23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.
Product: Credit reporting or other personal consumer reports

I am a victim of identtiy theft and there is fraudulent accounts reporting on my credit. 

1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}
Product: Consumer Loan

In XXXX XXXX I took out a title loan on my XXXX XXXX XXXX. I borrowed {$1900.00} from Check City located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was unable to make my payment in XXXX. I contacted Check City and advised them of my circumstance. They assured me everything was okay and to make the payments as soon as I could. On XXXX XXXX, XXXX my account was turned over to their collection department. With a balance owing of over {$2800.00}. They charged me a {$400.00} late fee in XXXX and a {$400.00} late fee in XXXX. I made XXXX payments in XXXX totalling {$500.00}. XXXX payments were made in XXXX totalling over {$800.00}. 
In XXXX there were XXXX payments made each an automatic withdrawal from my bank account in the amount of {$270.00} totaling {$530.00}. By XXXX XXXX XXXX I made a total of {$1800.00} in payments on a loan for {$1900.00}. On XXXX XXXX XXXX Check City reposed my vehicle at XXXX. Stating I owed {$1300.00} plus an additional {$320.00} for repossession fee. It is completely unjustified that Check City was allowed to charge me {$800.00} in fees {$400.00} of which was charged the same month I made a {$500.00} payment. If it were not for these fees my loan would have been paid in full with XXXX last payment of less then {$40.00}. My vehicle should have never been at risk for repossession if it were not for the unregulated tactics of this title loan company.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to appear on my credit report, in violation of federal law. I sent letters to the three credit bureaus but have not received any response. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they fail to validate these accounts, I will pursue legal action. Please comply with the law to resolve this matter promptly. 
XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX  Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Good morning I am filing a complaint against Experian because they refuse to dispute the following items that appear on my credit report because of identity theft. the reason they gave was because the furnisher of the information stated according to the information they had at the time they believed the information was accurate. Subsequently I filed an FTC identity theft report a local police report and contacted the creditors directly. the documents were sent to Experian by mail and receipt was confirmed. I am filing a complaint against experian for violating my rights as a consumer to challenge any information on my consumer report that is not accurate by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit I feel I was negatively impacted, hurting my chances at Credit at the receiving a response to my earlier dispute that the account were verified I would like information on how they verify this information or it needs to be deleted as soon as possible XXXX XXXX
Product: Debt collection

These debts have already been paid and are showing under collections : XX/XX/XXXX {$390.00} XX/XX/XXXX {$970.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CPBFs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit card

Amzn/synchrony bank made me apply for a credit card and forcing a debit offer on me when I did a consumer transactions for a credit card not a debit I called they proceed to pass me around for XXXX hours on a device an I'm XXXX and has a XXXX shortly there after from the stress I don't know if this the right place to talk to but the laws say they can not Provide you credit on terms different from those granted another person with similar income, credit history, and other characteristics. So do they switch every ones consumer transaction to whatever they want and still report on your report as a hard inquiry? My consumer transaction was for the XXXX XXXXXXXX of the Amazon store card not Amazon secure store card seeming to be a new trend cfpb needs to glue eyes to where do I go for help? Is this just going to be complaint?
Product: Checking or savings account

My chime account was closed with a ballance for some reason they wont allow me to know and now thier saying there will be no refund check sent out
Product: Credit reporting or other personal consumer reports

ADDRESS TO BE REMOVED : XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my TransUnion Credit report Approximately XX/XX/22. At that point, I began to dispute inaccurate and outdated information in my file. That request was mailed to them on XX/XX/22. I requested that the inaccurate addresses & phone numbers be removed, as well as ( 2 ) XXXX Accounts and the XXXX Accounts. I forwarded them copies of my XXXX file which had the same information and upon receipt of my dispute, the information was deleted from my file due to lack of validation. To date, I have not received any communication from TransUnion concerning this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I believe I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft. 
1. Identity Theft XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit card

I was traveling abroad. I contacted the credit card office to inform them thatI am unable to pay online because I did not have secure internet connection. 
And I requested to allow me more time to send the payment as soon aspossible. However they reported my account as late to the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.
Product: Credit card

I am using a XXXX reward credit card from Wells Fargo. And I have made a payment using XXXX XXXX  account. Due to the checking account issue ( XXXX XXXX XXXX ), the latest payment was reverted. I made the payment before the due date and was unaware of the checking account issues. 

However, Wells Fargo closed my account. The reason is suspicious payment activity. I tried to reach Wells Fargo but they can not solve it and want to transfer the call to the XXXX team.
Product: Student loan

I have two loans with Navient totaling roughly {$24000.00} I was laid off from my employer of 18 years and have been trying to reach Navient to ask for loan forgiveness. I have paid them for years up until Covid I never received any communication from them regarding assistance being offered. I tried calling the number on their website and it either wrong or has been disconnected. I do not want this impacting my credit as I am trying to rebuild after being laid off. I would appreciate any assistance
Product: Checking or savings account

I opened my Bank of America checking account on XX/XX/XXXX. The next day my account was frozen for no reason. I was able to fix it by verifying information on a phone call. I then deposited {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX I tried signing in and it told me Account locked. On XX/XX/XXXX I called them, they said they were unable to verify some information so they closed my account without notice. The information I provided them is all valid. They said it will take a long time to close the account, around the end of XXXX, and only then will they return the {$2000.00} I deposited. This is an unreasonable amount of time to close a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT from my credit report?
Product: Credit card or prepaid card

