23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchase a number of reloadit cards from a XXXX and XXXX stores .I added funds to the cards and opened a safe online as the reloadit company told me to do .I loaded the packs to the safe total XXXX $ well reloadit block the safe saying it was illegal use and ask me to send copy 's of receipts of the last three packs that were load to the safe, with proof of I.D I sent the last four receipts, and proof of I.D, The company said to me my case is under review and some one from a risk department will get in contact with me .well it has been almost two months and no department has attempt to call me concerning my funds in the safe. I call every week they want allow me to talk with this so call risk department. ..saying the risk department will contact me nor will they tell me the amount in my safe ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  XXXX XXXX earlier this week informing me I am late on paying a {$34.00} charge. I contacted XXXX to learn they never sent me a billing statement in the mail as has been done for 25 years. Also learned they closed my account over {$34.00}. While waiting for XXXX to correct their failure and send me the bill, I checked my credit with all credit reporting agencies. XXXX reported this as a late payment. I engaged in a dispute resolution with each. Experian just contacted me and said they reviewed and closed the dispute. Nothing changed on my credit record. No explanation is given either. I want the late reporting to be removed as XXXX admitted on the phone call they changed my billing to electronic billing. They did this without my knowledge and without my permission. XXXX should not be allowed to report late payment based on their error. Experian should not close a dispute with no action or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I apparently was in default back in XX/XX/XXXX and XX/XX/XXXX, and before I became aware of the default my student loans were once again transferred to another company and I didn't have any clue who my new creditor was. I barely found out about my new creditor was Navient and the default on XX/XX/XXXX. Also on a side note my loans were suppose to be in deferment since I was a full time XXXX. I then called Navient to discuss the 6, 120 day late payments on my credit report. They said I was obligated to pay even though my deferment should have rolled out until XX/XX/XXXX. I told them I did take the summer off of school but starting in the fall I would be back in school at least half time, so my loans would go back in deferment. One lady from Navient then told me that once the school sent there information to them I would be placed in deferment and the deferment would be back dated to the month I became in default and the late payments would be removed. One month later Navient received the information from the school and my loans were put into deferment. After checking my credit report I saw the late payment status/derogatory still as my status on my credit report. I spoke with another Navient representative about how can I remove the late payments so my credit score wouldn't be damaged since I was trying to buy a house. She informed me that since I was in deferment the late payments would no longer be in effect but they report at the end of each month to the credit bureaus so it just hadn't been updated. I called again a month later and spoke with another representative and asked her how much do I need to pay to get the late payments removed from my credit report, she told me I do not owe anything and the late payments had already been processed so she couldn't do anything about it. Which I waited two months from being told by a representative that they would come off to being told I couldn't pay the over due amount I owed to remove the late payments. I have never heard of a creditor refusing to take payment that was around {$850.00} to help pay off the overdue balance and fees that I owed. I do not feel that I was ever informed properly about my student loans and the policy of deferment for a student that has to have a half time or full time XXXX status to qualify for deferment.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cash app card stopped working and started declining due to unusual activity when I contact the cash app I was told that XX/XX/XXXX unemployment requested them to freeze my funds and wire it back to them my money disappeared on my account on XX/XX/XXXX and I had a message saying that it was wired back to XX/XX/XXXX unemployment every since then I have been contacting XX/XX/XXXXunemployment and cash at back and forth and XX/XX/XXXX unemployment has told me they didn't they have never received any funds back from cash app and that cash app is stealing my money and lying to me I'm honestly fed up with this and I really don't understand why I'm being lied to and why cash at feels the right to hold onto my money it has almost been four months now that I have been without thousands of my dollars I have bills and a child to take care of and it's really frustrating that I keep getting the runaround and being lied to I honestly just want my money back and I want cash app to tell me the truth on where my money is actually at
Product: Mortgage

