23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
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 15 USC 1681. 



XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  : XXXX, XXXX XXXX : XXXX 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: Mortgage

Due to XXXX XXXX, Fay Servicing refuses to accommodate with forbearance and/or assistance here in XXXX, La. I have applied more than 3 times in the last XXXX years, Due to a major increase in homeowners insurance, my mortgage increased from XXXX to XXXX as of XX/XX/XXXX. My perspective is Fay Servicing is trying to steal my home and foreclose. I just paid XX/XX/XXXX XXXX, also they are adding XXXX to that fee. And now behind again I'm currently XXXX payments due, as I experiencing hardship and need to lower monthly payments, this company has been alleging foreclosing on individuals nation wide is time to protect citizens ' rights and make them pay fines. According to the government mortgage companies should have accommodated individuals who were impacted by natural disasters here in Louisiana, instead I was denied, had to move out of my home for more than 12 months, and had to maintain mortgage payments without any relief. IN addition, this mortgage has been soled to multiple mortgage companies this is the fourth one.
Product: Payday loan, title loan, or personal loan

I have a loan with first franklin in XXXX al I have received multiple call and voicemails in one day to the point of feeling harassed, I had explained that I changed jobs and would be needing time to get back on track was not a problem till it was late and spoke to several of the girls there they were very hateful with me and threatened legal action because I rolled into a new month told her I have been with them for years and they have made a lot of money off me and that they would get there money on my pay day which was a few days later the girl said she could not guarantee I would not have legal action taken against me I told her if they needed to threaten me over a balance of a few hundred dollars to go ahead she continued to be hateful told her she would get Friday and that I did not need to be treated like someone who does not pay my bills, I then received a letter from the branch manager stating the same. I worked in this industry for years and I know that there are several rules violated here and reach out to the company which tried to call me several times I dont work hours that I can receive there call so I never got to talk to them a few weeks later I received a letter saying they tried to reach and assume that this matter was resolved I feel I was treated unfairly and know that they have had issues in the past with reporting and threatening customers these tactics are childish rude and uncalled for. I will be paying my loan off which by the way is current and never doing business again with them I hope some one stops this and monitors this company better they need to be shut down and stopped for good
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Nationwide Recovery on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). I never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Nationwide Recovery via mail on XX/XX/2022. Tracking shows that the letter was received by Nationwide Recovery on XX/XX/2022. It has been more than XXXX  days and I have not received any type of debt validation letter in return. XXXX XXXX XXXX have removed this alleged debt from my Credit Report in good faith ; however it is still being reported to XXXX. I simply ask that this item be deleted from XXXX. This item is hurting my attempts to rent/buy a home and making it impossible for me to recover financial stability due to ongoing medical issues.
Product: Credit reporting

Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.
Product: Money transfer, virtual currency, or money service

I am moving out and had to sell some items. A person named XXXX contacted me asking my couch for {$400.00} and settled. She sent me a cheque from XXXX XXXX  for {$1300.00} on XX/XX/XXXX saying the rest was for the movers. The funds was deposited and it was available in my account for a few days. She sent an email where I had to send the remaining amount of {$900.00}. That email is XXXX. The day after I sent it ( XX/XX/XXXX ), My Bank ( Bank of America ) took {$1300.00} from my account saying there wasn't sufficient funds in the senders account. I contacted the bank saying if that was the case, Why was the amount given to me in the first place and even if it is taken, it should be taken from the senders account. But, they did not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I applied for a mortgage on XX/XX/2021. My TransUnion mid score with the credit company XXXX that the lender uses was registering at a XXXX. My objective was to achieve a 720+ score for a better interest rate. XX/XX/2021, I chose to pay down one of my XXXX XXXX credit cards to 28 % of the limit to earn points to increase my score. The " simulator '' the lender used stated I would achieve approx 18 points it was correct. I had earned a XXXX credit score on XX/XX/2021. The problem was TransUnion had reported this balance paid to 0 %. This was inaccurate despite the proof of current balance I had sent to XXXX to supply to TransUnion. TransUnion stated they called XXXX XXXX to verify through the automated system and that they heard " XXXX '' balance. It was impossible as I owed {$2200.00} to XXXX XXXX. This increase in the credit score took a turn when the next credit pull was performed on the XXXX as it now showed I had " resused '' this credit card showing a {$2200.00} new balance when this was false! At the same time I had just paid over $ XXXX to pay down two other cards to under 30 % and because of this Transunion error it didn't increase my score paying down the two other cards significantly! I need TransUnion to go back to XX/XX/2021 and correct this! I do not know how the algorithm works, but this has ruined me! I now have received a denial on my loan file as a result!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to correct the city address on my credit report with Experian from XXXX XXXX XXXXXXXX XXXX  XXXX, New York XXXX.
Product: Credit card