I spoke to them XX/XX/XXXX about not receiving statements. They never mentioned being past due. Until I talked to them XX/XX/XXXX again because again I had not received statements
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out disputes to XXXX and Experian about reporting inaccurate information on my credit report. They were reporting that I have a balance on my XXXX which is inaccurate. I have a {$0.00} balance paid in full with 100 % payment history. XXXX fixed it immediately but Experian was dishonest saying the company responded saying I have a balance but thats a lie. XXXX was sold to XXXX, so Experian wasnt be creditable. I have a letter from XXXX saying my account is paid in full with no balance. I was also sent a check from XXXX.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints against Equifax for their unlawful practices, violating my consumer rights. I have not authorized Equifax to report any information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. XXXX failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Equifaxs failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXXAccount # XXXX : $ XXXX : XX/XX/XXXX First Point Collections/Account # **/Balance : $ XXXX : XX/XX/XXXX XXXX XXXX Account # XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX Account # XXXX Balance : $ XXXX : XX/XX/XXXX XXXX Finance/Account # XXXX : $ XXXX : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX This failure to prove the alleged debt XXXX XXXX to me is a violation XXXX XXXX XXXX under federal law. I requested verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, and I have not received anything. It raised concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me and this is a violation of the XXXX requirement for a permissible purpose in reporting credit information. I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Equifax fair opportunities to rectify this issue, but my credit file is still being bullied around.
Product: Debt collection

I signed a one year lease with a " XXXX XXXX '' apartment complex named " XXXX XXXX XXXX  '' address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ID XXXX. 
I moved in XX/XX/2014. The place was a real dump. I moved out exactly one year later to the day and I had given them no notice that I planned on renewing the lease. The day that I moved out I had left a money order to cover the rent from XX/XX/XXXX-XX/XX/XXXX. When I moved out, the apartment was spotless and there was no money owed  on my part and they had a {$200.00} security deposit of my on file with their office I have an account with a credit report agency and I noticed that there was an amount in the amount of {$1200.00} + that was supposedly owed by me to XXXX  XXXX XXXX. 
They { XXXX XXXX XXXX. } made no attempt at all to try to contact me with any ... '' outstanding '' money supposedly owed by me to them. 
The worst part about it is the collections agency { Action Collection Service Inc. XXXX XXXX XXXX XXXX, XXXX, ID XXXX } who has several " complaints '' files against them, keeps tacking on more money almost every month. 
The bottom line is there is no money owed by me to XXXX XXXX, or XXXX XXXX XXXX. or any cheesy collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not fair. Everyone else gets their 1 shot to have student loan late marks removed but I am being reported late 90 days 28 times. I paid the money I owed and my negative marks are still there. I was just denied for a car loan which I need very badly. These late marks are destroying my life. It was only {$3000.00} and people with 10x that amount are able to rehabilitate it. I was told I have 1 time to rehabilitate my students loans but they insist on reporting every single one.
Product: Student loan

On XX/XX/24, I submitted my annual income recertification for my IDR plan. Shortly after, the status on studentaid.gov changed to Complete with a note that my servicer would select the best plan and finish the application. 

On XX/XX/24, MOHELA sent a letter stating they are experiencing delays in responding to correspondence, and to expect a response time of 90 business days ( 4 calendar months ). 

On XX/XX/24, I contacted MOHELA by phone to check on the status of my application, as it still had not been processed and my payment due date was approaching. MOHELA assured me they would expedite the review, and to expect it to be resolved within three weeks. My payment due date was pushed out to XX/XX/24. 

On XX/XX/24, I contacted MOHELA by phone again, as I had seen no progress on my application, and my new due date was approaching. This time, I told MOHELA I intended to stay on the phone as long as required for them to fix the issue. This resulted in being transferred to a supervisor. While on the phone, this individual pulled up my IDR application and processed it while I was on the phone with them. After a few minutes, they informed me of my new payment amount, which did not match what I had seen from the payment calculator tool on studentaid.gov. When I pointed this out, the individual admitted to not having entered the information exactly as submitted, but having made assumptions about my tax filing status and family size. I asked the individual to input the information exactly as I had submitted, which they did immediately. I was then told everything was complete, and to expect my account to update online within XXXX hours. This turned out to not be the case. 

I am writing this complaint on XX/XX/24. The application still has not been processed by MOHELA. My payment amount is still incorrect and not reflective of my IDR and updated income, and my payment due date is approaching in two weeks. I am concerned that because my repayment has been delayed so significantly by MOHELA, I am not able to make qualifying payments towards PSLF.

Thank you in advance for any help you can provide.
Product: Credit reporting

Someone fraudulently took out FEDERAL student loans in my name using my social security # and dob on XXXX/XXXX/2016 and I have disputed it with the credit bureaus and they WILL NOT take it off my credit report! I did not do this and it is n't fair that someone is getting away with a FEDERAL CRIME! I have also contacted the XXXX, the FTC, the loan company, ( Navient ), the police, and the State 's XXXX and no one will help me. Can you please?
Product: Debt collection

Ad astra is in violation of the FDCPA 15 USC 1692
Product: Money transfer, virtual currency, or money service

I have used the cash app by Square for 4 years to send and receive payments from my roommate. Out of the blue the past couple of months every single payment that I send to my roommate I am given the message that it could not be completed for my protection. My roommate can turn around and send me a payment and it will auto accept and deposit into my account.

Everytime I ask Square through their support I am told that it is for my protection and the money will be returned to my account after 3 days and to use another service to finish the transaction. They don't say why or how its for my protection it just is.
Product: Consumer Loan

My wife and I took out a consumer loan with Wells Fargo National Bank XX/XX/XXXX. The loan was repaid by XX/XX/XXXX. We missed paying it back in a year by 10 days. Wells Fargo Bank said we owed {$480.00} interest. I paid {$250.00} in XX/XX/XXXX and planned to pay the remaining balance in XX/XX/XXXX {$7.00} interest was added to the XX/XX/XXXX balance of {$230.00}. My question is why are we being charged interest on interest?
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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