23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint against Uplift regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Uplift website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Product: Credit card or prepaid card

I opened an SYNCB/TJX XXXX XXXX Card in XXXX of XXXX approximately, I used the card for about 9 months, after that, I had my wallet stolen with my picture ID and copy of my social security card, my bank card, and my SYNCB/TJX card. I suddenly received a bill from SYNCB/TJX, and I contacted them to explain what had happened, in a few words, they said that I owed them money and I needed to pay them all the charges, plus fees and interest on purchases that I never made and I reported fraudulently. 
I explained that I would not pay for something I did not purchase, and they threaten to continue to collect the funds and damage my credit. 
They have damaged my credit and my ability to live a normal life. Until a friend told me I needed and could report this issue to you. 
I am asking for your help to have SYNCB/TJX, drop all the charges since they are not my charges and this situation was reported. Please have them mail me a letter confirming that I am not responsible to them for any amounts owed and that they have been aware of this situation for years. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 XXXX accessed my credit report fraudulently. They received my information from XXXX XXXX. XXXX XXXX has since sent letters stating that the information to XXXX was sent in error and to remove the inquiry. I also, sent 2 letters and called to inform them that access to my credit was not authorized. I was not seeking lending from their company. Furthermore, I have an active fraud alert that states that I must be called to verify all applications. At no point did XXXX call me to verify the legitimacy of the information they received. This is a violation of US Code. I stated this in letters and via telephone and they refuse to acknowledge their error and remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX Balance Owed : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously XXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX  about this issue and they told me they already fixed the error on their end and I would need to get in contact with Transunion, XXXX and XXXX about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm a senior citizen and a victim of identity theft. TransUnion XXXX has posted a Bankruptcy on my credit that isn't mines. I need this updated on their report and verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Amount : {$200.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account and another XXXX  XXXX I had with a different collection agency. So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe. 

Creditor : XXXX XXXX Amount : {$400.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe.
Product: Debt collection

XXXX ( XXXX ) XXXX This phone number called me at least twice a day every single day for the last two weeks. They claimed that they were collecting a debt of {$140.00} that I had outstanding with XXXX XXXX. I hung up and contacted XXXX  directly and they said that I have no outstanding balance owed, nor have they contacted any debt collector regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification
Product: Checking or savings account

My account was closed for no real reason. I reached out to the company and they completely ignored me. I then filed a complaint with the XXXX and yet again they lie and gave false information. Nobody has said anything to me, I still have not received the money that was in the account and no one has reached out to me about anything.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am submitting a official complaint against Equifax and their XXXX XXXX XXXX as well as A complaint against XXXX XXXX. Equifax is not following the complete law of the XXXX XXXX XXXXXXXX XXXX XXXX. They are only going on some of the ways that a XXXX XXXX XXXX  can provide proof of being a XXXX XXXX XXXX. I submitted by the law one of the ways by the LAW that I can follow. Also Equifax is not supposed to question the validty of any Paperwork nor are they supposed to go beyond 4 days of my request for removal. I also want to bring awareness to the unethical act of XXXX XXXX. He contacted me on my personal email that bares my likeness asking me to prove that I am a XXXX XXXX XXXX XXXX. Against my better judgment and embarrassment I sent him Proof. I have never received a message from Equifax to my personal email address. I have never received a message from any other Credit Bureau Employee. I always have received messages from their website or a phone call. I would like to bring this to the attention of the CFPB, Congress and I would like to speak with the President of Equifax regarding this. I will NOT sit by and allow Equifax to do this to myself or to another XXXX XXXX  XXXX. CFPB PLEASE read the law for yourself and see that I am compliant and Equifax is NOT. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}
Product: Debt collection

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX IDENTITY THEFT REPORT PHILLIPS & COHEN ASSOCIATES REFERENCE : XXXX DATE : XX/XX/2025 THIS IS NOT MINE
Product: Debt collection

