23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit reporting but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for in case of your willful noncompliance. 
-- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00} -- -- -- -- -- TransUnion : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$3300.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Checking or savings account

PNC closed my account without warning and wouldnt allow me to get funds that were already in the account. I spoke with the executive XXXX XXXX who repeatedly lied saying that she was temporarily keeping my account open and I could go to the bank to get it. However, when I got there, they were saying the account was still showing closed and I couldnt get my funds. The bank lied days before this saying that a check was mailed to me which wasnt true. Prior to this issue, I had went directly to the bank and never was told the account was even closed. They have repeatedly played games, lied, and withheld my money. This is completely unprofessional and I believe its due to racism. The day when I went to the bank after talking to XXXX XXXX they wouldnt release my money and notified the police when I was calmly waiting for them to reach someone. XXXX XXXX never explained the process to me and it shouldve been an easy transaction. XXXX XXXX created issues by lying saying that my account would be temporarily open to find and that I could get my money. I also explained to her about my health and l needed to get my medications and Im going to occur late fees if I dont pay my bills on time. I stated to her that I was waiting for a direct deposit and a credit to my account. Because I wasnt aware of the closing of my account I didnt have time to change or notify them of the closing of my account. I receive SSDI every month on the XXXX. I mentioned to her that I urgently needed these funds due to medical issues, hardship etc they rejected these funds from SSDI even after saying my account was temporarily opened. I was notified by SSDI that they havent even returned the funds. What was told by SSDI that theyre back office has to return the funds because its showing that they received it. If they were closing my account, I shouldve been notified and I shouldve had a check from the funds that were in the account immediately by next day delivery. I mentioned multiple times the urgency but I guess my health, medications, and hardship didnt mean anything to them. XXXX XXXX lies about everything and never made me aware of important information that wouldve prevented my frustrations and anger. Her demeanor is rude and disrespectful that caused me to react. I have no idea how she got the position that she has. Im beyond angry over everything. And they have taken thousands of dollars out of my account for charges that I didnt do and when I notified the bank they said it wasnt any charges with XXXX but that wasnt true. They dont want to give me my money for all the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation for my claim had my police report the company taking 90 days to complete this
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, XXXX XXXX and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( XXXX XXXX ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax to alert them regarding these unauthorized inquiries, listed below. 
XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Since Discover failed to acknowledge their damages they have caused me I have filed arbitration and request the filing fee be paid and I hereby give notice of the filing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Capital One listed my account as late on my consumer credit profile on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX this advertisement states that one person redeemed {$110000.00} in cash back in one year at 2 % cash back. that would mean she spent close to XXXX XXXX dollars and ad a spending limit of close to {$500000.00}. 

this is weird and blatantly false
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, or personal loan

I have been in a dispute with Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores for weeks. CCFI continually changes its strategy to avoid resolving this issue with me. First I was told to call to resolve it ... did so and was greeted by reps who had no idea what I was talking about. Then I was told to call a different number to be told they also would not speak to me. I was told the consent order from XX/XX/XXXX didn't exist. When I proved it does, I was then told I had dealt with a completely different company.

Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores are all the same company ... all headquartered in Ohio. All predatory lenders.

I was steered into a loan of {$2500.00} for the sole purpose of Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores collecting an outrageous percentage of fee. I was NEVER informed a loan for {$2.00} less would cap my fees at 30 %. I paid 78 %.

I want a refund of my overpayment. I am willing to accept less than the full 48 %, but I should not have to have paid an additional 48 % for 2 extra dollars. That is predatory and abusive.
Product: Credit reporting or other personal consumer reports

CREDIT COLL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit card

XXXX {$22.00}, XXXX {$50.00}, XXXX {$710.00}, XXXX {$53.00}, XXXX {$50.00}, XXXX {$18.00} Spoke with a representative and promised to get back with me and refund my funds. Never heard back. Unusual amounts of money coming out my account I didn't confirm. Disputing certain amounts didn't never got disputed. Not being able to speak with representative..
Product: Debt collection

national credit systems has been reporting on my credit and attempting to collect a debt in different amounts. one for XXXX another company by the name of springs for XXXX I dont know either of these companies. I have asked for verification of the debt. I've never heard of them or have been sent anything proving that I owe this balance. I need help to remove this from my report, this is Causing me to not be approved from an apartment,. im currently homeless and unable to get any kind of housing due to this. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and you guys claim it's been validated ; Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

and secondly There is a Collection on my report, you guys claim that is not there and I have verified that it's on my report. 
-- -XXXX XXXX XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Trans Union credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Trans Union or XXXX XXXX. I advised Trans Union that this account is in litigation and that it needed to be removed. Trans Union removed the account and XXXXdays later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
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. 

Account name- XXXX XXXX Account # - XXXX Account name- XXXX XXXX  Account # - XXXX Account name- XXXX  Account # - XXXX  Account name-XXXX  Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX  Account- XXXX Account name- XXXX Account # - XXXX Account name- XXXX Account # - XXXX Account name- XXXX XXXX Account # - XXXX Account name- 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.

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

I have gotten 5 calls from this company, I do not owe a debt to them or anyone else. If theyre claiming I do, I want the paperwork as well as their license to collect in the state of Texas and who they bought my information from.
Product: Debt collection

On a daily basis I am called by XXXX XXXX ( XXXX XXXX ) although they have been notified that I am with a settlement program to resolve my debt with them. They have started to leave the same messages on my husbands cell phone, my husband is not an authorized user on this card and never supplied his number regarding this account. 
The transcribed message is as follows : XXXX ( XXXX ) XXXX XX/XX/2018 at XXXX This is XXXX from XXXX XXXX in regards to XXXX XXXX, at this point my office has assumed that you are ignoring this matter and that you have no intent to provide a voluntary resolution so now I do need to speak with you or with your attorney no later than XXXX on Saturday XX/XX/XXXX so that way we can discuss the situation and come up with a solution. If I do not receive a call by Saturday then I am going to assume that you are not interested in options that I do have and that you were no longer handling any business herewith us my number is XXXX and my extension is XXXX. 
*These threatening calls are daily on both my husband and my phone. XXXX XXXX has been notified for several months that i am in a debt settlement and received notice that the debt settlement company has been given authority to deal with them on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting

Equifax Credit Report reflects adverse accounts which are beyond the seven year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of seven years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While i filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. This would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the seen year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are not requiring to furnish such information. Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. It would take but a minute to review the credit report to see that information is inaccurate. For example the XXXX account states the first Major Delinquency was XX/XX/XXXX but it also goes on to state that it was first reported XX/XX/XXXX. How could it be reported in XXXX if it did n't happen until XXXX? Please remove these adverse accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.
15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX
Product: Student loan

I have been paying g {$200.00} a week to Mohela starting XX/XX/. This amount continued when repayments started up last month. Starting in XXXX, I added {$65.00} to the last week of the month to meet the monthly minimum of {$850.00}. 
When the payment period ended and the end of last month, the Mohela website showed an outstanding balance of over {$700.00} even though I had paid {$860.00} last month. Their system shows that they recieved the payments, and I recieved email confirmation for each one. I sent a message through their website as they did not have an email on XX/XX/ asking why this was. The only response I recieved was a link to make a payment. I tried calling them on XXXX and waited on hold for XXXX hours without receiving any assistance. 
I sent an additional message about this issue on XX/XX/ and still have not heard back from Mohela. 
It is worth noting that I did not recieve a XXXX billing notice until XX/XX/ I'm not sure what else to do. I have been paying every week and I do not want to be harassed by debt collectors or be charged a late fee for money I've already paid.