23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received a call on XXXX/XXXX/XXXX at XXXX in the morning from Zenco Collections XXXX XXXX XXXX XXXX , TX XXXX on a auto loan incurred in XXXX, with a remaining balance plus interest incurred after the vehicle was surrendered back to the finance company in XXXX, XXXX being 90 days past due payment. At that point I had been laid off from my job and could not meet this obligation on unemployment insurance. At the time I surrendered the vehicle, I was unable to attend my father 's funeral for lack of funds. 
This morning I was threatened with wage garnishment, legal action to seizure of assets, and potential incarceration unless I agreed to immediate payment of {$2000.00} or a minimum payment schedule of {$50.00} per month to pay off the debt. While I agreed to this since I have no means to defend myself in court and I was under pressure by their threats, I explained to them that I was currently on half-hours in employment and having trouble covering food, shelter and daily expenses. My wife retired prior to my hours being reduced and is on a fixed income. I have been putting off medical and dental work because I am unable to afford the deductible/copayments at this time. They insisted that I MUST give them an answer at this moment or face legal action. 
After Checking about dedt collection and finding that the debt was beyond 4 year Statute of limitations. I contacting the States Attorney for Consumer Affairs. I cancelled the debit card that I had given to these people, understanding that the debt itself was past collection limit, and that the pressure used was unethical and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint will be my Follow up Complaint for the previous Complaint I submitted exactly 15 days ago. On my Previous Complaint, I requested that the Credit Reporting Agencies conduct an investigation on my Credit file since I found way too many inaccuracies and misleading information. In accordance with the Fair Credit Reporting Act, I am expecting that the Credit Bureaus involved on this matter will be doing what they are supposed to do and remove the account completely from my Credit File or correct the information they present on my Credit. The following accounts must be investigated and corrected : XXXX CARD XXXX Balance : {$0.00}, and XXXX XXXX XXXX Balance : {$0.00}. These accounts were reporting invalid and inaccurate information negatively impacting my Credit Worthiness. I also sent dispute letters to the Credit Bureaus dated XX/XX/2023, as I will attach these letters on this complaint. These accounts were already verified by the creditors as we both agreed to remove these accounts completely from my Credit Reporting. I look forward to correcting my Credit File from all the erroneous and misleading information that have been reported on my Credit File.
Product: Credit card

I sent all kinds of information to Discover Card about the charge by a scam company XXXX XXXX XXXX which used a fake owner well known XXXX XXXX XXXX XXXX selling XXXX XXXXI ordered XXXX bottle and the company never sent me any confirmation. Once I received notice from ddiscover that I was being charged {$230.00} I emailed and called the company to candel my order. They went ahead and sent the product with XXXX bottles in the bag I returned it immediately to their return address XXXX XXXX XXXX XXXX XXXX Fl and never received anything acknowledging that. 

The company did follow up with an email offering a discount and I never accepted it. 

They committed fraud using XXXX XXXX 's name and the Company XXXX XXXX XXXX  defrauded me out of {$230.00} and Discover Card will not help and considers the dispute closed
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX {$540.00} This collection is the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name
Product: Money transfer, virtual currency, or money service

I recorded the conversation of chat between citibank and me for the one transaction to cancel the dispute and made two or three phone calls to cancel the dispute. But they are are not doing it. I am USA citizen  and staying in XXXX as per doctor instruction being a native of that country. I transfer my saving and pension money every month and had a problem this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed every account on my Transunion credit report, all accounts because it was some kind of error on each account. In stead them removing the closed accounts they re-opened every account.
Product: Credit reporting or other personal consumer reports

I had two credit inquiries on my credit file. XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove this from my credit report at the earliest opportunity!
Product: Debt collection