I have attempted for several months to obtain validation of a debt reported on my credit report by XXXX XXXX  XXXX, including several certified mail validation requests, disputes to the credit reporting agencies, and utilizing a credit dispute company. In reference to account number XXXX in the amount of {$4100.00}, my complaint is two-fold. First, XXXX XXXX XXXX has failed to, after numerous requests, provide adequate debt validation, including my signature on any documents pertaining to this debt. Secondly, XXXX XXXX XXXX is not legally authorized to collect debt in the state of Georgia. Therefore, I am requesting both proof of this debt belonging to me, including documents that contain my written signature, and also physical proof that XXXX XXXX XXXX is legally authorized to pursue and collect debt in the state of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I sent TransUnion LLC a request to remove inaccurate addresses, phone numbers and workplaces along with 2 Debt validation letters due to them reporting inaccurate items on my credit report and instead of them investigating the disputes they sent me a copy of my credit report and response letter stating they need authorization stating it doesn't appear I sent it. I am not working with a credit repair company or anyone else I am working to resolve the inaccuracies on my own. That's verification that they did receive the disputes I submitted.
Product: Debt collection

Convergent Outsourcing has been harassing me to collect a debt of {$560.00} from the original creditor XXXX. I PAID in FULL XX/XX/2016 my bill in cash directly to XXXX and this is not legal. It has shown up on my credit report and it is unfair that this has affected my fico credit score. I need it to be removed from all credit bureaus. I paid my financial obligation and should not be harassed by phone, my house phone and mail for a debt that I have already paid in full. I have spoken to XXXX and they have told me there is XXXX balance that I owe. I need this removed from all 3 credit bureaus immediately and for the harassment to stop.
Product: Debt collection

CFG is a ruthless company and I would suggest not dealing with this company. I did borrow from them for my business, however my company was no longer making any money as I no longer had my short term rental. I was making the daily payments but realized could no longer continue as I was barely making {$2000.00} per month to pay {$99.00} per day. So in order to ensure that they get paid I researched and decided to go with a resolution company to show good faith. They claim that the resolution company has not contacted them, now I have a XXXX year grandchild who stays with a XXXX where where the dates are expired and asking the company to illegally hold my revenue. They used a software to created a false document -See attached form. It is time for the FTC and CPFB to get involve and stop these companies. Something needs to happen to prevent these people from XXXX  individuals when individuals have signed up with a company to try to fulfill the obligation even though they do not have the revenue that was coming when they first started. They are practicing illegal methods. Loan amount is {$5500.00} yet they are demanding over {$15000.00} with no detail of the charges to dispute or validate. In order not to lose my Statement of work which they are causing, I had to agree to a payment amount which has been paid and they stated my funds would be released. I am still waiting. Now this is what happened to me -DECLINE IN RECEIVABLES / ABUSE BY FUNDERS If business receivables have declined, the funder must reconcile the repayments to correspond to actual receivables rather than estimated receivables. Why have not been released as per agreement. 
Company did not to receive any legal paperwork thus the company I contract with was illegally sent a false document. Not a court ordered document with expired dates, but a document created in a software program.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, CITI CARDS CBNA, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX   and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.
Product: Credit reporting or other personal consumer reports

Hello after reviewing my credit report directly from all three credit bureaus I noticed that several accounts on there did not line up and I did not consent to have on my report. Under FCRA Law 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report these accounts to my credit report. Also 15 U.S.C. 1681i section 7 method of verification on how these accounts were verified as factual. The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have prohibited me to receiving new credit and because they are violating 15 U.S.C. 1681 n ( a ) ( 1 ) ( A )
Product: Checking or savings account

On XXXX XXXX XXXX when i received a Government loan via SBA for sole proprietors ( PPP ) worth {$20000.00}. 


I have been having issues with my recipient bank account ( Capital one ) for a said loan that was credited to my personal checking account. Some part of this funds were place on hold as they claim they needed to do further investigations on my account activities. 

XX/XX/2021, I called back and was told my account has been frozen and no documents were requested of me to help their investigation. I have had different agents from capital one threaten me to go get a police report for them to get a statement released to me by their investigative units on why my account was closed. I eventually had to go to the police station, because I was curious to know what exactly they were basing their investigations on without requesting any form of documentation. Surprisingly, the police were equally confused as to what the bank was requesting of me, as they do not provide any service of such. 

