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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED IN AND TALKE TO A REP REGARDING MY ADRESS ON MY CREDIT REPROT IT STILL IT DOESNT SHOW ACCURACY. I SENT IT MY MAIL 2 WEEKS AGO AND TRHEY STILL HAVENT RECIEVE IT. IM ENCLOSING MY ADDRESS AGAIN CAN THEY UPDATE MY CREDIT FILE WITH MY CORRECT ADDRESS
Product: Mortgage

They told me about the pandemic forbearance option and now we behind 11 months. My family was affected by the pandemic and we lost several family members because of that. Also, My husbands income stopped because of the pandemic. Now, we are back to work and ready to resume payment but out lender SPS refuse to work with us. They denied us for the deferral and the modification option and they want us to pay everything at once. Please, Help us!! is out only home. 

Loan : XXXX Property : XXXX XXXX XXXX XXXX CA XXXX Homeowners : XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

This is not my account Ive never opened this it was opened fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

As per guidance from my bankruptcy attorney, I sent a letter request to TransUnion on XXXX XXXX, 2017 requesting my free copy of my credit report. Along with the letter, i included a copy of my drivers license and my social security card. 
I received a letter back from TransUnion stating that my request couldnt be processed because they need proof of current mailing address. I provided my driver license which has my mailing address and is listed on their letter as an acceptable form of proof of address, on the reverse side of this letter is a form to fill out which includes payment ( visa, mc, etc. ) Therefore they are refusing to fill my request because they want payment?? 
I called Transunion today and spoke to a representative XXXX who said he had my credit report up in front of him and that i can go to the website and request the copy. i do not wish to submit my personal information ( including ss # ) on their wensite. I am entitled to a free report. 
This is a scam as transunion is only looking for customers to pay for their credit report even if they are entitled to one per year for free. 
Very disappointed and untrustworthy. very unfair business practices. 
Please assist.
Product: Credit card or prepaid card

XX/XX/2XXXX XXXX XXXX XXXX, I made a purchase, {$71.00} with newly approved Old Navy credit account, Receipt last XXXX = XXXX Never received card. 
Got billed and noted, not just my purchase, but fraud charge {$720.00} by XXXX XXXX XXXX ( sic ). Under that is " Other Transactions '' and " gas, groceries etc. Statement last XXXX = XXXX I sent a note, explained the above, with payment for my purchase of {$71.00} and note disputed the {$720.00} to XXXX. I questioned how that was even possible, since Old Navy is a clothing store. Never did get answer. 
I stated emphatically to cancel account and I do not want another. Explained why : called XXXX different numbers for Old Navy. None allowed talking with actual person, just going in circles wanting payment. 
Finally on-line chat that referred me to Synchrony Bank XXXX Here we go again with automated system. Research led to another on-line chat that referred me back to Old Navy! <lousy customer service> Again to Old Navy, given another number to Synchrony Bank.

Accepting my claim of Fraud, Old Synchrony falsely reported i.d . theft to credit reporting agency. 
After 4 months, still no real investigation. 
Why 2 different account numbers? 
Was cashier involved? Or staff that processed card? 
I researched the business XXXX and found numerous scam and Fraud ; i.e. Construction, Employment, Government grants, and not to mention, Transport Servic. 
Now, Synchrony has manipulated my payment and fraudulently attributed {$11.00} to " Interest Paid ''! 
All previous statements are 0 Interest.

Previously, Synchrony stated I'm " Responsible, Authorized, Participated In or Benefited. '' False. 
I asked Where, Exactly, did the XXXX charge emanate from? 
They've been adding late fees, Interest And sent me not just one, but 2 different credit cards! 
They harrass me for payment, but never did an actual real investigation. 
Reported i.d . theft when I stated never received card, and pointed out One fraudulent charge by XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed in a dispute to Experian, XXXX and XXXX Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from Experian stating the account is now being reported on my credit report, again, because they receive information from XXXX XXXX XXXX stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with Experian and XXXX to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off ( all loans paid to XXXX balance ) through the Public Service Loan Forgiveness ( PSLF ) Program as of XX/XX/XXXX. The account on my credit report is still reflecting total balance owed {$99000.00} and last update was XX/XX/XXXX. I tried calling XXXX several times to ask about an update to show " PAID OFF '' and " XXXX Balance owed '' on my report. I was advised to contact annual credit report. This negatively impacting my ability to acquire new loans and/or credit in the future.
Product: Credit reporting or other personal consumer reports

