23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used my XXXX tuition assistance to cover my classes. After 2 years, the college, XXXX XXXX XXXX, never requested the funds be paid from the XXXX. I have zero ability to pay those classes through the XXXX system, as they are required to request the money for classes I've taken. Since they never did that, I am left with a hanging debt I was never responsible for. They then sent my owed amount to collections after I told them repeatedly they needed to request the money from the XXXX. This credit hit is extremely impactful to my security clearances and my general credit power as well.
Product: Credit reporting or other personal consumer reports

I moved from this apartment XX/XX/2023 then XXXX weeks later after my lease was up they charge me for repairs cause by smoke damage {$2500.00} an I never smoked in the apartment then they say it was from frying food an not using my exhaust fan over the stove witch is not true plus I was not under lease wit them at the time they accessed these issues so I wouldnt be responsible anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Product: Credit reporting or other personal consumer reports

This is the third time to report the similar matter. I have decided to report this time to CFPB because persistent emails from this credit report company, called Experian, considers itself has the right to offer the credit card, even though I do not want them. From the beginning, I opted out these kind of offer from any credit company permanently. And this something called Experian should not send such kind of offer because it must have been noticed already much earlier than other companies. Anyway, this called company Experian is supposed to be a mere credit report company. I have difficulty why this credit report company offers the credit card to the client. Therefore, this credit 'report ' company uses its authority, which manage the clients ' or citizens personal information without consent to offer the credit cards for their own benefits without consents of the citizens. All of these, this something called Experian performs illegal action. 

I am sorry I lost my previous reports, which I copied and intended to send repeatedly. Please refer the previous content to those sent to XXXX.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Mortgage

To whom it may concern, I have an FHA mortgage with US Bank Account number XXXX. 
I was under forbearance and applied for the XXXX  XXXX program in XXXX. I was since then approved for XXXX  XXXX and the funds were received by US Bank on XX/XX/. They are not applying the funds to my account. It is now XX/XX/XXXX and they still have not applied it. 
Furthermore, they arbitrarily set my account up on a mortgage assistance program with a trial period of three monthly payments starting XX/XX/XXXX. I called them on XX/XX/XXXX to let them know to remove me from this program and they informed me to email them at XXXX requesting I be removed. I did not sign anything from them for this program as I told them I was working with XXXX  XXXX. 

After a couple weeks I called back on XX/XX/XXXX and they spoke to XXXX at US bank. She said I needed to email and then one week later call to request that I be removed from the trial plan. 
She in that conversation submitted a request for me to be removed. I believe they are trying not to apply the Funds sent to them by XXXX XXXX since they erroneously set me up for the trial plan through them. To date they still have not removed me nor have they applied the much needed funds already sent to them. Please help!
Product: Mortgage

Good afternoon, on XX/XX/year> a check for {$5600.00} was sent through XXXX XXXX XXXX the financial institution CMG FINANCIAL for the payment of my mortgage. 
On XX/XX/year> I call GMC FINANCIAL because I do not see the payment reflected in my account and they tell me that I must wait for them to review the correspondence in the XXXX XXXX and be able to distribute the correspondence to each department, and I indicate that I want to send another payment corresponding to the following month and he gives me a new XXXX XXXX XXXX to send this payment of now {$2700.00}, I close the call and go out to send the second payment to the new XXXX XXXX XXXX that they told me in the call with CMG FINANCIAL. 