The company claims that I owe them, I have not received any communication from the company, but they keep reporting to the credit reporting agencies as I am in collection. In XXXX, I disputed this and asked for verification. I did not receive any communication, the credit agencies adjusted the date to a debt that is 6 years old/same time as my bankruptcy. These companies keep hurting my credit even though this debt is nearly 7 years old, the credit agency says that the debt will fall off in 6 months. But I do not want that on my records for another 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX XXXX XXXX. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of account # XXXX on my credit report. Despite previous attempts to resolve this issue, including providing detailed evidence, the errors persist. The account is being reported as active with a credit limit and past due balance, which is incorrect for a charged-off account. This ongoing misreporting is damaging my credit score and hindering my ability to access financial resources.
Product: Checking or savings account

On XX/XX/year>, I received a cashapp debit card in the mail. I do not have a cashapp account and did not request a card. My wife and I called on XX/XX/year> to notify them of the fraudulent account. We provided them with the information they requested via email and upload, and were under the impression that they would close the account. We also requested that they do not open any other accounts using my information but they refused. After notifying the FTC, I was advised to get a statement from them stating that it was not my account and that I am not responsible for it. My wife and I called on XX/XX/year> to request the letter and were informed that the account hadn't even been closed yet. We requested that it at least be frozen and they refused. We requested to speak with the fraud department and they refused. They said they needed to investigate before closing the account. Any reputable financial institution will put an immediate freeze on an account if it is reported as fraudulent and then investigate. I emailed them requesting that they close the fraudulent immediately and send me the requested letter. I have not heard back and had to contact a lawyer to try to resolve the issue. My wife called back and asked for the address to send legal paperwork and they refused and said to send it through email.
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 an 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 air resolution requirements under the electronic fund transfer act ( efta ) And regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 these account has violated my rights Account : XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's XXXX XXXX that is suing me but when I contacted XXXX XXXX on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called Mandarich Law Group where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.
Product: Credit reporting or other personal consumer reports

Driving license, Ss card I also despite something an it's still there
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #
Product: Credit reporting or other personal consumer reports

received a copy of my credit report and the following items to be in error. This is a Collection account that has be sold to a 3rd party so therefore it forfeited its right to try and to collect any in accurate debt. Section 604 15 u.s.c 1681 B states that the credit reporting agencies do not have the right to report without my written consent. By law section 605 A 15 u.s.c 1681 C-2 states that with no consent it is considered identity theft and all in accurate accounts must be deleted. By the provisions of the Fair Credit reporting act, I demand that these items be removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. PLEASE REMOVE ANY INFORMATION THAT THE CREDITOR CAN NOT VERIFY. I understand that under the 15 U.S.C Sec. 1681i ( a ), you must complete this reinvestigation with the next 30 days of the receipt of this letter. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with the Fair Credit Reporting Act law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, NOT A COMPUTER GENERATED CONFIRMATION. Please note names and business addresses of each individual with whom you verified the information with above. I will also like to know if the furnisher provided you with my SSN, signature and agreement to pay. Provide signature on contract or document that holds me responsible for the alleged debt. Also send proof that you are licensed to collect debt in my state. This letter sent as my formal debt validation request, which I am allowed under the FDCPA. Please forward an updated credit report to me after you have completed your investigation and corrections. PLEASE DO NOT VERIFY AS ACCURATE without providing me VALIDATION and PROOF! I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Any verify as accurate without 100 % accuracy validation and proof will cause me to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please Delete the following items off my credit report immediately.Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1.00} each Per 15 U.S.C 1692k : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code- permissible purposes 15 U.S Code 1681 C-2 " blockage of information '. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting or other personal consumer reports

The following inquiry accounts below are on my credit report and they are all unauthorized. I repeat, THE PROVIDED INQUIRY ACCOUNTS ARE UNAUTHORIZED AND SHOULD BE REMOVED. PLEASE REMOVE THE FOLLOWING ACCOUNTS AS I HAVE NO KNOWLEDGE OF THEM AND UNAUTHORIZED INFORMATION SHOULD NOT BE PERMITTED ON MY CONSUMER CREDIT REPORT. Please remove the following unauthorized inquiries on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5100.00} ; 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: Mortgage

