23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity.
Product: Credit card or prepaid card

I was sent a bank statement from US bank stating I had a business account with them, which I never applied for. When I called US bank they stated the line of credit was closed and the balance was XXXX. 

I also recieved a letter from XXXX XXXX regarding a recent application for a Credit card. I never applied for this card. I called XXXX XXXX and no account has been open. 

My bank account was hacked and {$13000.00} was stolen. I worked with my back to close and set up a new account and my money was retrurned to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX Re : Account number : XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XXXX to XX/XX/XXXX for my XXXX I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have been making my payment on time. Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for new accounts. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the any late payments on this account. 
Please send an update to XXXX, XXXX and XXXX to remove the late payments on this account. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash

App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financia
l loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I wasnt given a full disclosure on Kickoff on how they do business.

I wasnt informed that the money that I was paying into this service was only available to spend on line at their Kickoff online store. I was not made aware that I couldnt use the money anyplace else.

Once I was made aware of this I called and explained that not what I was not aware of. I told them that I wanted to close my account.

They threatened that they would report it to the credit bureau as a negative closure of account.
Product: Credit reporting or other personal consumer reports

The Creditor negotiated with me and agreed to delete the tradeline after I settled. 
They consistently reported inaccurate information to the credit bureaus. 
The Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX and force us to continue disputing and take as long as they desire with ultimately the same result. 
Nothing or additional false information! 
The Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent accounts consist of a personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit and auto loans account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), personal loan XXXX XXXX  on XXXX XXXX, XXXX under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 myconsumer 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 andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Transunion ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. F

CRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them. The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleting A Negative Credit Card From My Consumer Report FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Product: Debt collection

I am writing this letter to dispute certain information that is falsely listed on my the credit report. The collection account redeemed or reinstated repossession of an obligation with BMW Financial Services is incorrect. The tollowing is the identifying information of the error : Account # XXXX. Date of incorrect reporting : XX/XX/XXXX Explanation of my dispute : This account was opened on XX/XX/XXXX for XXXX months leased term. It has been XXXX years and XXXX months now and it should no longer appear as a collection or reinstated ; This account listed on my credit report is in violation of 15 U.S.C. 1681. All my payments were completed throughout the 51 months lease terms. My insurance company also paid for the total loss for the car in accident $ XXXX while the value of the car was only $ XXXX. BMW Financial needs to provide a copy of XX/XX/XXXX statement showing the the pay off amount of {$110000.00} under Section 611 ( 5 ) ( A ) of the FCRA- I am respectfully asking BMW Financial to delete this report from my credit report.
Product: Debt collection

I received a notification today about an account added to my collection? The account states that in XX/XX/XXXX an account was closed. I have no prior or present knowledge or agreements with the company.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the  consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Diversified Consultants my mail XXXX XXXX, 2017 asking them to validate/verify 2 accounts listed on my credit report, one for XXXX for {$97.00} and the other for XXXX for {$1700.00}. My letter asked them to validate/verify that they have a contract with my signature to show that I owe them. Their response was sending me identity theft paperwork. This is not what I requested. If they ca n't provide me this information by law these accounts must be deleted from my credit report.
Product: Checking or savings account

My funds with Juno and their third party XXXX XXXX XXXX  have had me stressed since they locked my account in XX/XX/year>! 

My understanding is some people were able to get their money by the banks and others have not. When will this be resolved? How can a FDIC bank allow this? I check XXXX for updates regularly in hopes there is some resolution to this madness. People are hurting tremendously because of their incompetence and shady ways. I need access to my funds that I have worked so hard to save ( XXXX XXXX ) as soon as possible. 

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

Sent Transunion a dispute pertaining to public record on XX/XX/2020. 
Sent Transunion additional information about public record on XX/XX/2020 and that it should not be reported on credit report and deleted immediately. 
Transunion sent me a receipt letter on XX/XX/2020 stating that they received the dispute and additional information and that they would extend the investigation time and do a proper investigation. 
Transunion did not follow through and complete a proper investigation. 
Transunion stated that they verified a bankruptcy being reported on my credit report with USBK COURT XXXX GEORGIA with investigation results dated XX/XX/2020. 
I conducted my own investigation and found that the Bankruptcy Court does not furnish information to vendors and third parties about bankruptcies because doing so would require the courts to provide my full social security number which is against the law. 
The credit bureaus verify public records through XXXX a third-party furnisher and I have no public record of a bankruptcy being reported in XXXX. 
So, how is this bankruptcy verified when the courts does not furnish this information to vendors or third-parties?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent and have notified TransUnion that they are in violation as well as the company that is reporting a collection account on my report. I do not owe any debt I will be pursuing legal action per violation per account. You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a viaolation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

Remove this fraudulent account from my credit report in 4 days you shall block and delete this fraudulent account. Transunion has done nothing to fix this problem.
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card. I have had issues getting my statements from them. I contacted them numerous times asking why I was not receiving statements. I also after the third month of issues spoke with a supervisor. She told me she would set me up for auto draft payments. Today, as I laid in the bed with XXXX, I received a call from Comeity Bank who stated I was late on my payment. They tell me that the auto draft stopped this month. I had to enroll online for the payments to continue. I explained again I didnt have a statement to get rhe number off of. I told her that the last supervisor I spoke to set me up on auto draft and there have been no issues. She told me that I had to go online and she wouldnt do this. She asked me about email statements. I told her that would be perfect and I had not been offered that before this call and that I wanted whatever I needed to do to be able to pay my bill. She stated that it was showing my statements delivered. I told her why would I be telling a lie when I have set my statements on auto draft and their company wont do this but for 3 months? They have charged me late fees and were of no help. I am waiting on my email statement and I paid the bill but the late fees will now be placed on my account. This is so unfair that this company has clearly taken advantage of me. I also told them I was recording this call and they refused to speak to me but they said they were. I told them then I did not agree and they stated they could not speak to me the. Where are the customer rights? Where does this stop? XXXX and XXXX are the two I spoke to today valierie being a supervisor. Please help me.
Product: Payday loan, title loan, or personal loan

When I applied for my loan in XXXX of 2016, the Loan Officer that was taking my application filled out half of my application. Things went by vey quickly, and he was marking boxes, and putting in value of different assets himself. After about a year of making payments, the payment amount did not make sense when I calculated the original loan balance and the scheduled payments. It was not until I called the company and asked them why my payments were so high that I was told I had insurance on my loan. I did not approve of this insurance being added onto my loan. I have also asked for statements and amortization schedules on several occassions. I finally did get a payment summary, but never an amortization shedule at any time when I have requested it. I have also tried setting up my account online, but always get an error message. I also noticed on my payment summary there were a couple of payments where {$0.00} was added to my principal balance. Although my interest rate is high 35 %, there is some portion of my payments that should be going to principal. Furthermore, I did not give permission to put insurance on my loan, and again, my Loan Officer filled out half of my loan application. There is no way to get into your account online, and Mariner Finance does not send electronic statements or statements via mail. They never let you know what is going on with your account, and when you ask for information, they don't come through. They have absolutely refused to send me an amortization schedule. Again, I have asked several times, and have NEVER received one.
Product: Debt collection

4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, PORTFOLIO RECOVERY, XXXX XXXX, XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the XXXX time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten emails from XXXX. XXXX and XXXX starting XXXX stating I applied for multiple credit cards through companies including Capital one and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and XXXX but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a Capital One card in my name. I contacted Capital One and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my XXXX, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too late.
Product: Debt collection

On XXXX 2022 an account was opened with XXXX XXXX Bank in the amount of {$2400.00} and was sold to LVNV FUNDING LCC collection agency. I have NO knowledge of this account, which was opened fraudulently. My dispute came back negative, with no means of communication.