I waited a few days to check my account and I see that my payment of {$2700.00} appears reflected and the payment of {$5600.00} has not yet appeared. I make a call on XX/XX/year> and I am attended by operator XXXX XXXXXXXX and where it tells me that I must wait for the correspondence to be distributed and that it takes a while... not being satisfied with the answer, I call again on XX/XX/year> and operator XXXX XXXXXXXX answers me and he tells me that I must send a fax with the explanation from the XXXX that I sent the check until all the calls I have made to CGM FINANCIAL and that I will attach a copy of the check and a copy of the shipping receipt where the tracking number of the shipment can be seen, that same day I send the fax. On XX/XX/year> I called CMG FINANCIAL again and I was attended by operator XXXX XXXXXXXX where he told me that I should call my bank to cancel the cashier 's check because the correspondence was lost, that they can not do anything and that if I want to solve the problem I must make a payment of {$5600.00} again while that correspondence appears. I told him that I could not because I did not have more money and that I needed them to solve it because that is reporting my account as late when I sent my corresponding payments to be up to date. I called my bank and my bank tells me that because it is a cashier 's check, it does not allow cancellation until 3 months after the check is issued. 
I contact you because CGM Financia is abusive and does not solve the problems of its clients, causing a serious problem with my mortgage. 
Thank you, I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out several of times to this company to resolve this issue but to no avail theyve yet to correct this issue. They are still reporting an paid account on my credit and its hurting my credit score every time they report it. Its shwoing a negative impact and its hurtinh me financially and causing great stress in my life as Im in the process of the home buying program and this negative impact is affecting me financially and emotionally. I need this removed from my credit, if we cant resolve this issue I will forward this information over to my attorney and I will be filing a lawd for damages and wages. I will also report this issue to the BBB and reach out to the local media about this company. I will file complaint after complaint until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX XXXXXXXX  ) Account # XXXX, ( XXXX XXXXXXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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

I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices.
Product: Checking or savings account

In XXXX of 2023, I was looking for a solution for my business to be able to service and support my clients. I have one on XXXX, it had many followers, and appeared to be a great solution. I contacted them via DM. the individual I spoke to was knowledgeable about the services I needed handled. I agreed to the price they asked for, it was a quantity-based pricing. The quantity of jobs completed would be the amount they charged me. They charged almost {$1.00} XXXX to my debit card. and I did not get anything for the money I paid for. I tried to resolve this with the bank but then I was forced to look into this matter more closely. I have found it was all a scam, and it was used to buy 'tokens ' for a XXXX XXXX. Meanwhile, they required my personal information, id, and my money. Without me getting any of what I paid for, the XXXX account now is now longer available. XXXX XXXX. I finally found this out by following the charges. XXXX is the name of the XXXX company, and they used the fake name to conceal their purchases. 

I originally reached out to Chase in regards to this issue, with many calls and in person visits. And finally was contacted via someone in their Executive department, they stated, that I authorized the transactions because I purposefully made other transactions with this entity. Meanwhile their terms clearly state I am not responsible for fraud. I do not want to damage my banking relationship with chase, but this is a flagrant breach of their terms of service. This should have be figured out by their fraud department, with their resources, but I had to find out how this occurred on my own. 
I used a business XXXX XXXX card with the understanding it was 0 % liability for fraud or items/services not received, I did not received for money paid but is playing with words not trying to stand by their own policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 Equifax was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, Equifax, XXXX and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of Equifax having the data breach my personal information back was used and my credit destroyed. Equifax ruined me life and continues to do so. who governs this?
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$6400.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.
Product: Credit card

My card was fraudulent, I made the claims and Citi Bank does not want to return the money with all the evidence that it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account that was opened due to identity theft, i have filed an FTC report and i am still not getting help from experian with resolving this issue
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit XXXX XXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}
Product: Credit card

I am deeply frustrated by my experience with Capital One. After opening a Venture card with them, my consumer report was pulled, resulting in a hard inquiry. Despite being approved for the card, I encountered a restriction when attempting to activate it. In an effort to address this issue, I provided my ID and two utility bills as proof of my new residence. 

However, without any explanation, my account with Capital One has been blocked. When I requested a written explanation for the closure so I could seek legal advice, a member of the fraud department shouted at me over the phone. It is my consumer right to request a written explanation of why my card has been closed down and why I never had access to it when I was approved for it. This treatment has left me feeling targeted and unfairly treated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting valida

tion from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

Upon checking my credit report I found out that i have been a victim of identity theft due to the XXXX data breach i have the letter from them stating it has been affected .I found one collection account that dopesnt belong to upon further investigation I found out it was due to the breach and request for the information to be removed from my credit report timely as i am currently shopping for mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX, MD Child Support Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX have 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. also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Capital One card says that primary card holder is eligible for {$300.00} travel credit when booking through the portal, but does not specify that it has to be booked through the primary and holder portal. Authorized user booked flight for primary card holder through the portal and did not get the {$300.00} travel credit, even though in the fine print there was nothing indicating that this transaction was not eligible. Moreover, when the authorized user logs into the travel portal, one of the first travel benefits that pop up is the {$300.00} travel credit ( without disclosure that only primary card holder is eligible ). This feels highly deceptive as bank refuses to apply travel credit.