23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On numerous occasions I have contacted Equifax to have " XXXX XXXX XXXX '' ( last XXXX of account number XXXX ) verify the legitimacy of a debt being reported to my consumer report by this company to which they sent me a letter stating they did not believe that I sent the letter even though I included a copy of both my social security card and current Texas state identification. I also stated that the following inquiries were to be removed as I did not authorize them to be made. To which they were not. 

Unauthorized Inquiries : XXXX XXXX  on XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/23 Please review attached. 
Capital One " cooked the books '' on my XXXX credit card account ledgers # XXXX and # XXXX aka FRAUD. Wire fraud and false line entries. 
Capital One also overcharged me interest and charging me interest on their FRAUD is illegal. Wire fraud and false line entries See attached laws. 
ARS 44-1522 AZ Consumer Fraud law attached as well. 
Capital One owes me interest credit on # XXXX {$19.00} plus more until they credit my # XXXX credit card. 
Capital One owes me interest credit on # XXXX {$86.00} plus more until they credit my # XXXX credit card.
Product: Credit card or prepaid card

Hello, on XX/XX/2022, I was purchasing a Watch via a highly reputable luxury used watch company who also offered their services on their XXXX store. This is not the point. I ended up purchasing the watch and everything is fine on that end. However, even though I just paid the full amount for the watch, i initially tried to do it through paypal credit, which would have allowed me to pay over time interest free, one of the options to purchase the watch. So I signed up for paypal credit and was approved for a XXXX limit and then tried to proceed multiple times to then purchase the watch via paypal credit and each time an error showed up. So I eventually gave up and just paid the full amount of the watch myself. My gripe is that paypal credit essentially had me sign up, Ran a hard inquiry on my credit report, and then declined to fulfill their obligation, essentially creating a worthless hard inquiry on my credit report without even being able to use their service ( despite them approving me for XXXX credit line ) ( watch amount XXXX. ). I then called paypal credit customer service to get this hard inquiry removed and they essentially told me they couldn't and to call paypal. Therefore, I called paypal who made up various nonsensical excuses like oh " new credit may have placed a fraud on it '' to which I responded then why offer the service, and they essentially directed me back to paypal credit. Neither agreed to remove the ridiculous hard inquiry on my credit report. This was ridiculous to sign up for a credit line to pay for something, get approved, and then have the service not work, leaving me with a hard inquiry and nothing to show for it, and then neither company paypal or paypal credit saying they can correct the error. I have attached a screen shot of my paypal credit account.
Product: Credit reporting or other personal consumer reports

I'm disputing incorrect information on my TransUnion credit report, specifically regarding an incorrect address and employer details. The wrong address listed is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The correct address should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Also, my employer is not listed, but the correct employer should be XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the highest possible accuracy in consumer reports. As this error violates that obligation, I request the incorrect details be removed and updated with my correct information. Once this correction is made, I would appreciate written confirmation and an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have recently XXXX  from XXXX outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in XXXX  in XXXX and I can prove that I have been an active XXXX  in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!
Product: Credit card or prepaid card

This complaint is against XXXX XXXX. I have multiple accounts with them and they have lowered all of my credit limits. 
I havent had any 30 Day lates with them and they have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXXXX XXXX  Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer 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 mt account vulnerable and unprotected. Furthermore, their dispute resolution process 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: Debt collection

Hello my name is XXXX XXXX and I am writing about an unresolved issue that I have with America cash loans. They are currently contacting me via XXXX XXXX firm, and It was brought to my attention that im being sued for missed payments with interest included, totaling {$3600.00}. I have tried on numerous occasions to get a settlement before court and I am getting nothing but the run around. They are not being very helpful or understanding of my situation. I received the loan amount of {$750.00} on XX/XX/year>, and my first automatic withdrawal for the amount of {$110.00} was successful. On XX/XX/year>, I was let go from my job, and my check was held for administrative purposes. With the interest rate at 397.6430 %, and was struggling to make timely payments. I reached out to americash loan to explain my situation and to see if we could work something out for the remaining balance. By XXXX of 2022, I was 2 months behind on rent, and car payments and was struggling to stay on top of my utility payments. At this time I was facing extreme financial hardship and thought I was doing the right thing by explaining my situation. Also during this time I was taking care of my grandparents who both suffered from XXXX XXXX Currently my grandmother needs full supportive and personal cares now with her battle with XXXX XXXX and my grandfather has XXXX three or 4 times a week and has trouble doing things around the house. As the burden has swiftly switched to my responsibility, even with a new job, Im often using our last to take care of the household. I called American cash loans this week after being served court papers, explaining my situation and they told my they cant do anything for me but provide my pay off amount. When I ask to settle I was referred to this number ( XXXX ) XXXX. I then gave them a call, and the representative stated that he cant help at this point because the account has been referred to XXXX. He then provided me with two numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. Ive since left voicemails, and sent a email to XXXX. I received a response from XXXX asking for all my financial info so they can garnish my checks. I feel like this is very unreasonable, and complete usury considering that the interest rate is predatory and I have tried to get ahead of this by explaining my situation multiple times to americash loans. Even with explaining my situation to XXXX, they totally disregarded what I said I can afford and could settle for during this time of extreme hardship for my family. 