I have written to Equifax for the last 2 months asking them to validate my disputes with my sign. All I'm getting back is account has been validated. That doesn't not show proof I did it.
Product: Other financial service

I have a bad experience to DMB financial credit counseling collecting my XXXXXX/XX/XXXX toXXXX.after recieving the collection letter and letter from the court I fax all yo them, they said dont worry we take care of this until, I revive one call from DMB they said is settled, every time tried to apply loan they ask me why I get behind " I said I do n't know I pay every eng of the month I said '' I call them again and answer me I do n't know you pay XXXX a month.until I got the garnishment letter XX/XX/XXXXi fax that letter to them and they work on it.I 'll wait for how many days but no one answering my question, so I went to credit adjuster ask them why I get garnishment.the answer is they stop tha payment since XX/XX/XXXX to XX/XX/XXXX I ask the DMB why the answer was shock me my tear drops, shaking and yelling them because is not been settled my principal loan increase and telling me I 'm not in the program anymore.
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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Sallie Mae is making it extremely difficult to enter a repayment plan for my student loans causing undue stress and financial hardship. I began repaying my student loans, in full, 6 months after I graduated. I was an entry level employee with the federal government and lived at home with my parents. Even then, my total student loan payments were causing financial burdens. I inquired about repayment plans and was told I should try to lower my interest rates by activating automatic payments. So I did. I didnt see much of a change to make them more affordable. That was 3 years ago. I have now farther advanced in my career, in the field of which I studied in school, and my job became more demanding so I had to make geographical relocations and take on more financial responsibilities. Even though this was even more of a financial adjustment than previously, I continued to try to pay my student loans and was able to enter an income-driven repayment plan with my XXXX student loans. I inquired about income -driven, or any, repayment plans/options Sallie Mae offered and I was told my only choices were to now defer my loans, ask a co-signer, or consider filing bankruptcy. I was forced into deferring my loans. Sallie Mae explained they would only allow me to put my student loans into forbearance for 12 months, for the lifetime of the loan. I would accrue interest during that time. After watching my principal balance increase drastically in just a few months, I decided to inquire about repayment options again and cancel my forbearance period. They told me the only way I could even be considered for a repayment plan would be to allow my loans to become delinquent. I called multiple times to speak to someone about this and they all advised me to do the same thing. So, ultimately this company wants you to allow your financial situation to get worse, have your credit score take a hit, on top of cause undue stress, just to enter a repayment program. Making someone pay {$1400.00} a month for private student loans when they make less than {$2500.00} a month is robbery. Their representatives are very unhelpful and it seems as if that is this companies motive. I know they allow them to say certain things and tell them not to offer/say certain things. This is an extremely unethical way of conducting business and as a large stake holder in student loan debt in America, the federal government should hold companies such as these to higher standards. Especially for the greater good of the American people that simply wanted to afford a better life by going to college.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I ordered a water slide for my grandson from XXXX XXXX. I utilized PayPal to complete the transaction. PayPal automatically withdrawals the funds from my union bank account. After several months I had not received the item I began emailing the company they sent my a tracking number. Months later I received a package in the mail with one pair of female socks, ( definitely not what I ordered ). I made several attempts to contact the company via email with no response. I contacted PayPal and they advised I would need to contact my financial institutions since the funds had been withdrew from my personal account. So I contacted my bank and was provided with a number to contact consumer financial. I have made several attempts to resolve with the shipper, PayPal, and XXXX. This transaction cost was {$99.00} On XX/XX/2020 2020
Product: Credit card or prepaid card

THERE ARE 6 INACCURATE ACCOUNTS REPORTING TO MY CREDIT REPORT THAT ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$4600.00}, 2. XXXX ( ACCOUNT # XXXX ) AMOUNT : XXXX or {$6700.00}, 3 ) XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$890.00}, 4 ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$3400.00}, 5 ) XXXX XXXX XXXX  ( ACCOUNT # XXXX ) AMOUNT : XXXX {$6.00} ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$280.00} XXXX ALL OF THESE ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED. 

