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

XXXX has been holding my account against me since late XX/XX/XXXX. I have repeatedly sent documents over and over through the mail through fax they got approved one time and then the fraud department actually said they were approved but they needed to be submitted for a second time to be evaluated. I don't understand why and then I spoke with a supervisor and he basically said it doesn't matter that I submitted my documents he said that he just don't believe that I am XXXX XXXX and that he spoke to the real XXXX XXXX and that he stated that he did not apply for this account which that could not be true because I am the real XXXX XXXX and this is XXXX or XXXX months ago when I received that call. The manager also stated that this account will be closed because this is a fraud application so now it is 2025 and this account is still open and I have a past due balance that I can not pay because I am restricted from my online account and it is causing my credit score to drop lower and lower so I am requesting that the recorded phone calls get sent to me or to the financial protection bureau and someone needs to investigate this because this is going on too long my account has been restricted for XXXX months it doesn't make any sense at all. This company XXXX is discriminating me due to the sound of my voice and that they don't believe I am who I say I am because of the way that I sound he said I do not sound like a XXXX XXXX XXXX man I said what does a XXXX XXXX XXXX man sound like he said not like you so this is discrimination so I would like for all the phone calls to get pulled please and investigate it
Product: Credit reporting or other personal consumer reports

Dear Equifax, I recently disputed certain items on my credit report, and I have since received a response stating that the accounts in question were " verified. '' Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am formally requesting that you provide the method of verification used to confirm the accuracy of these accounts.

Please provide the following information within the legally required timeframe : 1. The name, address, and contact information of the entity that verified the disputed accounts.

2. A detailed explanation of how the verification process was conducted.

3. A copy of any documentation used in the verification process.

If you are unable to provide this information, you are required to delete the contested accounts from my credit file as per FCRA compliance. Failure to do so may constitute willful noncompliance and could result in legal action. 
Please respond within the timeframe mandated by the FCRA. I expect a reply no later than 30 days.
Product: Credit reporting

I contacted Experian as there are numerous accounts listed on my credit report that are obsolete. I know that I do not have to explain that after a certain amount of years I am within my right to request for old accounts to be removed from my credit file. I have asked Experian to remove all the outdated accounts and they have refused.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act (

CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's r ecent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX  XXXX XXXX  account XXXX XXXX account XXXX  XXXX
Product: Checking or savings account

I brought a flight with XXXX  but I canceled it before the day of that flight.
Product: Checking or savings account

I was charged a lot of fees and I would like to have them all refunded.
Product: Payday loan, title loan, personal loan, or advance loan

I made over 7 demands over the phone and in writing disputing my alleged remaining debt of over $ XXXX on an original {$17000.00} loan in XX/XX/year> which I paid over 5 years and over {$35000.00}, and they are alleging that I still owe over $ XXXX because they are illegally using predatory methods to apply {$8.00} or {$9.00} a month to the principal and illegal interest and late fees to extend the life of the loan while refusing to verify the loan. All disputed debt must be verified to be valid. I made demands over the past 2 years and over 6 demands in writing over the past 6 months. They have yet to send me the loan verification documents or the payment history. The debt is disputed and all collection efforts must cease. They refuse to send me the payments verifications for the past 5 years. I want an open investigation into their practices and especially into the local eagle rock local branch manager who uses illegal threats. Threats to repossess a disputed debt while she refuses to validate the debt.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was asked on XXXX to purchase XXXX by someone I thought I knew turned out her page was hacked, they then acted as if they were cashapp and asked for more money for the funds to be released..the total amount was {$600.00} bitcoin XX/XX/XXXX I was asked on XXXX to purchase {$300.00} XXXX and send I did, then they asked for another {$700.00} cause my wallet was frozen, I sent it, then they asked for {$2200.00} to cover transfer, I refused, and now I dont have money cause they moved it
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX  the funds were released. I tried to withdraw money from my paypal account. It declined when I tried to have it sent to my debit card. I then called Paypal I had gotten transferred to 3 representatives. The first two representatives said I had limitations on my account. Then the third representative said its a hard security block. Its nothing Paypal can do. I asked but why I have never abused my account and I barely use it. I explained that why would Paypal accept money but then block it for no reason and tell me to wait 72 hours. Up until now I never received an email or anything saying there was a issues with my account. PayPal just says the system does it by itself. The transaction is only {$94.00}. So at this point they wont give me my money not even by check or anything. They wont even close my account.
Product: Debt collection

