23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was unable to make payments to my Sallie Mae student loan due to insufficient funds during the middle of COVID. I had no job, and my unemployment was XXXX  $ / week and I couldn't even afford to eat and Sallie Mae told me they would give me 1 month of forbearance and that's all!

My credit score dropped to a XXXX and I've been struggling to increase it but I have a 90 day on my credit report, and no matter how many times I try to dispute this multiple times and still no success.
Product: Credit reporting or other personal consumer reports

I recently checked my Credit Report for the first time in a while and I noticed that there were fraudulent inquiries that I did not allow and induce and I would appreciate if they could be removed because they are fraudulent.
Product: Payday loan, title loan, or personal loan

I had a loan through a Jeep Dealer with 5th 3rd Bank. A check was sent to them XX/XX/XXXX per there payoff instructions. First they wouldn't even verify they received the check from the party buying my Jeep! Cant verify they have it or it is even good. Even after I sent proof they already had pulled the funds! Now it has been 2 weeks and my loan is showing paid off and the account closed. They have still not even bothered to send me the {$4000.00} balance they owe me! Said they will send a check in a few days! XXXX! I am so sick of the central bank and your useless services. XXXX, XXXX and XXXX. We will not need you soon XXXX willing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XX/XX/22 saying that a credit card was opened in my name with Avant LLC. I immediately reached out to Avant LLC to report it as fraud. I tried to dispute the inquiry/account to XXXX as fraud, but XXXX rejected the dispute. 
I placed a freeze with all XXXX credit bureaus & I am trying to prevent & /or remove any further attempts of inquiries. 
Yesterday I received a letter from XXXX XXXX  saying the my application for an XXXX XXXX  card needed more info as I had the freeze on my SSN. 
This morning I received a call from XXXX  XXXX XXXX saying it needed to verify some things before beginning the process of the card application. 
I have also been made aware that there is an address listed in my XXXX XXXX file that I have never lived at & doesn't actually exist. It says that my name is on the title for the property.
Product: Debt collection

XX/XX/24 : I received email from " XXXX ( TrueAccord ) XXXX ''. 
stating I owe {$260.00} to a " current creditor of your original XXXX XXXX XXXX XXXX account ''. 
I contacted XXXX XXXX XXXX  at XXXX and they advised that I do not owe any money and there is no record of any past due or collection activities on my account. 
I called True Accord at XXXX and spoke to agent # XXXX advising her of my conversation with XXXX XXXX XXXX. I asked her for the account number for the XXXX XXXX XXXX debt. She then asked for personal information that I would not provide. 
She said to respond to the TrueAccord email and someone would help me. 
I responded to the email asking for the account number related to the debt and explained that I spoke with XXXX XXXX XXXX and I have no debt owed. 
XX/XX/24 " XXXX '' from True Accord emailed me back and asked for personal information before he would provide any further information.
Product: Debt collection

In XXXX of 2017 I reached out to American Credit Acceptance in attempt to resolve the matter of a late car payment. My car payments have always been on time. My car was stolen and I was unable to locate the car and made the company aware and they did not care they kept trying to seek payment on a vehicle I did not have and threatened to report payment history to credit bureau and threatened to take me to court. Again I told them the car was stolen, whoever stole it got it towed and the car had vehicle damage in which it was still covered under the GAP insurance so it was covered. This was made known to the car company and still they sought payment. We agreed on an amount and i paid them settlement offer and they still refuse to remove from my credit report and close account. It is unfair, I was a victim of car theft and identity theft!
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. XXXX XXXX XXXXXXXX. {$6800.00} Acct # XXXX
Product: Credit reporting or other personal consumer reports

I have federal loans out for my son that were put into auto deferment during Covid, in the meantime the loan changed its owner to nelnet that we could not identify and then did not update our mailing address when we moved in 2021. We are behind because the loan company did not inform us that it restarted XXXX that the loan was bought by someone else. It also did not have our new mailing address. I need this delinquency removed from my credit report.
Product: Credit card

re : Barclay 's Case Number : XXXX I was recently the victim of a scam that purported to offer me employment. The scam involved a job interview, a presentation of benefits, an employment offer letter, a W4 submission, and ( importantly ) a request to purchase my equipment for this new C-level role. 

