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

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute an erroneous loan account through XXXX, XXXX, and Transunion. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.
Product: Debt collection

XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Reporting Account Not Verifiable as Debt NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to express my deep concern and formally dispute the reporting of an account that is currently impacting my life in significant and detrimental ways. This account, which is now considered income according to IRS guidelines, should not be reported as a debt. Which means this account should not appear on my credit report at all, as it is violating my consumer rights. 

Account name : XXXX XXXX XXXX Account number : # XXXX The continued Illegal and unfair reporting of this account has made my financial situation extremely difficult. I can not get approved for loans, credit, and even basic necessities, as this account casts a shadow over my creditworthiness. Under 15 U.S.C. 1666b, creditors can not report charges that can not be verified as legitimate debts. Additionally, 15 U.S.C. 1681 ( i ) ( a ) ( 5 ) requires that any unverifiable or inaccurate information be deleted from consumer credit reports. 
This account has profoundly affected my life. Due to the negative impact on my credit score, I have faced serious challenges, including periods of homelessness. Its hard to put into words how deeply this has affected menot just financially, but emotionally as well. The stress and degradation of my self-worth from dealing with this situation have been overwhelming. I never imagined that an unresolved account could lead to such dire consequences.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this account several times because I do not own this debt. Under 15 U.S Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, they shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately.

Please send : 1. A calculation of balance and payment history.

2. Proof of the agreement that grants this company the authority to collect this alleged debt.

3. A copy of the company 's state license including the license number. 4. Proof of how the company assessed the debt. 5. Copy of the original contract bearing my signature. 6. Chain of title on this debt. 7. Do they own it or was this debt assigned?

8. Copies of all letters sent to me from you and the original creditor.

9. How much did you buy this debt for?

10. What fees/interest was tacked onto this debt?

11. How were the fees determined?

12. Proof that this company carries a bond.

13. Proof that this company has the right to collect this debt in my state.
Product: Debt collection

A lot of banks was tried to be open on my behalf that I didnt try or authorize at all and now Im trying to get a bank but I cant please help me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We closed on a refinance with XXXX XXXX Loans in XXXX 2015. ( XXXX XXXX ). Prior to the XXXX payment date XXXX sold our mortgage to LoanCare. My wife and I have been homeowners/mortgage consumers for over XXXX years and have never repeat never been late with mortgage payments. My opinion, following our efforts to have LoanCare properly credit our XXXX and XXXX payments, is that this organization would have to improve dramatically to be deemed incompetent. 
We had not received ANY documentation from LoanCare prior to the first payments due date. XXXX had notified us, in writing, that they had sold the loan but no new loan numbers were provided. My wife made the payment using tne ONLY loan number we had at that time. It was, of course, the XXXX loan number. My wife scheduled the payment that was due XXXX XXXX, 2015 through a " bill pay '' service with our bank that has never failed to work properly in the past. According to bank records, this check was cashed/deposited by LoanCare on XXXX XXXX, 2015. After multiple calls, with many people who have apparently been through no customer service training whatsoever, it was determined that our payment had been credited to an account carrying a LoanCare number that matched our XXXX refi loan number. Correcting this error would seem to be fairly straightforward however this has yet to occur. Both my wife and I, on separate occasions, have been assured that the problem was addressed AND that with new mortgages they will not report late payments for the first XXXX days. Upon returning from a business trip last evening, my mail contained XXXX notifications, both dated XXXX XXXX, that our loan was " in default '' and action needed to be taken. As of this writing, we are XXXX days into trying to receive recognition for PAYMENTS ( XXXX ) that we have made, in good faith, to an organization that seems to be procedurally challenged. My concern is this : once the XXXX day period has passed will LoanCare begin to report my wife and I to Credit reporting companies and damage our FICO scores? The fact that we have dutifully made our scheduled payments and made repeated efforts to work with them to assure these payments are appropriately credited and reflected in their records but have yet to accomplish this, would make errantly reporting negative credit information a serious and unwarranted attack on my wife and I. Should this occur, and my wife 's or my own FICO scores be negatively impacted because of their flawed processes, I believe that it could expose them to serious liability.
Product: Student loan

I have told them several times that I have no way to pay this, and yet they continue to harass me. I 've asked for a deferment quite a few times, seeing as I 'm unemployed with no way to get a job, but they have n't done anything but demand money. Now, my grandfather has called me to let me know that now they 're sending him letters, saying they ca n't find me. They know my number, they send me bills all the time at my address. I 'm afraid they 're going to start harassing him like they have me and my family.
Product: Credit card or prepaid card

My interest is being manipulated, I am being charged HIGH fees, I have screen shots to show my statements not being available to reflect the correct balances. I would like someone to look into the possibility of fraud. I have already expressed my concern to the company.
Product: Bank account or service

I had quite a bit of frustration after receiving information that I would be charged upwards of {$33.00} an hour to have someone find a transaction for me from XX/XX/2015. I told XXXX from the Grand Haven branch on XXXX XXXX that this seemed backwards to me that I would have to pay to access my own history. She stated that it was the policy and that she stand by it. I told her that seems really unfair and that it does n't make sense that I would be charged when in my opinion the payment equals out pretty well considering that its the combination of they customers money that allows Chemical to loan money and earn interest. She laughed lightly and continued to state that this conversation is not going down that path. I told her alright well I do n't want to pay that, and I 'd like to file a complaint not on the person, but on the policy because it does n't seem fair to me ( I just want Chemical to know that because none of the credit unions I belong to have ever asked that ). She giggled again and said that she would transfer me but then hung up on me. I called back again and asked why she hung up on me, she hung up on me again. I called for the 3rd time and the call was answered and immediately send to a waiting line. Around 3-5 minutes later someone answered, apologized for the situation and said that I had been transferred to the wrong line. I said thats okay and she transferred me again but I have now been on hold the duration of me typing this message. ** editing this after 12 minutes on hold - I was hung up on again from the call waiting line. 

Overall, I came in rather disgruntled at having to pay a lot of money to look up one transaction on a specific date and time, and I came out with a total distaste for the employees at my bank. This is why I prefer to deal with credit unions. I will not be banking with Chemical for much longer.
Product: Credit reporting or other personal consumer reports

on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization 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 Additionally, there have been unauthorized inquiries made by the following entities : XXXX. XXXX XXXX. XXXX  Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having an issue with XXXX TransUnion and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX funding is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.
Product: Credit reporting

The date of original delinquency is wrong on my Equifax report pertaining to a XXXX XXXX XXXX loan. The loan originated XX/XX/XXXX, my first delinquency was XX/XX/XXXX. The vehicle was repossessed and then redeemed XX/XX/XXXX. Equifax has XX/XX/XXXX as my date of first delinquency, which is IMPOSSIBLE, seeing as the car was repossessed and redeemed 7 months prior to that! 
I submitted a dispute ( # XXXX ) they said XXXX disagreedI submitted a 2nd dispute ( # XXXX ) they said XXXX disagreed again. 
I called XXXX myself and requested a statement for my account showing all the activity. They sent me a copy and sent a copy to Equifax. Equifax received my copy and XXXX 's copy, which clearly states my first date of delinquency was XX/XX/XXXX. My 3rd and 4th dispute ( # XXXX AND # XXXX ) were both rejected stating that the info that Equifax has is correct, despite the letter. 

I honestly ca n't take this anymore! I do n't know who can help me. Since my date of first delinquency on this account was more than seven years ago, this account should be removed from my credit. Everything I have read on line states that negative accounts should be removed 7 years from the date of the first delinquency. It has already been removed from my XXXX and XXXX reports months ago, which indicates to me that Equifax is WRONG! 

PLEASE HELP ME!
Product: Student loan

Issue with AES misapplying student loan payments in late XX/XX/XXXX/ early XX/XX/XXXXand after payment correction they reported one of the loans as defaulted on my credit report and on their website. I submitted this letter via website and via fax to AES. This issue has not been resolved. Account # XXXX - Loan Sequence # 2 AES has a confusing practice of handling loans. The reps do not relay the same information from call to call. Mishandled payments and told me everything was ok after payment resolution and then they proceeded to report a defaulted loan. One account number with 3 loans and I could never talk to one rep about all 3 loans. <P/>RE : URGENT - Appeal Request - Reinstate XXXX Loan Request I am requesting an Appeal to reinstate the XXXX Loan ( XXXX ) currently in Default Status. I have two other loans ( XXXX Loan - Type XXXX ) and ( XXXX Type XXXX ) that are both in good standing. My account history will show that payments were always on time until the misapplications of payments began to occur in XXXX. Over a five month period inXX/XX/XXXX ( XX/XX/XXXX ) calls were made repeatedly to AES requesting that payments be re-applied correctly. It wasnt until Supervisor XXXX ( check my records for her rep id ) suggested that the problem required a review of the entire account in order to accurately correct all misapplied payments. Prior to this time the reps were only requesting investigation department correct the month in question and not going back to first occurrence of the problem in XX/XX/XXXX. InXX/XX/XXXX there was one more occurrence of misapplied payments. After each request a follow-up occurred to see if the correction was complete and each time the representative stated that the payments were corrected and that the entire account was current. On, XX/XX/XXXX I spoke with two reps prior before speaking to a supervisor for assistance. Supervisor XXXX ( rep # XXXX ) confirmed that my other loans are in good standing and did not find any issues with my payment history. He was unable to assist me further hence the purpose of the request. I request that you reinstate the defaulted XXXX Loan ( XXXX ) with the consideration that I had an exceptional customer history prior to this mishap and that you understand how the following facts directly contributed to the defaulted XXXX loan : 1 ) five months of misapplied payments, 2 ) two loans with same due date not clearly distinguishable to AES reps during calls, and 3 ) lengthy payment correction time. Please accept this request that I deserve to have the loan reinstated and not have my credit ruined as a result of these events. I have never defaulted on any loan ever. It is my desire that you provide exceptional customer service that is a direct reflection of me being a valuable AES customer. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company says because I reported fraud I can not have access to my account ( Credit report online ) ever again. If I want access to my report I have to get it mailed to me and also if I want to dispute anything I have to call or mail. I am being punished because of someone doing fraud through my account and this is not right!
Product: Debt collection

XXXX XXXX {$4800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX. Also. XXXX XXXX XXXX has repeatedly violated my rights since XX/XX/XXXX - XXXX Violated these laws : 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXX/XX/XXXX