A few days ago I received an email from a XXXX with a debt collection company called National Debt Relief , LLC. It stated that I had a past due amount of {$1800.00} with the loan business XXXX XXXX and that it was a final attempt to collect the debt. I did recall using XXXX XXXX back in XXXX  and to my knowledge had completely payed off the loan. They also threatened to inform my employer, take legal actions and to charge me {$4600.00} if I didn't accept one of their 3 payment options. 
At that time I began looking into it because at a first glance it looked to be a legitimate email from an attorney and legislator. Even using the XXXX XXXX logo header. 
So I did some searching around and saw that XXXX XXXX is an XXXX Texas congressional representative and there is a National Debt Relief but it's in New York. Also the other attorneys I was told to contact XXXX XXXX and XXXX XXXX appear to both practice law but one in South Carolina and the other in California. 
That's when it became obvious what it really was. 
So I called the business directly where I had gotten the loan from and they assured me I was in the clear and had made all my payments on time and had satisfied the loan years ago.
Product: Student loan

I signed up for automatic payments on XX/XX/ after their last fiasco of not being able to handle my previous monthly payments I made myself. And they STILL CAN NOT GET THAT CORRECT. I show past due because they cant auto debit correctly. This is ridiculous. Your company is supposed to help us and its just the same old thing OVER AND OVER. Why have they not corrected this? Do I need a lawyer? I mean Ive sent in a previous complaint regarding this company and you guys just closed the complaint. Do not close my complaint until you get resolution. Im tired of filing complaints to you for nelnet being derelict in duties.
Product: Debt collection

I been calling customer service members that work for American first finance to come to an agreement and pay balance owed, but they are asking for close to XXXX when the balance on my credit report shows XXXX dollars. I feel that is not a correct balance I am looking forward to coming to a fair agreement. Customer service members arent participating well.
Product: Debt collection

I owe ca {$3800.00} to Eagle Loan Company for a loan I used to pay for my car. Eagle Loan 's local offices are located at XXXX XXXX XXXX, XXXX, OH XXXX ( phone number XXXX XXXX ). I have enrolled in a debt relief program with XXXX XXXX XXXX XXXX XXXX, and they have been informed of this. When I told the loan officer this, whose name is XXXX, he yelled at me to " listen to me, we don't work with debt relief companies '' and I hung up the phone on him. ( I am separated from my family, struggling to handle all of my many debts since then, I am in both XXXX and XXXX  counseling and I don't need to be yelled at by anybody right now. ) I then blocked their number. Apparently this annoyed them enough so that they called my family home 's neighbor, XXXX XXXX, in order to get him to contact me and have me call them. This occurred today, apparently ( Thursday XX/XX/XXXX ) and I get a text message from XXXX at XXXXXXXX XXXX about it. I want them to stop harassing anyone about my debts, or telling anyone about them, and wait for XXXX XXXX XXXX to work out an arrangement with them for me to pay off the debt. I fully intend to pay the debt through negotiation, and am making regular {$290.00} payments to them with each paycheck in order to work out all of my debts - I am just asking for their patience and courtesy.
Product: Credit reporting or other personal consumer reports

I'ma victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX  XXXX XXXX Balance : {$70.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with my old cable company. They say I owe {$110.00} and I say I don't. They've turned it over to a collection agency, AmSher Collection Services, who has reported the alleged debt twice to XX/XX/XXXX, once on XXXX XXXX and once on XX/XX/2020. I called AmSher ( today- XXXX XXXX XXXX ) to ask them to remove one of the reportings and they told me that they wouldn't do it and that they can keep reporting the debt until it is resolved. Is that legal?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Below is a list of fraudulent, inaccurate, and false information both accounts and inquiries : Account name XXXX XXXX XXXX  Account number. XXXX Date opened. XX/XX/XXXX {$240.00} Account name. XXXX XXXX XXXX Account number. XXXX, XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX {$560.00} Account name. XXXX XXXX XXXX Account number. XXXX Reported balance {$450.00} Date opened. XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Reported balance {$460.00} Date opened XX/XX/XXXX Account name XXXX  Account number XXXX XXXX Reported balance {$240.00} Date opened XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX XXXX Reported Balance {$66.00} Date openedXXXX Inquires : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

The creditor closed my account without my knowledge and still reporting late payments and emailing me.
Product: Debt collection

ONE MAIN VS MYSELF, XXXX XXXX. 