I complied with the requests and, on XX/XX/24, approved a transaction of {$7200.00} via XXXX to cover some of the equipment my new company would be providing ( a new XXXX, XXXX, XXXX XXXX, and XXXX ). I even completed a reimbursement request form ( also enclosed ) for this purchase. 

Despite a shipping invoice to prove my purchase ( also enclosed ) I NEVER received either the equipment or the reimbursement promised. 

After some further communication with the scammers, I realized that a scam was taking place and immediately ceased communication.

But this was not until after I had 1 ) resigned from my job and 2 ) submitted large transactions for the purchase of equipment.

Following the advice of the FTC, I submitted a dispute for the charge incurred on XX/XX/24. After summarizing the issue TWICE to Barclay 's phone representatives, I received a denial of the dispute letter.

I called the phone number in the letter to request a callback from a manager, who informed me there was nothing the dispute team could do as the purchase was via a payment processor. Nor ( more importantly ) could they direct me to anyone who could provide any support.

So not only was I a victim of a crime, but now Barclay 's is demanding I pay back the money stolen with accrued interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason- I've asked XXXX, XXXX XXXX Equifax to take off these accounts because it's not accurate information it was not verified and they did not respond to last two disputes.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

They have charged me twice for my insurance. I paid on XX/XX/XXXX for XXXX.. Then my card people did a charge back on XX/XX/XXXX that brought me to a negative XXXX.. I got my payroll check XX/XX/XXXX.. XXXX put me back in negative XX/XX/XXXX so I couldn't pay my bill so I deposit {$140.00} so my gym membership of XXXX could come out, so it left XXXX in my account.. I talked to my insurance company and they didn't get the money.. And I sure didn't authorize that transaction..
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX of XXXX. I updated the company on this change and adjusted the amount however, when I received my next bill the previous amount on the statement was owed. Ive provided documentation to TransUnion 3 times now that shows the amount due was not correct and they refuse to remove it from my account. 

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

XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA, has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$400.00} which is incorrect, I do not owe them anything. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owe them money, and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. 
XX/XX/XXXX COLLECTION BUREAU OF A XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$400.00} I would like XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA to immediately do the right thing by contacting each of the credit  bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions COLLECTION BUREAU OF AMERICA/ XXXX XXXX XXXX XXXX XXXX XXXX having on my life. 
Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit reporting or other personal consumer reports

The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my TransUnion, XXXX, and XXXX credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : TRANSUNION : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion XXXX and XXXX credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed in my Federal Trade Commission Report & a dispute letter with those specific items listed as well to Equifax in regards to fraudulent activity that took place with the use of my SSN to open accounts in my name and on XX/XX/2020 I called the customer service number of Equifax to check the status of my dispute and the agents ' supervisor advised me that they had not received any FTC document or any dispute letter ( s ) regarding my account and I do not understand how that could have been when they were delivered 5 business days later per USPS. I would like to get this resolved as soon as possible as this is an urgent matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor, XXXX XXXX  XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, Portfolio Recovery, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and Portfolio Recovery to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and Portfolio representatives simply mocked me.
Product: Debt collection

AD ASTRA RECOVERY SERVICE FOR XXXX XXXX  IN XXXX, TEXAS, THE TEXAS STATUS OF LIMITATION ON DEBT COLLECTION AGENCY IS 4 YEARS AND THIS DEBT IS 6 YRS 6 MONTHS, IT WAS REMOVE FROM XXXX   CREDIT REPORT, XXXX CREDIT REPORT BUT XXXX WILL NOT REMOVE THIS COLLECTION AGENCY FROM MY CREDIT REPORT, I HAVE DISPUTED IN WRITING THAT THE TEXAS STATUS OF LIMITATION 4 YRS HAS EXPIRED THAT THE COLLECTION AGENCY SHOULD BE REMOVE FROM MY XXXX CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT PLUS, INC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX  and XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CREDIT PLUS, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CREDIT PLUS, INC for review or collection.
Product: Debt collection

I request that you provide the following documentation to verify the legitimacy and enforceability of this alleged obligation. 
Requested Documentation 1. Certified Copy of the Original Promissory Note A true and complete Certified Copy of the original promissory note bearing my signature, which forms the basis of this alleged debt. 
2. Full Chain of Title ( Proof of Assignment ) Documentation showing all assignments or transfers of this debt from the original creditor including dates, endorsements, and all intermediary parties involved. 
3. Full Statement of Payment History, including : A detailed history of the account Dates and amounts of each required payment. 
Payments made, their application, and any penalties or interest charged. 
A detailed calculation of the outstanding balance.