I was misinformed about auto pay.  I made a manual payment back in XX/XX/2019 for $XXXX of which $XXXX was principal and interest and $XXXX was additional principal and was told auto pay would not process.  It DID process.  They held onto my money and I never received the overpayment checks back to me.  Then they said the overpayment will post to July mortgage. It never did so I made another manual payment.  Then in XX/XX/XXXXI received a past due notice about my mortgage which I had to again tell them they are holding onto my money and then finally they applied only the $XXXX to my XX/XX/XXXX mortgage which means they still owe me $XXXX.  Three weeks later, today XX/XX/XXXX, I called to get an update on where my check is and they said i have to wait until XX/XX/XXXX because its still being investigated.  They are providing false information to play with peoples money.  I have yet to review my credit score to determine if they late payment they applied late to my account was reported to the credit bureaus.  They told me things after the 10th of the month get reported but I have to check.I have spoken to 5-6 different managers to get this resolved and it has been extensively delayed.  All transactions were done electronically so its not difficult to track and see the history.  I strongly believe there are many other victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

I do not recall having this account and I do not recall ever paying late on a account that Im not sure that I myself opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian XX/XX/XXXX to dispute open student loan accounts that were closed in XXXX. I also contacted them XX/XX/XXXX to dispute the same accounts. Each time after their investigation items come back as accurate and unchanged. I have a letter from the Dept of Education illustrating that the accounts were closed as of XXXX. Experian did not do the disputes and failed to provide me with communications that they had with the creditor. Had they legitimately investigated the dispute the Dept of Education would have sent them the same letter they sent me verifying the status of the account.
Product: Checking or savings account

Chime emailed me & locked my account due to a deposit made into my account from XXXX. When asked to email verification they still havent opened my account.
Product: Debt collection

Debt company, Viking Client Services, is stating that I owe an alleged debt in the amount of {$350.00}. This is completely false and they have reported this debt to credit bureaus. They have defamed my name and I am taking legal action. 

I sent Viking Client Services a Debt Validation Letter, Cease and Desist letter, an invoice for all violations, a copy of their mailed document with all of the violations listed, and a notarized Affidavit of Truth. They have yet to respond to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian to delete an remove all inaccurate information on my credit report that is invalid an needs to be removed. please review the information filed. this has been a issue for years that has gotten no response an is hindering my file. delete all information processed asap.
Product: Mortgage

During hurricane Irma we were granted deferment for 5 months! We were told they would put the amount at the end of the loan or work out a suitable affordable repayment and that our mortgage would go up only minimally. After 5 months of derferrement we were told we were being refinanced and were given no choice in the matter. Thus we are 2 payments into XXXX 3 month trial period paying {$300.00} more monthly then before Irma and are XXXX dollars in the rears. We have no idea what interest rate or mortgage amount we will end up with and THIS IS UNFAIR we maybe set up for failure and not even be able to afford the new milysrery payment and hence lose our home to foreclosure. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to log in to transunion.com to review my freeze status on XX/XX/22. When I logged in, I received a message saying my account was temporarily suspended. No other information was provided. On XX/XX/22, I saw the same message. I contacted Transunion support at XXXXXXXX XXXX that day, the representative reset my password and told me to wait for an email. We disconnected as she thought that would solve the problem. I received the email and logged back in, only to get the same message about my account being suspended. I called back to support, at the same number, at XXXX XXXX. I spoke to another representative who, after 14 minutes, was unable to figure out what the problem was. He told me the issue was 'escalated ' and someone would get back to me. I was not given a case number or any information to follow up with. I have yet to hear back from anyone, and my account is still suspended. 
Today, XX/XX/22, I received a notification from another reporting service that an inquiry occured through Transunion. Because I was not able to log in previously, I could not reinstate the freeze on my account as I had planned to. And I am unable to verify the information regarding this inquiry.