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

I used a XXXX 's credit card, later on could not afford the payments due to financial distress around the month of XX/XX/XXXX. Maintained contact with the company informing them of the situation and was reassured it could be handled with no credit repercussions. Later the account was sent into collections at which time i contacted the company and arranged a payment plan to pay the account in full with two payments of approximately {$150.00} dollars and was told the account would have a remaining balance of {$0.00} dollars. Looking at my credit report the company has me with a remaining balance of {$6.00} dollars with numerous late reports. This information is inaccurate and is effecting my credit score in a major way not allowing for my family and I to be approved for a home loan. Contacting the company I am continuously told there is no balance and nothing they can do for me as far as my credit report.
Product: Credit card

We were making payments to our credit card capitol one, we were having a finacial hardship. I was on unemployment until i was called out of town for work, my wife is on the account to manage and make payments. My schedule was XXXX XXXX hour days, at a power plant in Washington XXXX. My wife XXXX tried to contact capitol one to freeze the account for legal by law, they refused to help us being that I could not make the call myself i gave a verbal to Capitol One she had binding right to change or contact Capitol one for me, they refused and sent my account to coolections. Now they are demanding payment we can not afford. Had we been given the chance for the freeze, this would have been diverted.
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 their 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I disputed these accounts and requested proof from the original creditors that this debt collector owns these debts and has the legal authority to collect them or delete these accounts immediately. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

RASH CURTIS & ASSOCIATES with account # XXXX RASH CURTIS & ASSOCIATES with account # XXXX
Product: Prepaid card

Back in XXXXXXXX  at the end of the first year of the pandemic my grandparents both XXXX XXXX XXXX XXXX and I had to go out of town to take care of their business my mother and I both went out to their home and were gone for a couple of months during that time I did continue XXXX XXXX XXXX XXXX during his time and ended up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My California XXXX card was stolen by a person who lived with me and has since been convicted of his crime and I just find his trial so I should know. {$25000.00} was spent and that was all unauthorized I put in my first claim with Bank of America they had a 100 % product protection of clause and the contract and I also submitted police reports and a video evidence submitting on my claims it's the video evidence had the man going to be ATM and getting the money out in several because he knows it with me nowhere to be found cuz XXXX XXXX XXXX  also they denied that way at first within not even 5 days then XXXX claim and then I be getting a letter saying that they were unlawfully denying claims if I didn't agree to reopen my claim and I reopened another one in XX/XX/XXXX and that one was open and pending all the way until I finally started calling them again on the XXXX and then they decided to deny it again with no police there's no basis to deny my claim that's how I know they're not doing any kind of pending until XX/XX/XXXX of this year meaning that claims open for 2 years they have 45 days to make a decision and did not they only denied it only XXXX of this month because I began to call in again now they never did an investigation because if they were and had they do a man was arrested and caught with my california XXXX card and submitted a police report to back my accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

FOR OVER A YEAR I HAVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE IS USING MY PEROSNAL INFORMATION TO OBTAIN SERVICES AND GOODS. I'VE UPLOADED SUPPORTING DOCUMENTS TO SUPPORT MY CLAIM AND NOTHING HAS BEEN DONE. I'VE MADE A POLICE REPORT REGARDING THIS MATTER. THERE ARE FRADULENT ACCOUNTS REPORTING UNDER MY CREDIT FILE AND EXPERIAN IS REFUSING TO REMOVE MULTIPLE FRADUELNT ADRESSES BECASUE THEY ARE REPORTING BY CREDITS WHICH ARE ALL FRADULENT. ALL SUPPORTING DOCUMENTS HAVE BEEN PREVIOSULY UPLOADED AND WILL BE UPLOADED AGAIN.
Product: Credit reporting

I have tried every which way in obtaining my free report. They are completely evasive. Experian is no comparison to XXXX and XXXX. I had no problem with either of them. 
Please help me obtain my free credit report from Experian. 

Thanks, XXXX XXXX XXXX
Product: Debt collection

Recently, I have experienced concerning interactions with Amsher Collections Agency that have led me to believe that they have engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer laws. 
Upon checking my credit report and as I have been a victim of identity theft I found Amsher Collections reporting to my credit file. I have not received anything in writing about this debt. I also requested validation of such debt via mail dated XX/XX/2024 but have yet to receive anything Specifically, I have reason to believe that Amsher Collections Agency has engaged in the following behaviors : XXXX. Failure to Provide Verification of Debt : Despite my requests, Amsher Collections Agency has failed to provide adequate verification of the alleged debt they are attempting to collect from me, as required by the FDCPA.

2. Harassment and Misrepresentation : I have received numerous harassing and misleading communications from Amsher Collections Agency, including threats of legal action and misrepresentation of their authority to collect the debt.

3. Lack of Compliance with Consumer Rights : Amsher Collections Agency has disregarded my rights as a consumer under the FDCPA, including the right to dispute the debt and request validation of the debt.

These actions have caused me significant distress and concern, and I believe they constitute clear violations of consumer protection laws. I am requesting that the Consumer Financial Protection Bureau investigate these allegations and take appropriate action against Amsher Collections Agency to ensure compliance with all applicable laws and regulations.
Product: Credit reporting or other personal consumer reports

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out any and all authorization. 15 USC 6802 ( b ). Opt Out
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt 1 of 2 expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by Experian. The account XXXX XXXX XXXX XXXXXXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. XXXX and XXXX do not report the account so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give TransUnion written permission to furnish these accounts. 

XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why the bureaus reporting this as late payment I'm always pay on time, I can't remember I pay late I know I never pay late delete this late payment status I'm paying om time always
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One is reporting on my credit report for a debt since XX/XX/XXXX. This debt is well over the statute of limitations. Cap One keep re-reporting debt as hard inquiry on my credit report with all 3 bureaus. Based on XXXX XXXX it was last reported on XX/XX/XXXX and was not removed as promised from Cap One. 

I disputed this error last year XX/XX/XXXX CFBP Complaint number XXXX and received the response from Cap One " The account charged off on XX/XX/XXXX, with a balance of {$520.00}. On XX/XX/XXXX, we referred this account to XXXX XXXX for collections on our behalf until XX/XX/XXXX. On XX/XX/XXXX, we referred the account to XX/XX/XXXX for collections until XX/XX/XXXX. Our records show that your account ending in XXXX was settled on XX/XX/XXXX, in the amount of {$290.00}. We understand you would like us to delete the information we reported about your account. Weve confirmed that were no longer reporting this account to the Credit Reporting Agencies. '' ( see the attached ) I should not have to suffer for inaccuracies reporting on my credit report for this debt any longer.
Product: Checking or savings account

In XXXX of XXXX we opened a XXXX online with Wells Fargo Bank using money from our existing Wells Fargo account. The XXXX matured in XXXX of XXXX and we were informed it would auto renew unless we cancelled it. When I attempted to cancel the XXXX I was informed Id have to visit a branch in person to do this. When I did, it took over thirty minutes and three separate interactions with bank personnel to cancel the renewal and put the funds back into our checking account. Had I not cancelled, the XXXX would have renewed at 1.9 %, a fraction of the current rate. The primary account holder is my father-in-law, an XXXX XXXX XXXX man living in assisted living who has mobility issues. 

While this issue is now resolved, there is no doubt in my mind that Wells Fargo is preying on its customers, especially ones like my father-in-law, who would have great difficulty complying with the artificial flaming hoops the bank has established to simply not renew a mature XXXX
Product: Debt collection

I have an account on my credit report from the US Department of Education that I have no knowledge of, I did not apply for a student loan, I have never gone to college, I have no affiliation with that company. I have attempted to contact them multiple times with no success. The loan amount is for {$290.00} and it shows that the account was opened XX/XX/2019. I have NO knowledge of this, I believe this was a result of identity theft or perhaps a mistake with SSN numbers, I have no idea. I need this removed from my credit report NOW.
Product: Payday loan, title loan, or personal loan

I recieved a email stating my loan was approved. I never applied for this loan I called them .they informed me to make a police report I did. they sent information to my email had all my information my old job number as well as my old account that was shut down over 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  XXXX was founded in Atlanta, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXAccount Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXE XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$3000.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A THE XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID XXXX XXXX  ago to all bureaus and XXXX XXXX  XXXX XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to equifax. It just keeps happening.
Product: Debt collection

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, XXXX XXXX XXXX XXXX I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Debt collection

These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX and TransUnion regarding XXXX inaccurate account appearing on my credit report. The account in question is listed as follows : XXXX XXXX XXXX XXXX XXXX  ( {$1000.00} ) The account listed above is inaccurate/incomplete/fraudulent, and I believe it has been incorrectly reported by both XXXX and TransUnion on my credit report. This account was never opened by me. I have already made several attempts to dispute this information directly with XXXX and Transunion. Despite these efforts, the inaccurate account remains on my credit report, which is negatively affecting my XXXX XXXX and overall financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be mailing the documentation to you. I have one and I keep deleting tons of complaints. This complaint is regarding Experian Credit Bureau. I did everything and they are only one I'm having problems. The person that stole my identity, has a account on Experian, under my social security, I told them in the later wrote on XX/XX/2021, I told them in letter because I could not log in their website because that email. 
I have XXXX XXXX and on XX/XX/2021 while in my backing acct their was link to Experian to check XXXX score. I clicked on link, and discovered Experian still that email under my social security number on my bank account. I told XXXX, because of Experian incompetence my bank acct has been blocked for 9 days!
Product: Vehicle loan or lease

Hyundai Motor Finance has been really been amazing with me in all my XXXX purchases until I received an email from their Billing Department ... XXXXand this is what it says : XXXX XXXX your payment is now past due. 
XXXX XXXX for To review your most up to date balance, please log-in to your account at XXXX or click on the " Pay Now '' link below. 
Total : {$280.00}, due XX/XX/XXXX Total amount due {$280.00} Due date XX/XX/XXXX Issuer To review your most up to date balance, please log-in to your account at hmfusa.com or click on the " Pay Now '' link below. 
Account number XXXX Please help as their XXXX Consumer Affairs is absolutely not responding to my complaint. Proof of my payments is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove from my credit report
Product: Credit reporting

I contacted Equifax via fax and mail stating that I have no business with these inquires on my credit report and I want them removed. How many times is it going to take to have them do there job. I have put a fraud alert on my account so no one opens an account under my name.