XXXX XXXX GA JUDGE ORDERED CASE DISMISSED IN MY FAVOR AGAINST THE PLAINTIFF ONE MAIN FINANCIAL. 

ONE MAIN FINANCIAL IS ENGAGING IN SHADY BUSINESS PRACTICES REPORTING THE DEBT TO CREDIT BUREAUS AFTER DISMISSED JUDGEMENT & ALSO REPORTED INCORRECT & INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened with XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections such as XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 has violated my rights. 

15USC 602 states I have the right to privacy.

15 USC 1681 section 604 states a consumer reporting agency can not furnish account information without my written consent.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Almost years after the last late payment all three agency are reporting the above mentioned late payments and using it as leverage to wether or not I am extended credit and at what interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX, and Equifax about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.
Product: Debt collection

I had to take my car for inspection and it failed costing me over 300.00 to fix. I was unable to make the monthly payment to XXXX XXXX and reached out to them for help and I was told I could not defer the payment for XX/XX/XXXXand was informed I would receive late fees. The was explained to them several times. On Friday XX/XX/XXXX I received 21 phone calls from XXXX XXXX. I stopped taking their calls because I informed them that as soon as I was able to make the payment I would do so and that since the account was opened I have made all my monthly payments on time. I have gone as far as blocking their number and they would just call from another number. I dont know how many times I have to explain why the payment was not made.
Product: Credit card

Hello I have been trying to get Avant to correct my address for XXXX weeks without anyone doing anything, i have called so many times emailed sent police case number indentity theft report and still nothing is done. Avvant allowed someone to change my address they keepsending replacement cards to the XXXX address and now i have alot of XXXX going on with my reports please see some of the emails I have sent below I am contacting you because my address was changed fraudulently on card XXXX as well as other card numbers that I had to call and get them to cancel they have even reset different cards to the fraudulent address in XXXX. My address is XXXX XXXX XXXX XXXX Texas XXXX which I have lived here for 11 years. 
that is on my personal information still today as I write this on the Avant portal I have been dealing with this since XXXX XXXX please see the email threads and attachments in this email along with case number from Police department, Identify theft report, picture of my ID. 
I can not get anyone to correct this situation. I have called many times as well as emailing and nothing is being done. Due to the lack of checking my information before XXXX of your reps did this, I have now had issues with other credit cards and all three credit reporting agencies have the fraudulent address on my reports BECAUSE XXXX OF YOUR REPS JUST CHANGED MY ADDRESS WITH OUT REACHIG OUT TO ME!!! 

XXXX day I called again XX/XX/year> and spoke with a XXXX who created a complaint report # XXXX she then hung up on me so I called back and spoke with the lost stolen cards and spoke with a XXXX which cancelled the card ending in XXXX. She also made a complaint as well to her XXXX. 
I need my account to be correct immediately my address XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Please call me at the following number XXXX ext. XXXX this is my work number Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. XXXX  and equifax failed to do so.

also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy XXXX violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. XXXX EQUIFAX AND XXXX have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX XXXX HAS CHARGED ME 10 times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if not. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : 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: Debt collection

I wanted to inquire about this debt. I dont understand why it is on my credit report since I have not received anything in the mail prior to seeing this debt from IC System on my Credit Report. 

It is to my understanding that IC system is required to send written notice prior to inserting themselves on my my Credit Report and wait 30 days from that point before they put it on my Credit Report. Furthermore it appears that theyre attempting to collect on a XXXX XXXX XXXX related debt and I have also never had any XXXX XXXX XXXX related products. 

If IC systems feels this debt is valid please provide me with the original terms and conditions that state that IC system is allowed to benefit in the form of interest and fees. Simply providing me with monthly statements is not going to be sufficient please note I am asking for validation and verification of the original terms and conditions related to the debt and not just monthly statements. 

As a result of this alleged debt I was also turned down for a recent line of credit with XXXX   XXXX XXXX for {$30000.00} and they specifically referenced the debt being the sole cause. I needed this line of credit for a remodel for my business.. 




Please do not contact me by telephone please communicate in writing only via USPS mail. In the event that you or anyone reading this complaint do call me I am revoking permission to record my voice or use automated pre-recorded dialing systems. Any calls or communication in connection with this debt from IC System or XXXX  I do consider to be an attempt to collect on a debt so please govern yourself accordingly. Debt collection matters and subject to the fair debt collection practices act and The California Rosenthal act. I am also now represented by an attorney and want IC System or XXXX  to communicate with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX