23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account with incorrect DATE OPENED. XXXX XXXX has date opened XX/XX/2020 and Equifax and XXXX have date opened XX/XX/2020. XXXX XXXX is reporting a collection account with DIFFERENT ACCOUNT NUMBERS for the SAME ACCOUNT. Equifax has a different account number listed on my credit report than XXXX and XXXX. 
Date Opened : XX/XX/2020, {$680.00} - EQUIFAX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - TransUnion ( XXXX XXXX ) A collection account should not report as a OPEN ACCOUNT and a collection account should not have a BALANCE of {$680.00}. 
Dates of last active do not match either. There are 6 inaccuracies that are being report to XXXX, Equifax and XXXX. This is a violation of the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following account from my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There were fraudulent Negative Account and Inquiry added on my Credit Report.
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 Dept of Education XXXX Dept of Education 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 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 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 card

I already submitted a complaint in regard to making a payment, I still can not log in to the portal to this day. I keep getting the message that that page does not exist?!?! Im sure theres been a late fee added and as previously mentioned Id like it removed because its complete XXXX that Ive been charged about over {$100.00} in fees because Ive been having the same exact issue since last year with this company. And they do not do anything to help their consumers, theyre such a disgusting and fraud/scam of a company.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me XXXX  XXXX. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Product: Credit card or prepaid card

I paid our account literally ONE HOUR late. 

They charged us {$25.00} and I called twice to have them rebate it and they would n't do it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the amount of debt reported on my credit profile regarding a loan from United Auto Credit Corp. According to my records, the correct balance owed on this loan is approximately {$1100.00}. However, the amount reported is {$8800.00}, which is incorrect. 

This debt has been charged off to collections, and I believe there has been a mistake in the reporting process. I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit profile is either updated with the correct amount owed or that the United Auto Credit Corp entry is removed entirely. 

I have documentation supporting my claim, including statements and correspondence with United Auto Credit Corp, that I can provide upon request. I trust that you will address this matter promptly to ensure the accuracy of my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

My XXXX-year-old mother incurred a {$29.00} charge on her Sears/Citicorp credit card with payment due on XXXX, 2016. She wrote a check ( # XXXX ) on her XXXX XXXX XXXX account for that amount on XXXX XXXX, and mailed it on XXXX XXXX. Sears/Citicorp acknowledged receipt of the check on XXXX XXXX, a full 10 days after it was mailed. The check cleared on XXXX XXXX. 
As a result of being one day late ( either because of mishandling on the part of USPS or Sear/Citicorp ) my mother incurred a late fee of {$31.00}. Thinking this was a billing error*, she did not contest the fee. As a result the monthly fees mounted, reaching in excess of {$90.00}. 
I have power of attorney for my mother, and she requested that I help her in disputing these fees after she herself attempted unsuccessfully to do so. I sent a copy of the POA via fax to Sears/Citicorp on XXXX XXXX using a number XXXX of their customer service representatives gave me. When I called a week later, their customer service representative indicated that the company did not receive the fax because I used the wrong fax number. She provided me an alternative fax number. On XXXX XXXX I sent the same material to the XXXX numbers I had been given. The company acknowledged receipt in letters to my mother dated XXXX XXXX and XXXX XXXX. 
I subsequently called Sears/Citicorp and requested to have all the late fees waived. They were unwilling to do so, even after learning of the circumstances ( XXXX-year-old cardholder who mailed her payment nine days prior to the due date ). They were willing to waive only one month of fees, leaving me to pay {$62.00} to reduce my mother 's balance to XXXX. 
I understand that, technically, Sears/Citicorp has the right to impose these fees under their agreement with cardholders. However, I find their actions unconscionable. They have potentially damaged the credit score of an XXXX individual who faithfully pays her bills, and have caused her XXXX about the consequences. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX my mother mailed XXXX additional checks to other vendors ( XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX ), each of which cleared her XXXX account no later than XXXX XXXX. On XXXX XXXX and XXXX my mother mailed XXXX checks ( to XXXX XXXX XXXX, Town of XXXX, and XXXX XXXX XXXX ), each of which cleared on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1300.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a 1099-C, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/XXXX even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am XXXX days late EVERY month. This needs to be fixed. I have attached the proof.
Product: Debt collection

I received a phone call from a lady named XXXX who said she represented a company calling themselves XXXX, XXXX XXXX XXXX. They said that Wells Fargo had a closed account from XXXX that had an outstanding balance that they attempted to collect, but then deemed un-collectable in XXXX and that then this law firm was attempting to collect that debt and if I did not pay them by end-of-business today that they would report me to XXXX XXXX and that would trigger my current debit card accounts to close and that I would be ineligible to open any future account with any banking institution for 5 years. 
Then the representative confirmed the last four of my social and wanted my updated address. I did some research online and this company has several complaints on both independent monitoring websites and the XXXX with claims very similar to mine. 
It is important to note that I currently bank with Wells Fargo and would be very surprised if they would let me open an account while I have a previously closed account that had an outstanding balance. This is very suspicious.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 Inquiry : XXXX. XXXX, XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

XXXX XXXX was supposed to help me with fraudulent charges and identity theft. They said they will take care of reporting and placing the right protections in place and help through every step, but failed to follow up and even place my accounts of hold or notify my creditors of my compromised accounts. Since XXXX when I first found my accounts were compromised, I have had problems and creditors aren't believing a word I tell them. Now that XXXX XXXX XXXX has come forth with my information being on and found in the dark web since XXXX or earlier, I hope this will help my credit history get back on track and wipe those debt away. You will see that all my card balances increased and I didn't notice due to autopay. Even my XXXX was taken from me.
Product: Mortgage

Search the Web Pull Down to Refresh Drafts MORTGAGE COMPLAINT XXXX to None XXXX Details I truly wish I knew what happened!! I 'm enclosing a statement of activity sent to me by XXXX and the list of my monthly payments dating back to XXXX 2014. 