I have been working with my loan servicer Mr. Cooper regarding my escrow account. After a tax disbursement I called and spoke with a representative in early XX/XX/2021 and requested and escrow analysis. I received estimated information such as the shortage amount and the new payment amount. I was advised to make the shortage payment before the analysis would be applied to avoid delays in adjusting the payment after the shortage was paid. I prepaid the shortage amount, however when I called back in and spoke with XXXX from Arizona, they refused to provide the estimated escrow analysis information. XXXX stated that they submitted a request for an analysis to be performed, but would not run the estimated analysis and provide me the information. I was seeking confirmation that the shortage amount I prepaid was correct, and to know the upcoming payment amount. I advised I was aware the information would be estimations only, yet was still denied access to this information. I used Mr. Cooper 's online chat to speak with XXXX from Texas. XXXX was able to perform the escrow analysis estimation, and confirmed that the shortage had been paid in full, yet refused to provide the new payment estimation. When I advised that I was aware the amount would be an estimate, the chat was disconnected. 

An estimated escrow analysis allows consumers to make informed decisions and to plan financially. Refusal to provide this information ( information that had been previously provided by another representative ) can be harmful to the consumer. I have now made an additional escrow payment with no confirmation that the amount was correct. 

Of the 3 representatives I communicated with, 2 refused to provide this information, and 1 told me the information was not available to them. This is not truthful and intentionally deceptive.
Product: Debt collection

I have no knowledge of this account and never agreed to be on this credit account. I have requested information that proves otherwise. I am requesting this debt be removed from my credit report as I never agreed to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is has refused victim rights under identity theft. Accuracy and fairness of credit reporting over the last few weeks have been speaking with agent from trans union regarding the unauthorized hard inquiries that was recently placed on my trans union profile. It is documented across all consumer reporting agencies that I was a victim of my data being exsposed in the the past. The inquires that was placed with my written or verbal approval is still. Being reported on my TransUnion profile. This is clear violations under the FCRA. And was recently denied line of credit because of the fraudulent hard inquiries TransUnion is reporting. These need to be removed immediately, I will be filing a federal complaint as well with my states attorneys office if this matter is token care of immediately
Product: Debt collection

Hunter Warfield, a Debt Collector called me in XX/XX/2020. The all begins with the Hunter Warfield representative asking how I would pay the debt of {$5100.00}. I first began to explain to the representative that I did not think it was the correct amount. I explained to him that due to the pandemic, and as a part-time XXXX  I have not been working. He proceeded to tell me that I had just moved and bought a house and had enough time to pay my debt. He also said that I owned a business and that I had money and should pay my bills. This escalated as I felt attacked by this representative with Hunter Warfield  who proceeded to tell me what my financial situation was during these difficult financial times. The call turned into a shouting match and so the Manager took over the call and proceeded to tell me that if I did not set up payments their clients were going to take me to court pursue legal action, and he kept repeating this message. After feeling intimidated and threatened, I finally set up payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light if 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 feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identify theft. Enclosed is a copy of my credit report with the fraudulent items circled. I did not open these accounts or receive these loans.

Loans or accounts I did not open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting an address Ive never lived at with incorrect information including phone # s etc. ( proof provided ) Enclosed are copies of documents [ List all the documents you have to support your case, such as police report, ID Theft Affidavit, et... ] concerning the unauthorized use of my identity. I am requesting that you remove this information from my credit report as soon as possible and send me an updated report.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan

I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.
Product: Credit card

I made XXXX purchases at the revolving APR on XXXX ( see below ) XX/XX/XXXX XXXX XXXX XXXX XXXX WA {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WA {$450.00} I made the second payment, on top of my MIN PAY of {$660.00} XX/XX/XXXX XXXX PAYMENT - THANK YOU - {$1700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Liability for Negligence Under 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute any alleged liability for negligence under 15 U.S.C. 1681o regarding XXXX XXXX XXXX I believe that any claim of negligence in these matters is unfounded and unsupported by the facts or applicable law. 

