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

XXXX 's data is incomplete. They claim I have only 3 paid on time accounts when all but one of my accounts is paid, whether open or closed, and never late. I have 1 account that was ever late and I did not know there was anything on the account. The amount was {$5.00} that the card company added after I paid it in full on their website. They showed it as {$200.00}. I had no way to know they had added a charge to the account because I had moved to take care of my elderly mother. They made no attempt to contact me beyond mailing notices to my old address. No email or phone call or text. I had even changed my driver 's license and address so they had notice I had moved. XXXX should show about a dozen Paid/Never Late accounts but they don't. All of their aggregate data is incorrect giving creditors a completely false picture and reducing my credit score from well over XXXX to the mid XXXX 's over a {$5.00} late payment.. 

In addition, they stole my credit card number and tried to charge me for something I had refused to authorize and blocked me from accessing my account. It took two hours to get someone on the phone to fix it and the next day the same thing happened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent correspondence to each company regarding inaccurate, unverified, and erroneous items on my report. As of today over 90 days later I have not heard anything from anyone. I feel like Im just a number and not a person. These items are negatively impacting my report. As mentioned to each company may information was impacted by the XXXX data breach and Im just now being made aware. Now more than ever I feel like my information has fallen into the wrong hands.
Product: Credit reporting or other personal consumer reports

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX data breach and XXXX XXXX XXXX  data breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft see attached
Product: Payday loan, title loan, personal loan, or advance loan

Sunbit Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX, I am writing to formally request that Sunbit Inc. cease and desist all sales, shares, and disclosures of my personal information under the California Privacy Act. I am exercising my rights to opt out of any such activities and demand that all records of accounts that I own and that Sunbit Inc. is holding be promptly deleted. As per the California Privacy Act, it is imperative that my privacy preferences be respected, and I expect immediate compliance with this request. Failure to do so will result in further action, including the initiation of arbitration proceedings. Furthermore, I would like to bring to your attention the arbitration clause contained within your terms of service. Any failure to comply with my request will be considered a violation of this clause, and I will have no choice but to proceed with arbitration. It is important to note that the cost of arbitration will be significant, and Sunbit Inc. will be liable for covering these expenses. I expect confirmation of receipt of this letter and written assurance that my requests will be honored within 30 days of XX/XX/24. Failure to provide such confirmation will be taken as an indication of non-compliance, leading to further action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX This Demand is Govern BY California Civil Code Section 1798.100 et seq. ( California Consumer Privacy Act ) California Business and Professions Code Section 17200 et seq. ( Unfair Competition Law ) California Penal Code Section 502 ( Unauthorized Access to Computers, Computer Systems, and Computer Data )
Product: Credit card or prepaid card

complaint id:XXXX : this complaint was not resolved to my satisfaction ; paypal did not answer my questions ; wrapped their response in a lot of jargon! 
from what I understood, the cash advance I took in XXXX  is still unpaid after 4 years! 
I have been charged {$10.00} cash advance fee in addition to other finance charges per month since XX/XX/17 ; this cash advance interest will be charged until the cash advance is paid off! according to paypal credit, when a payment is made they take finance charges off, any fees, any special/promotional offer charges, then apply the rest to principal ; therefore paypal credit has applied only cents toward the cash advance principal! ; I, ve been charged almost {$10.00} per month in finance charges since XX/XX/17 ; according to my math that's {$450.00} in finance charges till now for a {$650.00} cash advance!!!!!!!!!!!!!!!!!! that's usury!!!!!!!!!!!!!!!!!!!!!!!!! ; in the response letter, paypal credit stated I can designate an amount of the payment to go toward the advance, I believe ; I am not sure because of all the unnecessary jargon in the letter ; I could be wrong again. basically I will never be able to pay off the cash advance this way unless I pay off the entire balance ; at this point this is impossible for me ; so paypal credit would drain me as much as they can. shame, really
Product: Debt collection

On XX/XX/2020 ; I contacted Riverwalk Credit Solution to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.
Product: Debt collection

I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.
Product: Student loan

There is information that is on my consumer report that is a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error nor is my request to block being made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. 

Fedloan Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thanks You
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to sue and sue me of their mishandling of payment. The apartment complex and Fair Collections & Out has added derogatory information to my credit report. The apartment claims that I owe XXXX. I have EMAILS from the apartment complex stating that my original bill was XXXX, then it was XXXX, then XXXX. It is now being reported as {$5200.00} The company LOST the money orders I sent to them to pay this balance. I have EMAILS stating that they were not able to find the money I gave to them. The staff offered to 'discount ' fees if I paid again and/or set up a payment plan. 

I should not be held accountable for their lack of procedure. I should not be held accountable for the possible fraudulent act of the employees at XXXX XXXX XXXX I want this information removed from my credit report immediately. In addition to this derogatory and FALSE information added to my credit report ; note that Fair Collections & Out never sent me a letter to dispute or a Debt Validation Letter. If this is stated as an EVICTION on any court records I want it expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some addresses, names and phone numbers that appear to be inaccurate/incorrect. I've enclosed documentation below providing proof of current address, phone number ( mobile ) and proof of identity, as instructed to do so on your website. To make your process of deletion easier, Here is a list of incorrect items. ( Names ) - XXXXXXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. ( Addresses ) - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NV XXXX Address ID # XXXX. 

There should be only one address, one variation of my name and one phone number on my credit report which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX, XXXX Once you have deleted all inaccurate information from my report, Please send my copy of my updated report immediately thank you.
Product: Checking or savings account

The bank charged my XXXX for XXXX XXXX The XXXX for XXXX XXXX It posted to my account at XXXX and XXXX But I dont have the overage of the amount in my account I need my XXXX dollars in my account Everytime I ask they keep hanging up on me
Product: Money transfer, virtual currency, or money service

My Coinbase account was restricted due to an ID verification requirement by the compliance team. I have provided the necessary ID and was given a confirmation e-mail of successful verification. However, my account is still under review. I am constantly given the running around by their customer service in regards to when I can get access to my funds. I need access to my funds due to an emergency and the way a successful business such as Coinbase treats its customers regarding this issue is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I investigated my credit report which caused XXXX  XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in the valuation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account status - Collection Reported balance {$9600.00} Loan type - Unknown loan type Date reported - XX/XX/2024 This is all the information provide unknown original creditor so no information is given as to where this debt originated I have requested in writing 4 times to send debt validation with no response.
Product: Mortgage

I was in need of a XXXX loan. My real estate broker just finished a class with the Employees of Willow Bend Mortgage Brokers on that very loan. She suggested that I go to them for my loan. The agency I used is in XXXX, XXXX. The name of the agents were XXXX XXXX and XXXX XXXX. They were told at the beginning that a FHA XXXX loan was the only loan that could be used to purchase the home in XXXX. After a month went by they still were under the assumption that I needed just an FHA loan. Still as time went by they did not move forward with the XXXX loan. Now at this time I have been paying {$370.00} every 15 days for extensions on my contract with HUD. They new that this was on a time basis so we did not lose our contract on the home. It stated in XX/XX/XXXX they kept giving me it felt like the run around. Every 30 days I needed to send and resend the same papers and then bit by bit the papers were getting annoying stupid papers. The items needed were totally absurd. With me being in XXXX and the home in XXXX we could not just run out there every weekend. We finally made a surprise visit and went through all the papers and they stated we should close by XX/XX/XXXX. Well at that time XXXX started going for a FHA XXXX loan which was totally wrong. Now here we are with less that 48 hours before my final extension and they insisted this was the way to go. Now as it stands I am out the money for all the extensions, gas, hotel accommodation costs. I believe they are should not be teaching others if they do not know what they are doing themselves. They should be held accountable for their actions. It is due to their lack of knowledge on my best interest and listening to what I and my real estate agent were telling them that I now they decided to deny my loan due to not being able to determine my credit rating which was at the time a XXXX.
Product: Student loan

XXXX University is being held in receivership for what is at best, incompetence regarding money management and at worst, fraud. The semester began XX/XX/2019 and it is now XX/XX/2019. Financial Aid has not been disbursed to the students, but remains in the school 's accounts while students are told that disbursements will happen " this week '' and then the next week. I am XXXX XXXX in XXXX. This is unacceptable. My loans are accruing interest while they remain in XXXX 's account.
Product: Mortgage

