23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX ( XXXX ) has been contacting 3rd parties regarding an old debt with The Cash Store and stating that there is a civil case against me and that my attorney needs to contact them. They continued contacting 3rd parties even after they confirmed my contact information. They also do not identify themselves as a collection company and claim to be lawyers processing a " claim against your social security number ''. When asked they refuse to provide a mailing address for me to request debt validation or to send a C & D.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Equifax Data Breach To Whom It May Concern, I am writing to formally submit a complaint regarding the data breach that occurred at Equifax in 2017, which has resulted in the exposure of my personal information. This breach has led to the creation of wrongful accounts on my credit report and I am requesting immediate action to have theses accounts deleted. 

Details of the Breach : I was made aware of the Equifax data breach through from an email Equifax had sent on XX/XX/year>. The breach has potentially compromised sensitive personal information, including my name, address, Social Security number, and other identifying information. 

Impact : As a result of this breach, I am concerned about the risk of identity theft and fraud. I have taken steps to mitigate this risk. However, I still feel vulnerable and seek further assistance. I am requesting the CFPB to investigate and delete all the wrongful accounts. I believe Equifax has a legal obligation to rectify this situation and protect consumers from the consequences of their data breach. 

Request for Action : I am requesting that the CFPB investigate Equifax 's handling of this data breach and the subsequent impact on consumers like myself. I believe that Equifax has a responsibility to protect consumer information and to provide timely notifications and support to those affected by such breaches. I'm demanding that the following accounts be taken off my credit report immediately Accounts : 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  Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide regarding this complaint.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have disputed this account before and it has not reported however its still showing on XXXX and equifax. the last reported dates are even incorrect. It keep updating and don't even say the description of debt. i need to see an original contract. Nothing is accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Debt collection

Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX   to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XX/XX/2018XXXX XXXXXX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Product: Credit card or prepaid card

On XXXX XXXX and XX/XX/XXXX I called Macys stating that my credit report XXXX, XXXX were reporting a incorrect of {$1000.00} and the balance of my account was 0.00. I visited my account on line and its shows a balance of {$35.00} dollars for interest. I called Macys again. on XX/XX/XXXX and I was told by the billing department that they will credit the 35.00 but they will. not correct the information. 
I am very upset since I paid my entire balance and it was before there statement closed so they should I reported a 0.00 balance. I want my credit report to be updated with 0.00 immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

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
Product: Debt collection

I opened a secured credit card in XX/XX/XXXXwith Discover bank that went into default. The bank closed the account in XX/XX/XXXX and later sent me a XXXX. In XX/XX/XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle the debt so they would stop reporting it monthly to the credit bureaus and I was told : " that is not an option '' The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XX/XX/XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX  District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.
Product: Credit card

Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it.
Product: Credit reporting or other personal consumer reports

On all 3 credit reports ( Experian, XXXX, XXXX ) there is unknown address, Names, Date of births. My ONLY Name, Address, and Date of Birth is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> There has been numerous collections placed on my credit report without my knowledge nor have I not been notified of such collection tied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX XXXXXXXX Account Number # # # # # # XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, Account Number, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!
Product: Checking or savings account

Citi bank said they sent me a check for my remaining funds. They said 30-60 days for the check to be mailed. The account was closed in XXXX. Near the end of the month. Without any info. I went to DC last month and went into a branch I was told the same exact thing as before but its been well over 90 days! I need my money. I have every right to it. $ XXXX
Product: Mortgage

I do not receive mortgage statement neither by mail or emails, none available. I am not able do online or by phone payments. no response to any of my emails and certify letters. Erroneously my XX/XX/2020 mortgage payment was applied towards my loan balance principal and this has caused their records to be a month behind. Mortgage modification information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wfie and I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature.