4. Start Date of Delinquency The specific date when the account allegedly became delinquent, and an explanation of how delinquency was determined.

5. Name and Contact Information of the Original Creditor The name, address, and contact information of the original creditor, along with the date this debt was incurred. 
Legal Basis for My Request Promissory Note Requirement : Under the Uniform Commercial Code ( UCC ) Article 3, the party seeking to enforce a negotiable instrument ( e.g., promissory note ) must provide proof of possession of the original instrument. 
Case law : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) established that the promissory note is the principal obligation, and without it, the mortgage or security interest can not be enforced. 
Chain of Title Requirement : Courts have held that an unbroken chain of title is necessary to prove standing in debt collection or foreclosure cases. 
Case law : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) invalidated foreclosures where lenders failed to provide documentation showing they were the rightful holders of the loans. 
Debt Validation Requirement : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt, including the identity of the original creditor and evidence of the amount owed. 
Important Notice Debt collection activities must be suspended until this debt is validated, as required by 15 U.S.C. 1692g ( b ).

Failure to provide the requested documentation may be a violation of federal and state consumer protection laws and could result in further legal action or complaints with regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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
Product: Money transfer, virtual currency, or money service

I would like to enter my name in the XXXX complaint. I had issues with a scam but received my money back.
Product: Checking or savings account

In XXXX of XXXX, I realized XXXX had been double charging me for a subscription. I had an annual subscription with them so it didn't make sense. I reached out to XXXX  who immediately apologized and tried to rectify the situation. However they had been charging me for months and their system only allowed them to refund the cost I occured within the last 90 days. They told me they would escalate for a higher up team to try to bring resolution. After realizing there hadn't been a refund for this after a 45 day period, I reached back out to XXXX  who told me their system wouldn't allow it and they I need to simply dispute the other months through my back. So I disputed them through cash app which is the card that was charged. Within 6 hours, cashapp sent me a message stating I had filed a fraudulent dispute and closed my account. Cashapp claimed they had did a manual review which I verified with XXXX  they never received any information from XXXX. They literally accused me of filing a fraudulent dispute which my dispute is very much valid. You can see the double charges for the subscription on my account and there is only 1 monthly fee for a XXXX  subscription. And I have an annual subscription not a monthly one. 
CashApp closed my account, violating my consumer rights to file disputes with retaliation. They are bullying consumers by closing our accounts anytime anyone files a dispute to discourage us from our legal rights. My direct deposits go to this account and this should not be allowed by cashapp. They are abusing their authority and consumers and finding ways to maneuver our consumer protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment appeared on my report. The lender verified by e-mail that this payment was never late and said they would report it correctly the following month. It never got reported correctly despite several communications and multiple responses that they would fix it. I'm not able to file a dispute directly with the reporting agency because there's already a dispute.
Product: Checking or savings account

On XX/XX/2024 I transfer {$2800.00} from cash app to my bank account so I can pay my rent on XX/XX/2024 ally bank suspended and locked all of my account access so I wont be able to use my money they asked me to call I called on XX/XX/2024 and they verified my identity over the phone and I verify all the transactions and activity the account they still refused to unlock my account and told me I have to wait for a investigation with no time frame they also wanted me to tell cash app that the transaction was fraud which is ridiculous why would I lie to a cash app and say fraud when its clearly not fraud and youll ally bank is just holding my money that was transferred from cash app. This company is scamming me out of my hard earned money I called them on XX/XX/XXXX begging for a update because thats my rent money they still said its no timeline it can take as long as they want for them to make a decision I even asked them can they just send the funds back where it came from they still wont do it. This is crazy!!! Today is XX/XX/XXXX and my landlord has sent me a eviction notice and late fees because I dont have the money to cover rent because ally bank has locked my money I will have to move back with my parents because I dont have any emergency funds ally bank wont send my money back or unlock my account please help me this has really destroyed my life