23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. 
ERC for XXXX XXXX is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

Square Inc owns a company called " Cashapp '' i have been using for a few years now. i recently received payments for a vacation my friends and i are taking. in total i received XXXX, on XX/XX/XXXX and XX/XX/XXXX i elected to cash out my funds to my bank account. the money moved to pending and said id have it available by friday. friday came and the funds were still not added yet. by saturday they had moved the day i should have access to tuesday XX/XX/2019. when i checked this morning it said that they closed my account and the reason for closing wasnt very specific and then when i looked at the section i was told to refer to none of it matched why my account should be closed. none the less the funds were still stuck in pending status. on the app it told me to use a different debit card since the one on file was being blocked for some reason. i tried using 2 other cards and both were still blocked. i contacted customer service ( they dont allow you to talk over the phone with anyone ) so i sent an email, every email i sent i got the same automated response. regardless of them closing my account ( which makes no sense ) i should still be able to be returned my funds and so far i havent seen anyway. i looked online and over 1000 people were dealing with the same issue. Cashapp is scamming people and they need to be stopped. please help.
Product: Debt collection

According to Acima Credit in my last complaint I submitted the cfpb Acima Credit stated that laws under 15 USC 1692 does not apply to them but according to federal regulations the only sellers exempt are Contracts before XX/XX/1977 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

and they are indeed in violation of the laws I stated in previous complaint in my affidavit also they are still reporting after I sent in a cease and desist through all mediums including consumer reports
Product: Debt collection

I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX  I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit card or prepaid card

Upon receipt of my XXXX Credit report, I discovered a Fraudulent account that was open at Discover Bank ( acct # XXXX XXXX without my knowledge or authorization. This Account was opened as a result of identity theft. Ive subsequently filed a local police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION on my XXXX  Credit Report.
Product: Debt collection

XXXX dba Eaton Group Attorneys, XXXX, XXXX harassed me and my family at work and home for XXXX years. They claimed they bought a XXXX year old XXXX that belong to me. In 2008, after hardship during XXXX, we file bankruptcy. So, this debt was discharge by XXXX. 

In XX/XX/XXXX, XXXX/LVNV XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my mental disorder. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was XXXX. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.
Product: Checking or savings account

Please see prior complaint... 
My calculations were at {$7200.00}. I ONLY RECEIVED {$5000.00} BACK. I CALLED BANK AND THEY TOLD ME THEY WOULD SEND DENIED TRANSACTIONS TO ME AND I NEVER RECEIVED ANYTHING FROM THEM. THEY STILL NEED TO GIVE BACK OVER {$2000.00}, PLEASE LOOK INTO THIS FURTHER XXXX  PLEASE NOTE CURRENT PHONE AND ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is reporting on a debt that another debt collector is also trying to collect on the amount is not consistent they also have texted me and emailed me without ever sending a later I'm unsure how they got my personal contact information unless XXXX XXXX sold that information as I have never reached out to this company and as stated XXXX XXXX is submitting this as a new debt on my credit report while not collecting on it. This same debt is listed on my credit report 4 times now. XXXX XXXX was previously informed to not contact me and yet appears to have sold my contact information
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX and I noticed a derogatory mark from Capital Accounts LLC. This account is involved in ligation. I disputed this with XXXX  and with Capital Accounts LLC. I was not notified on the outcome of this investigation. It has been 30 days.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

On Wednesday XX/XX/XXXX I received a letter in my mailbox that said certified mail with out a signature. I also received a package that was not included in my mail even though it had a USPS red stamp. I went to the post office to confirm this and see who signed for it and was told it is still in route and not delivered yet. I also confirmed this by the web site. In this letter they said If I had not made a payment by XX/XX/XXXX, they would put me into foreclosure. I was not even 45 days behind. Virginia law says 120 days. I already had the money so I went to the bank branch in XXXX VA on XX/XX/XXXX and decided to pay what I owed. I handed the teller my ID and asked for XXXX. Cash from my checking account and then asked to pay my mortgage. I gave her the account number and then the look of confusion came on her face. She asked if it was in a different name and then I said I changed my name already with the mortgage company. I had to give her my old Id before she could process my cash payment. She advised me to get my name changed to reflect the XXXX because it is still under XXXX. Why is it still under XXXX after all the XXXX they put me through to change it? The larger package contained 2 sided printed pages. To include false copy 's of my loan. They do not match the font of my original loan and they have added a hand written date to one and deleted names and made changes to the copy 's they sent me. They also said they ordered an inspection of my property, Again my land is posted and unless you have a warrant and the local police dept with you, You are not permitted on my land. It is a violation of my constitutional rights. I have also decided that the only way you are going to stop with the harassment and attacks is to put my house up for sale. I have already taken the necessary steps, and XXXX XXXX XXXX is currently listed on the market. I have a company under contract to handle this for me.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since Transunion, XXXX, and XXXX sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer FICO credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction
Product: Bank account or service