15 US Code 1666b In accordance with FCRA, ( XXXX XXXX ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit file on XXXX and saw that Ally Financial pulled my credit report without my permission. I called and spoke with a rep in the customer service department XXXX agent # XXXXand he stated that he would send it to the fraud department and after investigation they will contact the credit bureaus. The problem I have with this, they only asked for my name and address, which I provided. I explained to him that that was generic information and I couldn't imagine that that's all the info he needed. In there phone system I put my social security number and no account popped up. He couldn't explain to me why Ally pulled my credit on XX/XX/2022 without my consent ; therefore, I have placed freezes back on my credit report and I am filing this complaint. I need this off my credit report and this company to be held accountable fir fraudulent practices.
Product: Money transfer, virtual currency, or money service

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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX of 2022, i filed a dispute XXXX, Transunion and XXXX about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX XXXX  XXXX  confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX Balance : {$10000.00}
Product: Payday loan, title loan, or personal loan

ON XX/XX/2018 I recieve a letter saying I have 10 days dated XX/XX/18 to respond to lender about my payday loan payback. 
On XX/XX/18 they submited payment for payday and was withdrew on XX/XX/18 Now by them doing this caused my account to go negative and some payments were denied When I question them about letter that they sent me answer was '' ya so what '' Not was it rude and unprofessional but it caused my account to go negative The letter clearly says I have 10 days to respond to letter before submiting to bank for payment
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I follow disputes with all three credit bearers XXXX Trans Union XXXX came back verify when requested a letter for prove they failed to do so The company that Im disputing is XXXX XXXX when requesting letters from these creditors, they said they are no longer requesting payment because the account has been charged off
Product: Student loan

I have struggled since XXXX to work under the Public Service Loan Forgiveness Plan. Recently, Mohela has taken over servicing the loan. I have attempted multiple times to request for Mohela to correct the incorrect information they have about the number of payments I have made under PSLF and the number of payments remaining and Mohela continues to leave incorrect information, tries to get me to not make payments on my loan and also to not reflect the payments I have made. I have THREE payments remaining of the XXXX. For XX/XX/XXXX, XX/XX/XXXX and the FINAL Payment on XX/XX/XXXX, the FINAL payments are XXXX, XXXX and XXXX. I believe that Mohela is acting in bad faith with multiple borrowers and they are trying to keep people in debt when we have worked very hard under the PSLF program. Mohela sent me the attached letter in XX/XX/XXXX showing I had 8 payments remaining as of XX/XX/XXXX. Then in XX/XX/XXXX, they sent me a letter showing I had 8 payments remaining and again in XX/XX/XXXX showing I had 6 payments. I made 5 more payments during the period of XX/XX/XXXX to XX/XX/XXXX and have THREE payments left on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Mohela keeps trying to change the payment amounts or tries to have me pay nothing, tries to defer me and sends inaccurate information. I would like CFPB to prevent Mohela from acting in bad faith toward borrowers and correct the number of payments I have made under PSLF which is XXXX. On XX/XX/XXXX, I will be making my XXXX payment.
Product: Credit reporting or other personal consumer reports

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


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


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

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

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


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Hello, I am writing this letter to have the following information deleted off of my file.I am a victim of identity theft. I ask the items be delete and my credit report to be updated correctly. 
Ive reported the theft to the federal trade commission 's identity theft affidavit. 
Please resolve the problem asap.
Product: Credit reporting or other personal consumer reports

l am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681 ), 609 ( 15 U.S.C. 16819 ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries thatI do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Equifax
Product: Money transfers

I ordered a product that turned out to be not as advertised. I returned it using the return shipping label that was provided in the package. I tried to resolve this with the seller, who said they run into these types of problems all the time and would refund my purchase minus a 20 % restocking fee. I told them the product was not as advertised and I was owed the full refund. Then the seller said I need to register my email with paypal in order to receive a refund. When I told them I was registered as such, they said they could n't find it and they had " to move on '' and would " not respond to any more emails ''. By that time, it was outside the window in which Ebay could have helped. Paypal said they would help but they need the tracking number, but I explained that the seller would have that because they issued the return label, but they do not require the seller to help resolve this, so no help. I am out my money as well as the product and I only did what was normal, return a product using the label provided by the seller. Paypal could and should refund my money. Paypal protects sellers who are crooks and scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from "  XXXX  ''. I have not done any business with this company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history as follows : Late 30 days in XX/XX/XXXX Late 30 days in XXXX XXXX XXXX USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX I believe this is incorrect and should be removed by the provisions of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act of 2020. According to the CARES Act, during the COVID-19 pandemic, creditors were required to report accounts in a manner that did not adversely affect consumers who were granted forbearance or other relief due to pandemic-related hardships. The account in question is reported as late, despite my eligibility for such relief under the CARES Act. Remove these incorrect late 30 and 60 days from my report!