I ca n't make heads or tails out of what they have concocked!! I REALLY CA N'T. SERIOUSLY!!!!! 

Resolve by Explaining these unfamiliar entries. Why are there LAWYER FEES? Why are there UNAPPLIED MORTGAGE PAYMENTS? Why are there other incidental FEES when this mortgage was paid EACH AND EVERY MONTH ON TIME AND HAS AGREED?
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX OF RESURGENT CAPITAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Acct # XXXX Dear XXXX XXXX, I recently pulled a copy of my credit report and noticed that there was a collection from your agency on it. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this alleged debt, and there is some contractual obligation which is binding on me to pay this alleged debt to you.

Please be aware that reporting inaccurate or unverified information to credit bureaus may constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until you provide me with proper validation of this debt, you are not allowed to pursue any collection activities, including reporting this information on my credit report. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state or federal agencies.

To validate this debt, please provide the following documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 and The Agreement that bears the original wet ink signature of the alleged debtor wherein he agreed to pay the original creditor.

Assignment Contract from the original creditor to your company. ( Agreement with the original creditor that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., XXXX XXXX, XXXX ). 
Intimate knowledge of the creation of the debt by you, the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning System ( EWS ) is reporting fraud to financial institutions, which is preventing me from opening an account. I have disputed the improper verbiage with EWS, but have been unsuccessful. To my knowledge, I have not committed any fraud. Nor have I been provided any documentation from EWS or any other financial institutions stating otherwise.I have requested that EWS remove the fraud from my consumer file if they can not provide me with proof within 30 days. They have failed to do both.
Product: Payday loan, title loan, or personal loan

I took out this loan in 2017 and been paying early every month and I still nearly owe what I borrowed! 
Look at amount borrowed and what has been paid. 
I didnt even take out the whole amount I was approved for, do you show that? Or are you charging me as if I had? Because for what I borrowed this would have been pain 3xs over!
Product: Payday loan

Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.
Product: Checking or savings account

on XX/XX/2018 my XXXX ( XXXX XXXX ), card was decline on a transaction due to low funds on the account, when I arrived to my house I checked online and notice multiple transactions that I did not authorized and called Global Cash Card and explained to them, of the transactions that made on my account with out my authority. at the time of speaking with a Global Cash Card rep, the person who I was speaking with looked at the information in their system and agreed of the multiple transactions. further more they explain if I do not receive a letter I should get a credit back to my account or if I receive documents to fill out to do so and send back .... I received a dispute form on XX/XX/2018 and send back to Global Cash Card Dispute Dep. via email by XX/XX/2018. on XX/XX/2018 I received a letter from Global Cash Card dispute Dep. determining no error and because of that they will not credit my account back on the unauthorized transaction that I explain to them I did not make, soon after receiving the decline credit letter I called and then I was asked to get a police report to re open the case since they decided to close the case. got the police report and send via email and to this point I have try to contact Global Cash Card by phone and via email and still they're saying the investigation was finalized and determined there was no error and no credit will be issued. I have explain to them, that I did not gave anyone authority in any way shape or form to use my card and have not misplace my card..also I have received any information/documents they say they used to make there decision ... I mention to Global Cash Card, that I do not have none of the Disputed accounts. also attached are PDF and Note files and have proof of emails we send to them per their request
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 my 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 compensation for these violations
Product: Money transfer, virtual currency, or money service

I've been a customer of PayPal since XXXX. 

On XX/XX/XXXX at XXXX I receive an email from PayPal that I can no longer do business with them and my account is permanently " limited '' ( in other words, banned ) because they detected my account was created using either fraudulent or stolen information. 

I've been a customer for 10 years and all information is completely valid. I immediately called PayPal customer service and spoke to an associate named XXXX. XXXX refused to tell me why my account is being shut down and I offered to resolve any questions they may have to which he responded that they will not go into specifics with me. 

I asked to speak to a XXXX and spoke to XXXX. XXXX also did not try to help me resolve the issue and would not provide me with any information. 

This is completely unfair to me as a consumer as PayPal is not acting in good faith by not letting me appeal their decision and share documents that will confirm the validity of my account. 

The account was opened legally by me and I can prove it upon request.
Product: Debt collection

XXXX XXXX XXXX XXXX Repeatedly contacted me via phone and email during the month of XX/XX/XXXX about a balance that I was not familiar with. I requested supporting documents in writing in late XXXX. The representative I spoke with said that she would send that supporting documentation to my email by the end of the day, but ended the call by telling me that if I wanted to be difficult, she would make it t difficult. From that date until today ( XX/XX/XXXX ) my email address has been bombarded with spam email from various sources, including XXXX XXXX XXXX XXXX XXXX XXXX, and others. 
I attempted to contact the company via phone about the issue, but they were unwilling to provide any information without disclosure of my social security number, birthdate, and consent to arbitration. I declined to provide that information,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW
Product: Debt collection

Hello and thank you! I borrowed XXXX XXXX XXXX plus the XXXX brought the loan to XXXX. I paid XXXX of the loan but, was never given credit. I found my receipt for all of the payments. This has caused in adverse affect when I applied for housing because, it has been reported to all credit bureaus. Also, they sent the wrong amount to a collection agency called Spring Oaks Capital for the amount of XXXX I have made ( 2 ) payments so far. I'm currently disputing this with Spring Oaks Capital. Thank you for that you do to help people who can't help themselves. XXXX bless us all