Out of the {$750.00} loan I owe {$630.00} I offered to settle the debt with {$650.00} cash. My purpose for writing is in hopes that I can settle this debt and move forward and continue providing for my grandparents, and preparing for what may come from their illnesses. I have no support system and im learning new things everyday. I truthfully regret taking a loan with this interest rate, but look to this experience as a learning experience. I have dreams and aspirations as most Americans do, to be debt free, and to one day own a home. Please help me with my issue with this loan company.
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 accounts 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 ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Mortgage

Our mortgage is serviced by Roundpoint Mortgage Servicing Corporation. Our residential earthquake insurance was set to renew XX/XX/2019. This bill is paid out of our escrow account. On XX/XX/XXXX, we received a notice of cancellation due to non-payment of premium from our insurer, XXXX XXXX XXXX ; our policy was set to cancel by XX/XX/XXXX if not paid. I called Roundpoint the same day and was told that they had mailed a check on XX/XX/XXXX and provided a check number, but they were unable to tell me whether that check had been paid by their bank. I called XXXX XXXX XXXX, and I was told that they had not yet received payment on our account. I called XXXX again, and they said they would attempt to trace the payment, and they would have more information within 3-5 business days. I said I would call back the following Thursday. 

On Thursday, I called Roundpoint again and was told that the check for my premium payment was sent not to XXXX, but XXXX, which I believe is the underwriter. The check covered not just our premium, but premiums for some 59 loans, and the check exceeded {$70000.00}. They still were not able to tell me whether the check had been paid. I called both XXXX and XXXX, and neither had received a check with that check number or for that amount, or anything approximating it. 

On XX/XX/XXXX, I called XXXX and learned that the payment still had not been credited to our account. I paid the entire premium myself with a credit card. On our most recent mortgage statement, XXXX deducted {$420.00} from our escrow balance for our insurance payment, but has not accounted for that amount, and has not been able to even determine that the check they issued was deposited by the insurance company or that they provided remittance advice including our insurance account number ( which would make the matter the insurance company 's responsibility ). I am now out {$420.00} paid out of my own pocket, plus the {$420.00} deducted from our escrow account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i mailed a dispute to Experian to have them remove inaccurate names and unauthorized inquires from my consumer report, on XX/XX/2024 I got an update stating that the investigation was complete and when i looked only XXXX misspellings of my name were updated and no inquiries were addressed. I sent in another dispute on XX/XX/2024 for the remaining misspellings and the inquires, on XX/XX/2024 I received a notice saying that investigation was complete and when i checked XXXX more misspellings of my name were updated but still no inquires were removed, on XX/XX/2024 I called Experian to have the names updated and the inquires removed, the first representative removed XXXX more misspellings of my name and told me she would have to transfer me to another representative to take care of the inquires, when I spoke to him and told him i disputed twice his response to me was " Experian doesn't have a process to remove inquires and that they legally have to report it ''. As of right now my name is still misspelled and the unauthorized inquires are still on my consumer report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX TD Auto Finance does not disclose the principal balance on my loan on the statement mailed to me nor on their website. To get the principal balance I must call them. I have never come across a lender that does not disclose the principal balance owed. I believe this is deceptive and must violate some consumer protection law. 


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

THIS COMPLAINT IS " MAKING A RECORD '' FOR THE CALIFORNIA COURTS WHERE I WILL BE SHORTLY SEEKING RELIEF. 
EQUIFAX DISPLAYS A SEVERELY DEFAULTED SCHOOL LOAN THAT WAS NEVER MINE IN SPITE OF 20 DISPUTES.LOOK AT THE LIST OF CFPB COMPLAINTS ATTACHED.EACH TIME I NAMED THE DEPT OF EDUCATION THE CFPB SAID TO CONTACT THEM.THEY ARE INCOMPETENT.THEY AUTO VERIFY A LOAN THAT'S NOT MINE AND THEY IGNORE THE FTC ID THEFT PKG SENT TO THEM. 
EQUIFAX THINKS THIS IS FUN AND GAMES UNTIL THEY ARE SERVED FOR NEGLIGENT CREDIT REPORTING.THIS COMPLAINT IS MEANT FOR OUR JUDGE TO READ. 
EQUIFAX NEEDS TO OBEY THE FCRA AND SUPPRESS DEPT OF ED ACCT XXXX.I WILL BE SEEKING THE DOWN PAYMENT OF THE NEW HOME I INTEND TO BUY AS AN APPROPRIATE AMOUNT OF DAMAGES FROM EQUIFAX. 
DEPT OF ED IS IMMUNE ... THAT'S WHY THEY DO NOT HANDLE THE 500000 REQUESTS PER MONTH FOR CREDIT CORRECTION THAT THEY RECEIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was shopping for refinance loan on my home, XXXX XXXX  informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

Statebridge company calls repeatedly and has reported my debt unpaid for 60 days. 
I paid online in XX/XX/2020, but requested information to pay without incurring a {$5.00} processing fee. 
I was directed to use bill pay. 
I paid {$190.00} on XX/XX/XXXX I paid {$95.00} on XX/XX/XXXX These were processed by bill pay through XXXX XXXX. I have the records on my bank statement. 
Statebridge does not have any way to contact them. They keep customers on indefinite hold and have a fake answering machine service and is impossible to access.
Product: Mortgage

I owned a house at XXXX XXXX XXXX, XXXX XXXX XXXX, WV. through Bank of America. ( Account # XXXX ). My ex-wife and I divorced in XX/XX/XXXX and house awarded to me with the stipulation that it be sold. Ex-wife had not made payments during marriage and I got a HUD loan to catch up on payments. Was unable to sell house and county court reversed decision and awarded house to ex-wife, XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, flood took the house. Had flood insurance and Flood Insurance Settlement BANA paid mortgage off in XX/XX/XXXX. HUD loan was attached to mortgage in refinance. Since that time, I have been paying the US Dept of Treasury for what I thought was a school loan, but after contacting them found out that it was for a HUD loan on the house. I told them that the mortgage was paid off from flood insurance, but they did not get paid off. This should have been paid off by flood insurance. The Flood Insurance Settlement ( BANA ) claim number that should have paid off this debt is XXXX. Please help me settle this. I have to pay {$180.00} dollars monthly to HUD and my wife and I live on a fixed income.
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. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

IN XXXX IN THE MIDDLE OF THE PANDEMIC I STILL TAKEN A LOAN WITH THE COMPANY OPORTUN INC. WITH THE SUPPOSED PROMOTION OF HELPING YOU CREATE CREDIT FOR PEOPLE WHO HAVE NO CREDIT OR WANT TO BUILD THEIR CREDIT AS WAS MY CASE AT THAT TIME AND WE EVEN REFER SEVERAL PEOPLE INCLUDING MY WIFE AND THEY DO NOT REALLY CREATE CREDIT ON THE CONTRARY WHEN THEY DO THE INVESTIGATION OF YOUR CREDIT THEY MAKE YOU A HARD PULL AND THAT INSTEAD OF HELPING AFFECTS YOU AND ADDITIONALLY THEY CHARGE YOU FOR DOING THE INVESTIGATION, WHICH CONSTITUTES A TOTAL CONSUMER ABUSE, IT SHOULD ALSO BE HIGHLIGHTED THAT YOU SEE SAID CHARGE WHEN YOU GET THE CHECK ( YOU CAN NOT DO ANYTHING ANYMORE ) BUT EVEN WORSE IN THE MIDDLE OF THE PANDEMIC AND WITHOUT WORKING BUT TO SHOW MY GOOD FAITH AND RESPONSIBILITY I MADE AN EXTRAORDINARY EFFORT TO PAY OFF SAID LOAN SINCE THIS COMPANY DID NOT OFFER ME ANY PAYMENT PLAN BEFORE A PANDEMIC THAT MADE US LOSE SO MANY LIVES, THIS COMPANY DID NOT BELIEVE INCREDIBLE CREDIT IN MY HISTORY ON THE CONTRARY, IT HAS DESTROYED IT AND CONDEMNED ME AND MY CHILDREN TO NOT BE ABLE TO BE ABLE TO HAVE A DECENT LIFE IN THIS COUNTRY, WITH BAD CREDIT AND EVEN THOUGH THE WORLD WAS GOING THROUGH A CRISIS AND I MADE SO MANY CALLS AND OPEN CASES WITH THEM SO THAT THEY WOULD ESCALATE MY CASE AND SO THAT THEY DELETE THAT ACCOUNT FROM MY HISTORY, THIS COMPANY OPPORTUNITY INC. . IT IS REFUSED, LIKE THE DIFFERENT CREDIT AGENCIES.

ONE OF THE CASES THAT WE OPENED BEFORE OPORTUN INC, IS UNDER THE NUMBER # XXXX, BUT LIKE MY CALLS, THEY REFUSED TO HELP. 
ON THIS OCCASION WE APPEAL TO THE SOLIDARITY PART THAT ANY COMPANY SHOULD HAVE AND MORE IN THIS CASE WHICH WAS WITHIN A WORLD PANDEMIC, IN WHICH THOUSANDS OF PEOPLE WERE BEHIND IN THEIR PAYMENTS AND IN WHICH ALL THE INSTITUTIONS HELPED THEIR CLIENTS, REGRETABLE IT WAS NOT MY CASE, THIS COMPANY DENIES ME HAVING A FAIR CREDIT THE LOAN WAS FOR 12 MONTHS FROM XX/XX/XXXX TO XX/XX/XXXX, BUT I PAYED IT OFF ON XX/XX/XXXX THROUGH RECEIPT # XXXX ISSUED BY OPORTUN INC AND IN WHICH THEY REITERATE SAYING : ( THANK YOU FOR CHOOSING US FOR HELP BUILD YOUR CREDIT HISTORY ) TOTALLY FALSE.

WE LATER REQUESTED A BALANCE LETTER AND IT WAS ISSUED ON XX/XX/XXXX.