I had a bank account with Chase Bank, I was expecting XXXX checks from a former employer, I had not checked my account all week when I checked on Monday and then Tuesday I saw XXXX checks XXXX of {$1400.00} and another of around {$900.00}, I thought those were my checks, I went Wednesday to a Chase branch to withdraw the money to make certain adjustments to my vehicle and found out that my account had a week that it was frozen with restrictions because some one had stolen my card information and set up several deposits and withdrawals during the weekend which never reflected on my online banking with Chase. Chase failed to inform me via email, phone call, anything, I received a letter about a week later about my account being closed and the fraudulent checks being deposited on my account, after I had already filed a complaint with chase to release my funds that were on my account, Chase has denied my claims due to the fact that I had logged into my online banking and state I never reported the issue and claim the deposits were done with my ATM card, which I had with me at all times, I filed an executive complaint and emailed my work schedule proving that I was at work while all those transactions were being done.
Product: Mortgage

We got a home equity loan from our original lender for about XXXX. The loan was being paid in a timely manner! Home owner insurance taxes were included! The property taxes had an exemption on it because we are XXXX plus seniors living in XXXX Illinois. The last payment we paid about a month ago was XXXX XXXX  now all of a sudden since our loan was sold without our knowledge to freedom mortgage we our paying more than we can afford!!!! They did not wait to years end to send us a letter of projecting what our loan payments will be for the coming year starting this month XX/XX/year> XXXX taken out this far this month ballooning to over well over XXXX per month!!! The agent I talked with told me that we we were being assessed for XXXX XXXX taxes we live in XXXX XXXX and thats XXXX! The only thing I can think of for this happening is that they are charging us according to XXXX XXXX taxes in addition to XXXX XXXX taxes! We need this resolved right before seeking attorney intervention!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On Wednesday XX/XX/2022 I reached out to Wells Fargo for some answers as to a strange change of address on my account. I was first made aware of this issue when my wife ( Joint owner of account ) tried unsuccessfully to utilize her debit card to " pay at the pump '' As I reviewed my statements on line ( which is the way I manage my accounts ) I noticed a XXXX Fl. Address displayed as my home address, which prompted the call to Wells Fargo. I waited 15 mins for a rep to answer and was greeted by XXXX after my wait. Much to my surprise and agreement they required numerous ways to validate that I was indeed the owner of the account. From SS # 's, Bank Account # 's, Text messages to my with verification number and even validating addresses ( That they have wrong ) my inquire was two fold. 1 ) How did they acquire the XXXX Address 2 ) Why is a XXXX XXXX account still open and they continue to charge me. 
The answer that I received was not acceptable and the rep 's lack of customer service when unable to provide the information, is apparently Wells Fargo 's new business model. ( Total lack of any service ) The address that they are reflecting, again has never been resided in by me nor my wife. XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I need the correct information as to how this address was changed. Wells felt that they could tell me the Post Office did it, this is not acceptable as I can track that data and it is not correct. Nor did we have any other loss of mail. I want clarity and transparency from my bank!
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting incorrect information to the Credit Bureaus. Company is stating that there have been some recent missed payments in which it has not. Company has either sold this debt or refusing to correct this information with the Credit Bureaus. 


The account is more than 6 years old. There are 365 days in a year. THERE HAS NOT BEEN IN RECENT ACTIVITIES MADE ON THIS ACCOUNT. 

The company should not be reporting false information to the Bureaus. I have documentation that will be attached to this compliant showing that this company has reported incorrect information more than one time.
Product: Consumer Loan

I Have a mortgage with Ditech walter company. I have been paying on time since XXXX XXXX. Suddenly with no explanations, ditech included the escrow to my pay account, and the monthly payment rise to much. they ( ditech company ) say that my property taxes are not paid, but I already sent on XXXX XXXX the proof of installed agreement with XXXX XXXX, I agree with XXXX XXXX to make XXXX payments between XXXX and XXXX XXXX and that is what I Did. I do n't know why Ditech is taking advantege on that, is not fair. Please Help!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding repeated inaccuracies on my credit report, including incorrect addresses, employment history, name variations, and unauthorized inquiries. Despite contacting the credit bureaus to request corrections, these errors persist, causing potential harm to my credit profile. I have never lived at the listed addresses, the employment history does not reflect my recent work, and multiple inquiries appear that I did not authorize. These inaccuracies not only misrepresent my profile but also constitute a violation of the Fair Credit Reporting Act ( FCRA ). I am seeking the CFPB 's assistance in ensuring the credit bureaus conduct a proper investigation and correction process to maintain accurate reporting, as these errors may impact my ability to access credit and other essential services.

Thank you for your attention to this issue.
Product: Vehicle loan or lease

I have such a high APR rate for 2016 vehicle and its ridiculous. I can not get caught up with my payments XXXX happen. Ive been ill so it caused my income to diminish. ive asked if they removed late payments of my credit report or work it out with me. I have been making my payments I promise to pay for the last six months every two weeks I feel like I am stuck in this loan. I am paying over almost XXXX for XXXX vehicle. this is really hindering my credit. I wish I wouldve known what I was getting myself into but desperate times call for desperate measures. Im a single mother of XXXX newly divorced and I am trying to get my life in order.
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX. I cant say this more emphatically, I have never had a XXXX  account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.