for job seekers who have been out of the workforce to rejoin the private sector or public sector as a civil servant as discriminatory practices by financial institutions charging Usurious rates and engaging in Predatory lending practices to services are ha when in reality, after sending XXXX children to XXXX XXXX XXXX  colleges on roughly half-tuition scholarships, XXXX and XXXX could have provided a bit more private/federal student loans available to make it more accessible for the students not place undue financial burden or hardship on their parents, who would be willing to more money to support them in times of need, whilst jeopardizes their financially security a retirement future, with the implicit and implied social contract to look after them in their old age and ensure that their standard of living was at least as well but no more worse off than before deciding to take on the endeavor of enrolling, attending, and graduating from a world-renowned institution of higher education. In the case where one of the students is unable to obtain gainful employment post graduation, then the family is at risk of bearing an undue burden of debt, so much time money and resources allocated towards that goal and purpose only to have it squandered by the jealousy and envy of peers who believe that their deliberate intentional choice to enroll in an inferior school with inferior rankings according the XXXX and Rankings, should be compensated at least as much as their State school counterparts is simply a matter of pity undue pride or shame on the part of the one who gaslights the ability of the honest hard working American people.

With one or the other child unable to provide or make sufficient income to support not only themselves but be able to afford to live comfortably without having to sacrifice their own health and livelihood to be able to survive.
Product: Debt collection

They are claiming I owe money to Credit management LP a collections company attempting to collect on a debt for an account with XXXX from years ago. I have never in my life had an account with XXXX until about 3 months ago I got internet from them. Ive tried to have them remove this from my name but its still on there and XXXX XXXX will not remove it from my credit report until they verify it with them and its negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 

Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. 

Please provide a audit trail for the accounts and inquiries below. 

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV is trying to make me pay for debts that I did not incur. I have sent cease and desist letters of which I will include.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, I received a letter from PayPal Credit around 3 weeks ago. I opened it up and saw that I owed {$68.00} to an XXXX in XX/XX/XXXX to PayPal Credit. I thought was weird because I do n't have a PayPal Credit account. I called PayPal and told them it must have been fraudulent activity ( because I know I NEVER would have opened a PayPal Credit account ). They said they will look it up and investigate. A week later I get another letter and it tells me it was according to my normal  spending. After carefully looking as to where I would have charged {$68.00} to PayPal Credit I realized that I did charge that amount but it was SUPPOSE to be charged to my normal PayPal account that has enough money to pay for the {$68.00} transaction.
So I called them again but this time asking them why it was charged to the PayPal Credit when I do n't even have a PayPal Credit account. They said that I had one since XX/XX/XXXX. I was shocked because I I know I NEVER would have opened a PayPal Credit account. Now I am upset because 1. They said I gave them my information to open the account when I did n't 2. They opened a new line of credit without my consent and now it will affect my credit score.
3. And IF I did give them my so called " consent '' it was probably due to the fact that it was misleading advertiment
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 my 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 XXXX, XXXX, AND XXXX 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 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: Credit card or prepaid card

i am sorry to use cfpb for this. i want value my relationship with chase. i received 2 notices recently indicating perhaps there is a change with apr in my cards. i hope not. I called and could not get a straight answer they should not be more than 17 percent apr and typically i dont pay interest but i need this clarified. Also i am asking for a favor i had to buy another car on card ending XXXX  i chose my cchase cards i could have chosen any pleasse note i will ask for my interest back. this would mean a lot. it will take me a while to pay it. just due to hard times. thank you and please clarify the aprs on all my cards they did not go up please i am unclear. thank you for valuing me as i do you also have been unable to sign up at credit journey as well