Cornerstone required me to pay my XXXX mortgage payment twice. In a Notice of Servicing Transfer dated XX/XX/XXXX, Cornerstone informed me that the servicing of my loan was being transferred to XXXX XXXX  effective XX/XX/2018 and all payments beginning with the XX/XX/XXXX payment should go to XXXX. I sent my payment to XXXX XX/XX/XXXX. On XX/XX/XXXX, I received mailed notice from Cornerstone that the notice of transfer was " inadvertently mailed '' to me, that I should disregard it and send all payments to Cornerstone. That same day I told a Cornerstone representative via phone that I had paid XXXX. She told me Cornerstone had decided to retract my loan, XXXX would send my payment to Cornerstone and I needed to do nothing. This was incorrect. Cornerstone sent me a delinquency notice on XX/XX/XXXX. When I returned a call from Cornerstone 's collections department on XX/XX/XXXX, the agent removed the late payment fee but advised me to pay Cornerstone a duplicate XXXX payment by the end of the month to prevent damage to my credit. I made a second XXXX payment to Cornerstone. XXXX can't find my first payment because the new loan number provided by Cornerstone was never activated. Cornerstone has done nothing to get this money back from XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance {$3500.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3300.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened XXXX - Late/Open XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing a series of violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning my credit report. Specifically, I discovered multiple inaccuracies and unauthorized actions that are affecting my financial standing and rights as a consumer. 

Key violations include : Willful Noncompliance with FCRA ( 616 ) : Entities have accepted and reported credit information about me without verifying its accuracy, which constitutes willful noncompliance punishable by civil liability.

Disclosure Failures ( 603 ( d ) ( 2 ) ( A ) ) : My rights to opt-out of personal information sharing were not disclosed, leading to deceptive practices. 

Furnishing Deceptive Forms ( 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, violating consumer protections and Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Practices Act Violations : Unfair practices and harassment occurred, including reporting inaccurate debts and contacting third-party credit reporting agencies without consent. 

Improper Reporting of Late Payments : " Late payments '' were inaccurately reported without a clear definition of what constitutes lateness, making the entries deceptive and unsubstantiated.

Finance Charge Errors : Entities failed to determine finance charges accurately, leading to further inaccuracies on my credit report.

Unauthorized Reporting ( 1681b ( a ) ( 2 ) ) : Credit information was reported without my explicit consent, violating permissible purpose requirements. 

I have requested immediate corrections, including : Updating several accounts to reflect accurate payment history. 
Validating alleged debts under 15 U.S.C. 1692g ( Debt Collection Practices ).

Deleting unauthorized hard inquiries, like the one from XXXX. 
Removing all false, inaccurate, or unverifiable entries. 
Failure to address these issues promptly will leave me no choice but to pursue legal remedies under the FCRA, which allows for civil penalties for noncompliance. I expect full resolution, including proof of validation for the disputed accounts or their removal, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccurate information on my credit report theres several wrong addresses that I never lived and it doesnt belong to me I never lived in Connecticut theres another address that state that I lived at another unknown address can you guys please reinvestigate this reporting.
Product: Debt collection

, the inaccurate, unlawful information that you were able to furnish onto my consumer report due to Identity Theft. It does not meet the full compliances of federal XXXX. Codes, XXXX nor to the fullest extent of the FDCPA, CFPB, or FCRA ; neither were they reported with my written authorization. The furnishing of such inaccurate information has caused severe damage to my character, general mode of living and my ability to obtain credit for personal and house purpose. 
15 USC 1681 s-2 ( a ) ( XXXX ) ( A ) states A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
15 U.S. Code 1681a ( XXXX ) Exclusions ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; Medical Information is to be coded on my consumer according to the XXXX XXXX of XXXX, also you must have my written consent to report this coded debt. As this is medical debt. Lastly Medical debt is NOT to be furnished onto consumer reports as creditors view my consumer report in order to determine my eligibility for credit as stated below in Limitation on creditors. 

Account Number Account Status Date Opened Date Closed Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OPEN {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2200.00} ( XXXX ) Limitation on creditors Except as permitted pursuant to paragraph ( XXXX ) ( C ) or regulations prescribed under paragraph ( XXXX ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section XXXX ( a ) ( XXXX ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. 

( XXXX ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( XXXX ) or ( XXXX ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 adequately. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FIN Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX