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

XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME. I WOULD LIKE FOR THIS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I was trying to purchase a golf cart online on XXXX XXXX. It was supposed to be a cash deal, but when I brought cash out, the gentleman said he refused to deal with cash and that we needed to do the process through XXXX XXXX and cryptocurrency. Hesitantly, I moved forward and the next morning I woke up and my bank account was empty and the person had withdrawn money out of my checking account and made mini withdrawals Onto the cash app in which they took that money and put into their own accounts. They also tried to make XXXX different {$5000.00} wire transfers out of my checking account. They took all the money I have. Now I am receiving cancellation letters from every single credit card, and can not get a credit card, they are all denying me, even though I am well qualified for these cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX and XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2019 Made with : Equifax
Product: Debt collection

Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report.
Product: Debt collection

I am the co-signor on this auto loan that was purchased in XXXX. In XXXX, a payment was made on XX/XX/XXXX for {$850.00}, on XX/XX/XXXX for {$650.00} and I promise to pay on XX/XX/XXXX which will be XX/XX/XXXX payment. I have received phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX, Called my co-worker XX/XX/XXXX and XX/XX/XXXX ; called my neighbor XX/XX/XXXX ( 3 times ), I have asked the collection agency in XX/XX/XXXX to stop harassing me with the phone calls. I have asked the collection agency in XX/XX/XXXX to stop harassing me and my neighbor and my co-worker with the phone calls, and they stated that they would put in their notes to stop calling me and my neighbor and my co-worker, but they have Not Stopped the calls as of today XX/XX/XXXX. I am at work, and they continue to harass me about a payment while I am trying to do my job at work. I continue to tell them that this needs to Stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting company aware of the violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) have 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 an account without my written instructions. 

Thanks in advance for your assistance in this manner.
Product: Checking or savings account

On Saturday XXXX of XXXX Revolut have send me a notification to say more account is frozen and I need to provide proof of income I have provided payslips and bank statements. I then told them Im preforming at XXXX in XXXX this year that I need my money to have a good time. Also I need my money as Im travelling home the next day. They told me this problem will be resolved and Ill be able to access my account by the end of the day. There was a bit of back and forward until late that night. 

Sunday the XXXX of XXXX I have asked multiple times for an update as I need to get home Im stuck in XXXX and Im from XXXX they did not care kept saying sorry this could take up to 21 days. I told them I have not eat and I need to go home. I explained this for the whole day. I had to beg for 7 to get a bus this was very degrading and it really looks bad on my character as I do social media. They did not listen i talked to bots all day and was filled with trash. 

Over the last day or so I have told them I need this money to go to work get food and pay bills but yet they still wont help Im willing to work with them for whatever my account was flagged for but even at that they wont tell me why my account was frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
Product: Debt collection

Validation of debt request dated XX/XX/XXXX and again XX/XX/XXXX Debt has never been validated now they are reporting late payments on my credit.
Product: Checking or savings account

I recently opened a checking account with citi bank due to the fact i have a cc with them. I was playing around with the app getting to know it. The next day i cant use the debit card, so i go to the branch in XXXX XXXX fl the cashier gives me XXXX dollars. I left XXXX because i thought they were going to return it its been over a month and i still haven't gotten my XXXX dollars, so what i will do is take that off my cc bill if they are not returning my money back. The manager was clueless and on the phone i got someone in the XXXX with roosters in the background taking about im in the fraud dept .l actually have a degree in mathematics i have done risk management for fiserv for years i did nothing wrong. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hours : Closed Opens XXXX Phone : ( XXXX ) XXXX best regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I receive benefits from Pennsylvania department of labor. 
Since the beginning I can not register and login on their web page I try for 5 weeks. 
They have 2 tolls-free number and neither one is working. 

I could not have a statement, balance, nothing! I just know by test message that I receive some money on the card. that's The service bank is US BANK Are they bankrupt? What is there problem??
Product: Student loan

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2017.
Product: Credit card

on XX/XX/year> I received a credit card in the mail from TD Bank/Target. I did not apply for this card and when I contacted customer service, they stated that whomever opened the account had my personal information. They opened the case with the fraud department and they informed me to contact FTC and the credit bureaus.
Product: Checking or savings account

my main branch is in XXXX XXXX XXXX XXXX XXXX XXXX ( US bank ) my checking account was lock in XXXX XXXX i have been call and speaking with the branch manager and bank agent every month since it been lock. i been waiting for them to unlock my account and gave me access to my funds. i been waiting for XXXX. at first they said they are investigating my account and told me to wait. they keep on saying nothing they can do but wait for other departments to respond.
Product: Debt collection

I am writing to express my strong objection to these continued and unlawful debt collection practices and violation of my rights. Despite never having a contractual agreement with this company, they have been attempting to collect a debt from me. I am submitting this complaint against them for the following violations : 1. Lack of Contractual Authority ( FDCPA 807 ) : Gurstel Law Firm P.C. was never contracted by me to collect any debt. 2. Failure to Validate Debt ( FDCPA 80XXXX ) : XXXX XXXX  AND Gurstel Law Firm P.C has failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. 3. Harassment and Invasion of Privacy ( FDCPA 806 ) : Your collection efforts are harassing and constitute an invasion of my privacy. 4. Unfair and Deceptive Practices ( FDCPA 804 ) : XXXX XXXX  AND Gurstel Law Firm P.C have engaged in unfair and deceptive practices, including misrepresenting the debt and their authority to collect. 5. Negligent Reporting ( FCRA 623 ) : Capitol Once has negligently reported false information to credit bureaus, damaging my credit score. Additional Allegations : 1. Organized Crime : All " lending '' agencies, debt collectors, and credit reporting agencies have engaged in organized crime, including : Extortion, Fraud, Conspiracy, Racketeering ( RICO ).
Product: Vehicle loan or lease

I'm writing about my account with XXXX XXXX XXXX XXXX. Last year, XX/XX/2017, I fell off the back of a tractor trailer and XXXX my XXXX in XXXX, XXXX my XXXX, my XXXX XXXX ( in 2 places, and my XXXX ( in 2 places ). 

I struggled to keep up with my bills as I rehabed. XXXX did not offer any accident insurance but never reported me late in payments.

I have been blessed to have returned to work in just 12 months and attempted to refinance out of this high interest loan. For the first time XXXX started reporting late payments after I requested a payoff effectively locking me into the loan.

I have made 2 payments last month and the company is still reporting that I am not making payments.

I requested a correction from all 3 credit bureaus and XXXX reported the payment history even worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two fraudulent accounts opened with my personal information : 1 )  XXXX XXXX - XXXX - {$160.00} 2 ) XXXX - {$360.00} This information was disputed XX/XX/2019 according to my knowledge. This information somehow is still showing up on my credit profile. 


I am also an authorized user on a 5 year old XXXX XXXX credit card. Equifax is not reporting this to my credit, but they should be.
Product: Credit reporting

Victim of frau d - Criminal ha s been charged and is serving a prison sentence for this crime. Even after documentation to support this was submitted credit reporting agency refuses to delete the incorrect information according to the FCRA
Product: Credit card

Ensuring that payments on this account are always made promptly has been my practice, never allowing them to be overdue. I'm unclear as to why there are reports of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX  XXXX My name doesnt match the bankruptcy XXXX XXXX on my credit report please check my two indentation documents and remove this bankruptcy because it doesnt belong to me. Please review the documents attached to this complaint. The attached documents from XXXX dated XX/XX/2023 explain why the bankruptcy was blocked or removed because I have disputed this bankruptcy for inaccuracy please read the 4 pages of documents, my SSN, and drivers license. XXXX used its data furnisher XXXX to investigate all its bankruptcies for inaccuracy. Please remove this bankruptcy immediately. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report summary for Experian shows the time since negative as 2 Years 2 Months ( see attached ). This is wrong. I have not been late on anything since 2014 following a period of prolonged XXXX. I attempted to contact them repeatedly by multiple means. This erroneous information is hurting my credit score and there's no place to dispute it since I don't see the negative item they're apparently referring to on my credit report.
Product: Student loan

My loan servicer was previously XXXX, and I had a REPAYE plan with a monthly payment of {$0.00}. I had not been asked to recertify or make any changes to this plan and was waiting for such a request. 

My loans were suddenly transferred to MOHELA in XXXX, with no record of my repayment plan with XXXX. They posted a late payment of {$2500.00}. I'm not sure what date that was posted, but I then received a late payment notice via email only ( not mail ) on XX/XX/XXXX. I didn't see it. On XX/XX/XXXX, I received notice from my bank of overdraft caused by a pending payment to the loan servicer of {$1200.00}, which I never authorized. 

I called MOHELA today, XX/XX/XXXX, to request a payment reversal and for them to re-initiate my existing REPAYE plan. They said it will take 90 days to review the request for a refund, it is not guaranteed, and that I would have to submit a new repayment plan request ( which I did ).
Product: Credit card or prepaid card

i have made numerous ( over 50 ) attempts to contact Comerica Bank who runs the Direct Express CARD FOR DEPOSIT OF GOVERNMENT FUNDS to get a replacement card for the one i lost. I REPORTED IT LOST THE LAST WEEK OF XXXX, 2021 THROUGH AN AUTOMATED SYSTEM WHICH CARD I REQUESTED BE SENT VIA EXPEDITED MAIL. ONLY TO FIND OUT BY AUTOMATED VOICE THAT IT SAYS IT WAS MAILED WHICH THEY SAID TAKES 10 DAYS. I PAID FOR AN EXPIEDITED CARD. THERE ARE HUNDREDS OF COMPLAINTS ABOUT DIRECT EXPRESS. YOU CAN NEVER SPEAK TO A LIVE PERSON. I HAVE NO IDEA WHAT HAPPENED TO MY BALANCE WHEN I REPORTED IT LOST. I AM ALSO DUE FOR MY BENEFITS ON XX/XX/XXXX AND NO CARD TO PAY BILLS. I AM AFRAID MY CAR WILL BE REPOSSED AND I WILL BE OUT ON THE STREET. I AM ON XXXX AND HOPE YOU CAN HELP ME.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I was discriminated against I was denied of my own personal credit title 15 subsection title 1611 faults and misleading denial of my own credit, and bureau and agencies are sharing incorrect and false information 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805. giving me a bad reputation on my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report that the account from XXXX XXXX ( Acct:XXXX  ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " Lease-End Liability Invoice '' " up to 30-45 days after your vehicle has been returned '' XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for four months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus and creditors were first made aware of identity theft and inaccuracies on my report in on or around XXXX associated with these fraudulent accounts loans. All accounts associated with this debt should have been reported as fraudulent. This discrepancy has thus been removed from only XXXX out of XXXX of the credit bureaus. I am sending this complaint on behalf of both XXXX XXXX and XX/XX/XXXX for still reporting inaccurate information. I spoke with a supervisor from credit Bureau and was told back in XX/XX/XXXX that this would be removed however its still being reported. Since then I have filed XXXX separate police reports concerning this fraud and forwarded this over to the company and never got response.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in an item on my credit report that I have no connection to. Following Experian 's instructions, I filed an FTC Identity Theft Report and submitted it along with the required documentation. However, despite my efforts, this fraudulent item still remains on my report.
Product: Credit card or prepaid card

Greetings, I'm in dire need of assistance. Since Thursday, XX/XX/2020, I've attempted to set up my debit card account online with EPPICard, to access my unemployment benefits which were deposited to the EPPICard on Tuesday, XX/XX/2020. After entering and submitting all of the information required to establish the account, a notice states " Can not find any client that matches the given biographical information. '' Repeatedly, I've called the number listed on the back of the card which resulted in my being placed on hold for hours at a time. After finally reaching a live person, twice, I was informed that my entered birth date doesn't match what the Unemployment Insurance Division, New Mexico Department of Workforce Solutions submitted. 

As such, I've notified the Unemployment Insurance Division, New Mexico Department of Workforce Solutions of the discrepancy by email, fax and by telephone. The circumstance remains the same, I don't have access to my unemployment insurance benefits that were deposited to my EPPICard account, last Tuesday, XX/XX/2020. I fear that I may lose those much needed funds. I greatly appreciate your assistance.
Product: Mortgage

I replied to a piece of mail I received advertising a 2.75 % interest rate for Veterans. I called and initiated a refi ( aroundXX/XX/2020 ). I was told that since my credit score/salary information was high enough that I should remove my spouse from the application to get the lower rate. I received all sorts of documents about the refi that indicated everything was moving along just fine XXXX initial disclosures, estimates, closing disclosures ). Today I received a letter of declination stating that the reason was due to the inability to remove the spouse from the current loan because it is a VA IRRRL. In addition to my credit score taking a hit for the inquiry it has been a huge waste of time. I was told that I wouldn't be making a mortgage payment for XXXX and I agreed to not shop around for better rates. After calling today, I was told that the declination was because the investor is not refinancing VA loans where a co-borrower is being removed until " the covid-19 pandemic blows over '' How can that be a metric for any form of lending? Can you require a co-borrower when the principal borrower meets your lending requirements?
Product: Debt collection

I have no business with ENHANCED RECOVERY CO  or XXXX XXXX  is item is fraudulently report on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Macy 's credit card that has been charged without my concern since XXXX of XXXX until XX/XX/XXXX, when I found out from my account statement that a credit protection agency has been charging my Macy 's credit card for almost 13 years. The amount charged on my were mostly between {$44.00}, {$48.00} or {$43.00} for 13 years. On XX/XX/XXXX when I discovered the changes that has been imposed on my Macy 's credit card account, I called Macy 's to inquired why these charges were on my billing statements which I had never taken a notice for 13 years. Macy 's customer service Representative referred me to XXXX XXXX XXXX   to resolve the problem. I canceled and requested for a full refund of the amounts taken away for 13 years. Since XX/XX/XXXX I have not getting my refund while it is approaching 90-day.
Product: Debt collection

Bank of America pursued collection f this debt against me in XXXX County Court. The case was dismissed by the judge. It is illegal for this debt to be pursued as collection against me and therefore should be removed from my credit report.
Product: Student loan

I began receiving XXXX XXXX XXXX benefits beginning XX/XX/XXXX. Soon afterwards I applied for a discharge of my ( FFELP ) loan based on total & permanent disability from XXXX XXXX. I recieved noticed ( XX/XX/XXXX ) that my application had been received & was complete. It also stated that my loan had been transferred to the guarantor who would review my application & make a determination of eligibility. The next notice regarding my student loan is dated XX/XX/XXXX & indicated that the Dept of Education intended to collect my defaulted student loan by Treasury Offset of my monthly XXXX XXXX  XXXX benefit. I requested a hearing in this decision & received notice stating that in XX/XX/XXXX Nelnet approved application for disability discharge, but had reinstated the loan in XX/XX/XXXX due to not receiving required documents during the 3 year post-discharge monitoring period. As previously stated, I did not receive any communication from Nelnet or the Dept of Education during the time period XX/XX/XXXX - XX/XX/XXXX. After numerous phone calls I was informed by Nelnet that the 3-yr post discharge documents had been mailed to the address where I resided 18 yrs ago ( XX/XX/XXXX ). I have moved 5 times in the past 18 years. I have lived at my current address since XX/XX/XXXX, which is the address where the the XXXX XXXX notice regarding my XXXX discharge application was mailed to. I recently submitted a 2nd XXXX discharge application which included a complete copy of my original SSA Notice of Award indictating that my XXXX case would be reviewed in 5-7 yrs, which is the time period required to be eligible for the loan discharge. I have received notice from Nelnet ( XX/XX/XXXX ) stating that my application had been received & was in review ; Nelnet notice ( XX/XX/XXXX ) stating that I failed to submit valid XXXX XXXX XXXX documents.