23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called waypoint resource group is attempting to collect a balance from XXXX XXXX  that I paid over a year ago. They are also including junk fees in the amount of {$67.00}. 

I am having my credit threatened.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting

XXXX ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX.
Product: Credit reporting

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3.ACOUNT NAME : XXXX ACC BAL {$710.00} This was never validated please delete. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I found that your company is reporting inaccurate and incomplete information that has caused significant harm to my financial standing.
Product: Student loan

My son has a student loan with navient he requested a forbearance which was granted. However we continue to received threatening letters. My husband and I have suffered serious setbacks since I sign for this loan. We lost our home, my husband lost his job and I have had a XXXX but yet they continue to harass us. We are lucky to meet our bills and XXXX bills let alone having to worry about our low wages being garnished. Phone calls are constant to my husbands phone and he is not even on the loan. They also continue to threaten him and are reporting XXXX us to the credit bureaus which made it difficult for him getting a new job beside his age. Everytime I get XXXX of these letters my XXXX XXXX goes up. I 'm not sure what is allowed and not allowed but this harassment seems excessive. It technical in XXXX Ohio is the name of the school. Navient is the loan co. What are my options? How do I make them stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC dispute letter and proof of identity to Experian XXXX and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} , DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and Experian and via fax for XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a COLLECTIONS ACCOUNT opened by ABSOLUTE RESOLUTIONS INV on XXXX under the account number ( XXXX ), an collection originally owned by XXXXXXXX XXXX and sold to XXXX XXXX XXXX. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was incarcerated please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.
Product: Debt collection

On XX/XX/2020 I sent by certified mail requesting Verified Certification from I.C system to verify negative information my credit report. They have yet to response by law.
Product: Student loan

My payment was approximately XXXX days past due. Navient called me XXXX times on XXXX/XXXX/15 and another XXXX times on XXXX/XXXX/15, starting at XXXX XXXX. The collectors were rude and sarcastic, and I requested no further calls, but they kept calling. I also promised to pay in the next few days, and they still kept calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan serviced through XXXX. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. XXXX recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.
Product: Checking or savings account

Hi- my name is XXXX XXXX. Last Monday I had contacted you on behalf of my family regarding the fact that Bank of America had put a stop payment on a check received 5 days earlier following a falsified report that the check was stolen. On Thursday we were contacted by a representative from BoA wanting to discuss the matter and hopefully get it resolved, as my bank balance was plunged into the negative because of their actions. 

I have been trying to call the person in question, a gentleman named XXXX XXXX, since that day. And every time I or my mother have called it automatically bounces to his voicemail. We have no idea where this person is or when he'll be in his office, nor can we wait another day or two because again my bank account, our only means of survival, is still in the negative and we are now completely out of money.
Product: Money transfer, virtual currency, or money service

I had a Paypal Mastercard and paypal opened a cash card account that I did not want.

I came to find out the Paypal Mastercard was actually managed be XXXX and not Paypal.  The paypal cash card account was setup to withdraw money from my personnel bank account with XXXX XXXX, I did this thinking it was all one Paypal system. 
The charges I was putting on the XXXX card account kept going to the Cash card account and XXXX was withdrawing money directly from my XXXX XXXX checking account causing my checking account to go over drawn costing me overdraft charges. 
I closed the Mastercard On Monday XX/XX/XXXX since XXXX was putting all the charges on the cash card account. 
I dreXXXX money from another account and placed it in my XXXX XXXX account and sent a payment to the XXXX cash account so I could zero the amount due and close the cash card as well. The amount did transfer and I continue to get charges from Paypal. I have spent hours on the phone trying to communicate with them but can't get past the automated helper. I got on a chat line on Wednesday XX/XX/XXXX All they could do was give me an email to the accounting dept https ; //paypal.com/us/smarthelp/contatus? email=privacy. I sent an email requesting the account be closed immediately as it was destroying my bank account. 

The problem is Paypal withdrew {$3400.00} dollars from my bank account for a reoccurring {$15.00} donation to XXXX XXXX. They over charged me by {$3400.00}. 

Also note that this item is inactive in Paypals home site ( see attached )
Product: Credit card

On XX/XX/2023 I was charged of XXXX $ as deposit for a bid of XXXX $ that I didn't make from a capital auto auction. 
I request a refund but they denied. I bided for XXXX and I saw that they increased to me to XXXX $ without any reason. 
The transaction was declined and they took the XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Doge accessed my information without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Bloc!

Inc.19 e to equal19 ustomer 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 a " 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 or other personal consumer reports

Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX  XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. 

Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX  XXXX, to verify my victim status and obtain supporting documentation. 

Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved.

As of now, the following unresolved fraudulent accounts continue to affect me : Auto loan from XXXX XXXX, opened on XX/XX/XXXX with a balance of {$45000.00}. 

Multiple XXXX  XXXX credit card accounts, opened on XX/XX/XXXX, with balances totaling {$3400.00}. 

XXXXXXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$1900.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, one with a balance of {$770.00} and another charged off at {$32000.00}. 

XXXX XXXX auto loan, disputed for incorrect payment records. 