XX/XX/XXXX/MAIL XX/XX/2020 XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020XX/XX/XXXXXX/XX/2020 XX/XX/XXXXXX/XX/2020
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XXXX received money on my behalf through a subsidiary named XXXX from a company for which I do consulting work ( XXXX ) but the money ( {$7000.00} ) was illegally transferred to Fifth Third Bank.
Product: Money transfer, virtual currency, or money service

Cash app States that you can cancel a payment or if you have a disputes they will investigate I had disputed a charge on my cash app account I didn't recognize the name on the transaction nor did I receive a text for said transaction I ask them for help with identifying the individual and all I got were automated responses And so after their failure to respond or give me any type of information regarding my request I reached out to my bank and dispute the charge. And I inform them that I had spoken to cash app and ask for their help and they failed to provide it and I also let them know that I did not receive a text for that particular transaction like I do the rest of my transactions. 
( Please note this is not the 1st time I had to reach to my bank regarding a Cash app issue and each time I did I would eventually get an email asking me to verify my account ) Shortly thereafter after I receive a request from cash app to verify my account and when asked why I need to verify my account I got no answer I did try to verify my account using my debit card they want the head on file and they keep telling me they're were unable to verify my account even though my card was scanned in on their app and sent by email. and now they have closed out my account and are refusing to reopen or offer any assistance. 

please note that email associated with my Cash App account is a XXXX  account
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I discovered some credit card and vehicle loan accounts that are not 100 % true and can not be validated in any manner! These items are not being reported as 100 % accurate! I am aware that reporting any information, data, credit cards, or inquiries that do not appear to be 100 % correct is against the laws that safeguard me and other consumers. Within Because these fake collections on my credit report are a serious violation of not reporting an account 100 % accurately, I have the right to sue Experian and XXXX and XXXX for violating the Fair Credit Reporting Act, which states that everything on my credit report must be 100 % true under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ). If not I can sue these companies for {$1000.00} per violation in federal court!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding incorrect information on my credit report. Specifically, my name is misspelled, which is a significant error that could negatively impact my credit history and score. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and complete information on my credit report. This law protects consumers and requires credit reporting agencies to correct any inaccurate or incomplete data in a timely manner. 

I have already attempted to resolve this issue by contacting the responsible credit bureau, but I have not received a satisfactory resolution. Therefore, I am requesting your assistance to ensure that my name is corrected immediately on my credit report and that I receive written confirmation of the correction. 

Thank you for your attention to this matter. I am available to provide any additional documentation necessary to resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX address XXXX XXXX XXXX XXXX Florida XXXX
Product: Debt collection

Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Product: Payday loan, title loan, or personal loan

I am recieving XXXXs from a fake banking company. They sent the offer via mail and i have the letter they sent. Its an offer for a {$1500.00} dollat loan with an intrest rate of 299 %. I know this is a scam because of the high intrest rate. Attached they have a listed website and a seemingly legit buisness. The company name is CashNetUSA. Attached is a card similar to a credit card a traditional legit bank would send as well as a website and a phone number. 
# XXXX They have another number attached where the person can call to recieve an " opt put notice '' but this is a trick just to obtain the victim phone numbers and possibly sell the number to other companies. 

The scam is they are posing as a fraudulent credit institution and they are sending it via the postal service and as an XXXX 

Thier return address is XXXX XXXX, MN permit XXXX. XXXX However its stamped with another address : XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX. 

This is directly targeting individual residence using XXXX.
Product: Debt collection

On XX/XX/XXXX, I mailed the attached letter to ARstrat because XXXX improperly denied payment on a medical bill relating to my son 's birth on XX/XX/XXXX. XXXX failed to add my son to our account for over 4 months. The hospital ( XXXX XXXX XXXX in XXXX  ) agreed to resend the bill to XXXX, but instead sent it to collections. I've disputed the debt with both the original and collections creditor, but wanted to make the CFPB aware to complain directly to XXXX since their delay caused the initial failure to pay the hospital timely, resulting in inappropriate and stressful collections to me, the end user. I have a XXXX XXXX XXXX and a XXXX XXXX  career, and am writing this email at roughly XXXX XXXX at work. The military should better support its dependents.
Product: Money transfer, virtual currency, or money service

I used Zelle from my chase app and they had the mobile number of the my known contact given to someone else! The money was never received bby the intended person and zelle never gave me my money back. They are ok with others using other peoples info to make zelle accounts.