I used a Citi ( R ) Card MasterCard ending in XXXX to pay for my trip from XXXX to XXXX on the website XXXX. A travel agency XXXX XXXX XXXX XXXX. XXXX issued two tickets : XXXX - XXXX - XXXX XXXX ( ticket # XXXX {$180.00} ; attached file " XXXX ) and XXXX XXXX XXXX XXXX XXXX ( ticket # XXXX ; {$700.00} ; attached file " XXXX ). The first flight to XXXX was delayed and I missed the connecting flight. I called XXXX XXXX trying to reschedule my flights XXXX XXXX and XXXX. The airline agent couldn't offer me any flight during the next three day and I asked him to cancel the ticket and to refund. He explained me that only the booking agent ( XXXX  ) can cancel the ticket and request the refund. He gave me XXXX 's phone number and I called them. The XXXX agent agreed to cancel both tickets and seek refunds from the airlines. The itinerary was canceled. 
Later I received the emails from XXXX that asked to confirm the cancellation request. One of the emails informed me that I had to apply for refund of the XXXX XXXX ticket. I did that. 
On XX/XX/ I received an email from XXXX XXXX ( see the attached file " XXXX '' ) that stated that they had refunded the amount of {$100.00} on MasterCard ending in XXXX. I assume that this is the XXXX MasterCard that was used to pay for the ticket. 
I didn't receive any email or call regarding the XXXX XXXX refund ; however, its agent told me during the call that they would refund the cost of the ticket. 
XXXX collected the airline refunds and didn't transfer them on my Citi ( R ) Card MasterCard ending XXXX that was used to pay for the booking. I sent them messages regarding the refunds and didn't get any answer. 
I called to Citi ( R ) Card office and asked to dispute the transaction ( {$880.00} ). It was a payment to XXXX for two tickets. The billing dispute department of CitiCard initiated a cancellation dispute with XXXX and received a misleading response on XX/XX/ ( see the attached file Citi_dispute_attach.pdf ). The response described my communication with them regarding the first ticket and didn't mention the refunds for two tickets that XXXX collected from the airlines. I sent an email with attached documents ( see the attached file XXXX ) to the department describing the essence of the dispute. The department refused to consider documents related to fraud committed by XXXX ( see the attached file Citi_dispute_update.pdf ). 
I have repeatedly appealed to the department staff with a request to reopen the dispute as a fraud investigation, but this did not happen. It looks like the department procedures facilitate fraud. 
XXXX company XXXX XXXX XXXX, which owns the website XXXX, committed fraud, and Citi Card condoned it.
Product: Debt collection

Pendrick Capital keeps selling a so called medical debt to agencies and it keeps being added to my report. I have filed numerous complaints against the agencies who have purchased this debt and the account has been deleted. Pendrick has not once contacted me regarding this " debt '' yet they sell it and the agencies do n't even contact me! This debt is not valid and I want it completely removed!
Product: Checking or savings account

I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX didn't authorize the above items listed on my credit report.
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their app, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: 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 village 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, financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I received a letter from Portfolio Recovery XXXX XXXX ( XXXX XXXX around the 1st week in XXXX about an debt I allegedly owed from XXXX Bank. I filled Bankruptcy in XXXX of XXXX and I am unaware if the trustee made any payments on this account so I sent XXXX a letter dated XXXX XXXX XXXX asking them to validate that they owned the debt and any documentation that would support their claim. They sent me statements from XXXX bank showing that it was my account but the final statement in XXXX of XXXX was not the amount they were trying to collect. In XXXX XXXX bank shows they credited my account {$580.00} so the amount owed should of been after credits is {$2100.00} XXXX is trying to collect the XXXX balance from XXXX of {$2700.00}. The account was charged off in XXXX of XXXX not XXXX. And this was the paperwork XXXX sent me. They have been incorrectly reporting this account for the past year. I live in XXXX and the states usury laws caps at 9 % for XXXX off Credit Card debt even at 9 % the amount owed is not {$2700.00}. 
XXXX has been reporting this amount to all 3 credit bureaus. I have disputed this account to all 3 credit bureaus and contacted my state Attorney General XXXX XXXX complaint number XXXX dated XXXX XXXX XXXX. I am asking that XXXX suspend all collection activity and delete this file from all 3 credit bureaus and we resolve this issue. I am willing to pay XXXX 9 % over the cost of the debt from the date they acquired the debt. Since they are continuing reporting the wrong amount owed on the debt. I have no other option to but to seek legal action action after this compliant if this can not be resolved. XXXX never sent me documentation that they even know the own the debt and how much they paid for the debt. I need this information as well.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

On Sunday XX/XX/2020 I went to a Bank Of America ATM to withdraw some money from my Bank Of America ( Nevada Unemployment Insurance Debit Card ), when I tried to withdraw the money it showed me that I only have a balance of {$3.00}. Which was odd because I should have had a balance of {$730.00} on my debit card. I went online to check recent activity and it showed me that on XX/XX/2020 an ATM cash withdrawal occurred at XXXX XXXX Bank. Two transactions happened at that ATM. The first charge was a XXXX XXXX ATM cash withdrawal domestic fee, which was {$1.00}. Following that charge, {$730.00} was taken out of my debit card via XXXX XXXX ATM cash withdrawal. I did not withdraw any of that money, nor gave access to my account to anyone. I have become a victim of fraud. 

After I saw those unauthorized transactions I proceeded to call Bank Of America ( On XX/XX/2020 ), here is their phone number XXXX ( XXXX XXXX XXXX. Every time I called Bank Of America I was meet with a customer representative, I was told that I needed to talk to the claims department. I was then transferred to the claims department. After being on hold for 2-3 two hours, an automated voice told me that the machine is full and I could not leave a message then it proceeded to hang up. I tried the same thing again the following days ( XXXX XX/XX/2020 ) and the same thing happened, and every one of those days I was on hold for 2-3 hours. After that, I tried a different approach. On XX/XX/2020 I called the same number again and asked to speak to the customer service supervisor, so he could transfer me to the claim department instead. After waiting for around 45 minutes I finally spoke to someone. The customer service supervisor claimed that he would send an email out for the claim department to give me a call within the next 24 hours. After waiting for more than the 24 hour period I did not receive any calls. So I called again ( XX/XX/2020 ) and spoke to another customer service supervisor he also claimed that he would send an email to the claims department and they would follow up with me within 24 hours. So I patiently waited and I heard nothing from them. Today XX/XX/2020 I tried calling Bank Of America from my phone and they blocked my number linked to my account so I could not reach customer service. 

I have been working for over 40 years and I never applied for unemployment. But unfortunately, due to covid, I was laid off. Now since I'm a victim of fraud I don't have any money to feed my children. That was the only source of income I have.