To clarify : 1. Violation of My Rights Any attempt to hold me liable without substantiating evidence may constitute negligent noncompliance under 15 U.S.C. 1681o, which requires that information affecting my legal standing be handled with due diligence and accuracy. 
2. Failure to Provide 100 % Accurate Information The information used to assert liability against me contains errors, inconsistencies, or lacks complete supporting documentation. Any determination of liability must be based on verifiable and fully accurate records, which have not been provided. 
3. Request for Documentation If there is any evidence suggesting liability, I formally request that you provide all supporting documentation, including any reports, records, or statements used to reach this conclusion. 

Pursuant to my rights under federal law, I request that you immediately : Immediately cease any further action that assumes liability on my part. 
Correct any records reflecting an erroneous determination of negligence. 
Provide written confirmation that my dispute has been reviewed and resolved appropriately Failure to comply with these requests may result in further legal action to enforce my rights under the Fair Credit Reporting Act. Please respond to this dispute in writing within 30 Days from the date of this letter. 

I appreciate your prompt attention to this matter. Please direct all correspondence to my contact information above. 

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

I am a victim from a data breach with XXXX. I disputed the items and they were removed from my account. I also disputed the same accounts on Transunion which refused several times to remove any. Transunion is still reporting these accounts. Please follow up and make Transunion remove all this information. 


Account Name Account Number Balance Monthly Payment XXXX XXXX XXXXXXXX {$480.00} - - -No Data XXXX XXXX XXXXXXXX {$2600.00} - - -No Data XXXX XXXX  XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$420.00} - - - DEPT OF EDXXXX XXXX {$1700.00} {$18.00} DEPT OF XXXX XXXX {$3000.00} {$31.00} XXXX XXXX XXXX {$0.00} XXXX XXXX -No Data XXXX XXXXXXXX {$0.00} {$0.00} Also XXXX remove : Current Address XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/ Phone Number ( XXXX ) XXXX
Product: Debt collection

do not recognize this collection company, and not aware of any public service bill owed. I have called the company but no one answered.
Product: Debt collection

I received 2 phone calls on XX/XX/2018 from " XXXX XXXX XXXX '' about " pending legal action '' for US Bank. I do not have a US Bank account nor have I had on for more than a decade. I do not owe any money to US Bank.
Product: Debt collection

The company has listed several different collection accounts on my report. I offered to pay different ones and requested after payment they removed it from my report. They said they would only treat it as one balance and will not remove anything until I have paid the balance on every account. I explained to them they have it listed as separate accounts so I would rather treat it as a separate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated below. Thirty days should be enough for you conclude this procedure. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on DATE. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Student loan

Original loan was bought out by Navient. Began to notice that the loan payment was increased. Called company and was told that the interest rate increased. Was informed of what total amount to pay. I use automatic banking so I set that amount and payments continued with the updated amount due. Received letter stating my loan was late and fees were included. Called and company informed me that the date due was wrongly confirmed during my last phone cal pertaining to amount change. I then had to go in and while on the phone with customer service changed my online banking again -- confirmed the amount due monthly ( {$120.00} ) and the monthly date each payment should be sent ( XXXX ). A few months later, I began to receive notices that payments were late. NO changes have been made as I do not agree and am not comfortable with the unilateral changes to my account, and the constant harassment ( phone calls and letters ). Please help stop this company from lying and cheating!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple payments on an account that I was never late for. 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 the account : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Debt collection

I am unaware of this alleged debt. I did not have the opportunity to dispute this alleged debt. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail receipt with my signature stating that I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is incorrectly submitting derogatory XXXX  loan information on my credit reports. My XXXX XXXX XXXX were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX status. I was informed that I no longer owed on the XXXX  loan debts ( by letter from both entities ), yet XXXX XXXX continues to report derogatory XXXX loan balances, and that the account is currently open, on my credit reports. This information that XXXX XXXXXXXX is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.
Product: Credit reporting

This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.