Only to realise that I have been speaking with the wrong people as claimed by a capital one bank agents I eventually got through to, I was told the bank has decided to end their relationship with me, but the account was still active and funds dropping into it for several months that I couldnt access. 
Later someone else called me to mail my tax documents for the business to their fraud department XXXX, which I did. But didnt get a response or resolution from anyone afterwards. 

On the XXXX of XXXX, I received my child tax credit, and called them to get update on my account because I needed to get my kids funds that the govt paid into the account, as thats is where all my funds go into from IRS. I was told I cant access any funds until investigation is done. 

On XX/XX/2021 I discovered my bank account with all my funds ( {$9100.00} ) including the balance of my PPP loan were no longer available and account closed. I did not receive any notice to this regards, I called the bank and fraud number, everyone was cutting me off after keeping me on hold for at least 1hr. 

When I could finally get through to the bank, I was told my account has been closed and still under investigation. 
And my PPP loan balance will be returned to the lender ( XXXX XXXX XXXX  ) after which whatever is due to me will be mailed to my address. 

I was told to reach out to my lender, which I did, they said they do not have any activity regarding PPP loan and no funds is coming to them from any bank as they already concluded the program. 

Meanwhile, my loan forgiveness has been completely approved by my lender/SBA. But my bank insist I do not qualify for the loan or forgiveness ( with no reasons reasons ) .I have been humiliated by several agents over this issue. Some screaming at me like I stole from the bank, and not providing me with any valid information on my account. 

Since then till date, I have been waiting for my check mailed out to me, still no word or letter from them. 

So the question now is, if the lender is not receiving this funds, who will? 

Thank you for your understanding in this matter.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus to dispute department of educationXXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with XXXX and Equifax who continues to report on account that is no longer belongs to me.
Product: Money transfer, virtual currency, or money service

I submitted a claim via PayPal regarding transactions equaling over {$12000.00} to XXXX. I did not authorize these transactions but they refused to return my money. They said I had to contact my financial institution XXXX XXXX for relief. The representative was very off putting at XXXX XXXX when I explained that I didnt approve these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, FL . XXXX To whom it may concern, Loan Number XXXX with Wells Fargo I was struggling but my mortgage was up to date went I received a call from XXXX XXXX one of Wells Fargo representative who explain to me that they are going to give me a break for six month and after the six month they would restructure the loan to made it more affordable and for the six month that I did n't pay they would put it back at the back of the account that was XX/XX/XXXX 
Between XX/XX/XXXX or XX/XX/XXXX There were someone at my door handed in me a foreclosure notice, So I went and got a third party name XXXX XXXX XXXX XXXX XXXX they also goes by the name XXXX. 
After paying them XXXX dollars I request to speak to Lawyer and I told her that I want to attend the court that when she told me that the case is in the first stage so I ask her how long it goes to go on for she told me about three to four year I ask if I have to continue paying the XXXX dollars a month and she say yes so I told her that not going to work and I 'm not going to pay no more money and they should stop representing me. 
Now went i get the court paper the date on those court paper would be expired. 
I received a call from XXXX XXXX wells Fargo representative telling that the property will be sold at action on XXXX XXXX XXXX. I did n't go to court but I was inform by XXXX XXXX it did n't go through and he gave me another date went it will be sold XXXX XXXX XXXX. I went down town to file a motion to cancel the sale. Enclose a copy of the motion. 
On XXXX XXXX XXXX I went to the court someone at the door checking the paper told me that there is a mistake on my paper work and he would let me in so I did have to leave. 
Again I received call from XXXX XXXX letting me no that the property own be sold he is given me the modification and that is what we working on from time until now. 

Your truly XXXX XXXX This is a follow up letter I wrote to the CFPB last year but I did n't got a respond so this is the second attend.
Product: Credit reporting or other personal consumer reports

During all three investigations not one time to TransUnion ask me for my legal proof all three times I was denied and then on the third time of being denied asking for proof that they have denied me three times I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX  XXXX Balance : {$680.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}