XXXX accounts from XXXX XXXX ( balance of {$330.00} ) and XXXX XXXX ( balance of {$2200.00} ). 

These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX 

Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have prevously disputed the erroneous data for XX/XX/XXXX through XX/XX/XXXX with both XXXX XXXX and Equifax. XXXX refuses to fix despite acknowledging status of the accounts as being in a disaster forbearance and subsequent deferment for the period ( XXXX ) of derogatory history reported to Equifax. In my prior Equifax disputes, Equifax has translated it to general eOSCAR code " incorrect account information '' to get around having to conduct an actual investigation. In its place Equifax then requests an automated update of the information for the account/tradeline resulting in perpetuation of the inaccurate/unverifiable information ( adverse credit history ). As an aside, this practice is not new, as XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. provided written testimony to the HOUSE XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, on behalf of the XXXX XXXX XXXX XXXX XXXX, specifically outlining the practice ( retrieved from https : XXXX ). A copy of the testimony is attached. 

The attached documentation shows XXXX own response to the CFPB explaining the periods of deferment and forbearance for both subgroups. Consequentially Equifax CAN change the information without the input of XXXX.
Product: Checking or savings account

XXXX {$4600.00} debit from personal account to square cash. Wife had XXXX  XXXX and I was in hospital for 3 months every day XXXX, Around XXXX noticed XXXX unauthorized debit, reported to bank president at stellar bank XXXX, XXXX told they could look at it since it was recent but other {$4600.00} was too old to investigate. I accepted her statement. Recently I had my XXXX account hacked for XXXX, XXXX not helpful at all until I submitted a case with you and then XXXX XXXX called me and was now willing to discuss because she said a cfpp rep had called. XXXX reversed THANKYOU!!!
Product: Checking or savings account

On XX/XX/2023 and account was opened online in my name at Frost bank. I received a call on XX/XX/2023 from XXXX XXXX who works a Frost Bank notifying me that an account was opened in my name. I let her know that I did not open the account and I have never opened an account at Frost Bank. She immediately closed the account and reported it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX  accounts are sold and never reported in remarks .Still reporting limits and balances.
Product: Consumer Loan

In XX/XX/XXXX and again XX/XX/2016, I attempted to make an online payment to on my car note with Regional Acceptance Corp - RAC - ( an affiliate of BB & T Bank ). I tried a number of times. Each time I received an error message of sorts that indicated that I was unable to make a payment. On XXXX/XXXX/16 I called an RAC branch office in XXXX, NY as directed by the error message. I spoke to XXXX at XXXX who advised me that RAC has blocked my ability to make free, convenient online payments because my payment is late. Stunned by this blatant discrimination against consumers that fall behind, I asked XXXX if that is RAC 's policy and she assured me that it is their policy to offer the " convenience '' of free online payments to customers whose accounts are up-to-date ( not late ). I told her that I have made a number of online payments in the past despite my account being late and she basically called me a liar. I asked XXXX how that policy makes any sense whatsoever and she very robotically repeated RAC 's policy. RAC purposely and maliciously is blocking consumers ability to make free, convenient online payments if they are behind on their car note!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent reports on my account and would like them removed. They are hurting my ability to open new credit
Product: Credit reporting or other personal consumer reports

Recently, it came to light that the social security numbers of all XXXX  have been compromised and it is in our best interest to freeze our credit reports. I was able to complete this with XXXX and XXXX, but not with Equifax. Their website doesn't work, their phone number just puts you on hold indefinitely, and it is impossible to get through to them. It is utterly preposterous that XXXX XXXX  are involuntarily required to rely on Equifax and they can not provide the services they need to. Inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted Immediately to correct my credit report.
Product: Payday loan, title loan, or personal loan

A collections showed up on my credit report from Midwest Recovery Systems. It says it's for a pay day loan. I have no information on this. I have no idea what it is. I don't owe for a payday loan from " XXXX XXXX XXXX ''. I have disputed it on my credit report, but I don't know how to reach this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. Experian, XXXX, XXXX. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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

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

Wells Fargo claims I took an auto loan in 2011. I did not. Wells Fargo has refused to send a copy of this alleged loan agreement. I know nothing about this alleged loan. Wells Fargo has repeatedly given me a run around. I have no idea what kind of a vehicle I allegedly bought or from which dealer I supposedly bought it from. 

This is clearly identity theft, if this loan even exists. Any signature would not be mine and would be a forgery. Wells Fargo wants me show a police report. How can I file a police report if Wells Fargo refuses to give me a copy of the loan papers? They seem to be keeping me in the dark on purpose. Wells Fargo has created false accounts before as is well known. 

I want a copy of this alleged loan or have this defamatory information removed from my credit report.
Product: Vehicle loan or lease

I paid off a Hyundai XXXX in XXXX of 2023. I have been calling Hyundai Motor Finance every 3 weeks for my title and lein release. They keep saying they mailed it to me or they will mail another one but I still have not received it. It is now XX/XX/XXXX of 2023. Now you can not even call them. It sounds like they have disconnected their phone. I need my title and lein release to sell the car. I can not get through to New York MVD title either.