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

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX
Product: Debt collection

There was accounts put on to my credit profile by AFNI, INC that were not Authorized by me and are Unverified and or Inaccurate and is in direct violation of FDCPA and FCRA Laws, this is a Copyrighted name and has Leagal ramificatons along with it and Litigation my be pending.
Product: Debt collection

I was contacted by XXXX XXXX XXXX in XXXX of 2023 about this debt. I reported it to CFPB, ( complaint # XXXX ) because when I contacted them they gave misinformation and the repeatedly called me about this debt after I gave them proof that I paid and XXXX had made the error. They never provided me with information showing that I owed money. Now I am receiving information from XXXX on behalf of XXXX XXXX ( which I have never had an account with ) and they are asking for half of the amount due. 

I feel XXXX has made this mistake and sold the debt. Now the debt collectors are refusing to acknowledge that it was a mistake. I need help correcting this issue.
Product: Student loan

I received notice from the Department of Education that my loans were involved in the XXXX XXXX predatory lending lawsuit. Upon them finding them guilty, my loans were to be discharged. I then received a notice that the loan is now being held by Aidvantage but I shouldnt owe a balance. It still reflects on my credit reports as a negative balance still owed. I cant get anyone to resolve this when Ive called. They want to offer payment plans instead
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been trying to get Walmart credit card through Capital One to help me with my interest on both of my accounts with them. My interest is very very high and my family and I have been devastated by COVID in more ways than you can imagine. I am making the payments and have never been late once I need someone from the Corporate office to contact me in regards to my interest rates, and I do not understand why Capital One is not willing to work with me as I am struggling. I do not want to ruin my credit and need someone to discuss my options. I have called about 7 times and no one will help me so I had no choice to make this complaint.
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX
Product: Debt collection

I sent a payment to XXXX XXXX XXXX but the check was returned because the address was incorrect. I noticed on my credit report that commonwealth financial systems had the debt for {$87.00}. I sent a payment but it still shows on my credit report
Product: Money transfer, virtual currency, or money service

When using XXXX it never gave the information who was getting money and when making a complaint we couldn't get our money back. I've lost about XXXX that never got return to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Self Financial over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is the final date to communicate with TransUnion regarding the incorrect information they are reporting. They need more time to rectify these inaccuracies, and I feel they are neglecting their responsibility to ensure my information is accurate. 

I have already experienced identity theft within the last year when someone used my identity to rent an apartment and to establish services with XXXX XXXX. This situation has significantly impacted my wellbeing, and I am seeking to take legal action for each instance of identity theft. 

I would like to have these issues corrected, as I feel I am not being heard. Perhaps someone with more authority can help address my concerns and ensure my information is properly removed from their records, along with providing validation for my claims.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I owe this company ( citiretailservices.citibankonline.com ) a promotional balance and they won't let me pay on my promotional balance. I sent them a payment on XXXX and asked them to appy it to my promotional balance. I asked them to help me send a payment to my promotional balance on XXXX and when I asked they said they couldn't help and I needed to ask the question a certain way. I asked how and if i can speak to someone and they sent me to a automated line that specified that I could only pay on my promotional balance on the last 2 months before the promotional balance runs out. The website doesn't allow to make a payment that goes directly to the promotional balance without someone from the company doing it. It feels like they are not trying to to allow me to try and pay on it. I called again on XXXX and they replied " I don't have specific information on this ''. When I asked for more help I was sent this message " a promotional balance is a designated portion of your available credit that has a reduced introductory interest rate. Any balance you accrue up to the amount of the promotional balance is subject to a reduced interest rate. Any portion of your balance in excess of the promotional balance will be subject to your card 's standard apr. '' then they sent me a message that said " was I able to guide you to what you were looking for? yes, no, restart search ''. My question was never answered and they refused to apply it to my promotional balance. This credit card is through best buy and after it's paid off I plan on never using it again if this issue isn't corrected and they at least try and let me pay on the balance without trying to add interest when the promotional balance runs out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$20000.00}
Product: Credit reporting or other personal consumer reports

There are several accounts on my Experian, XXXX, and Experian reports that are reporting inaccurate and unverifiable information. The accounts are three different accounts from XXXX XXXXXXXX XXXX  and one account from XXXX and an account from XXXX XXXX. I can not put my account numbers in this public complaint however I have attached letters detailing everything.These accounts violate several FCRA laws and contribute to harm in several ways. I have addressed each account in full detail In the letters attached. Please review each letter pertaining to each account carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect information on my credit report it has been well over 30 days and i have not received any investigation results.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Ca

sh 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 appropriat
e redress For these violations
Product: Credit reporting or other personal consumer reports

I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified
Product: Student loan

Pioneer Credit is calling my place of business to collect a debt after I previously told them this is not acceptable. I do not want it and neither does my employer.
Product: Credit reporting or other personal consumer reports

I was stunned when I checked my credit report today and saw accounts listed that shouldnt be there. I review my report frequently, so it was a real shock to see these discrepancies pop up out of nowhere. I even refreshed my browser to see if it was just a tech glitch, but the inaccuracies remained. Im asking for a careful review of the documents I sent, so I dont have to keep worrying about this.
Product: Checking or savings account

I received a letter from Marcus about them closing my high-yield savings account without any explanation. I called and they said they can't tell me why, but have locked my account and I haven't been able to log in to transfer my savings. I called on XX/XX/2022 and can't get an answer why. 

I had this problem with a credit card in the past issued by XXXX XXXX, where I have good credit and paid my balances off in full ( no late payments ) and they closed my account without reason or explanation.
Product: Student loan

NAVIENT collected via wage garnishment {$5900.00} in excess.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report. The account details are as follows : Company : XXXX XXXXXXXX XXXX  Amount : {$1900.00} Opened : XX/XX/year> This collection account is in violation of multiple federal consumer protection laws and the Fair Credit Reporting Act ( FCRA ). For the reasons outlined below, I am requesting that this account be immediately and permanently blocked and removed from all of my credit reports. 

Violations of Consumer and FCRA Laws Failure to Validate the Debt : Under 15 USC 1692g ( Fair Debt Collection Practices Act ), the collection agency is required to validate the debt by providing evidence of its legitimacy, including a full accounting of the debt and proof of my obligation to pay. To date, XXXX XXXX XXXX has not provided any such validation. 

No Original Purchase Agreement Provided : The collection agency has failed to furnish the original purchase agreement between themselves and the original creditor, as required under federal and state laws. This lack of documentation invalidates their claim. 

No Proof of Licensing and Bonding in Michigan : XXXX XXXX XXXX has not provided proof of being licensed and bonded to collect debts in the state of Michigan, as required by state regulations. 

Failure to Notify and Provide Opportunity to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( Consumer Financial Protection Bureau regulations ), I must be notified of the debt and given an opportunity to dispute it before adverse actions are taken. This step was not followed.

Violation of FCRA Reporting Standards : Credit bureaus are required under 15 USC 1681e ( b ) to ensure maximum possible accuracy of information. Reporting an account without proper validation and documentation fails to meet this standard.

No Authority to Furnish Information : Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all required disclosures before reporting an account. XXXX XXXX XXXX has not demonstrated any authority to furnish this account.
Product: Credit reporting or other personal consumer reports

I reviewed my current credit report from Experian, XXXX XXXX XXXX and it seem to have inaccurate information and fraudulent accounts on my credit report with all credit bureaus. As a consumer this is holding me back to get a house for my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX CXXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX AMERICAN CREDIT ACCEPTANCE AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Charge-Off Account on Credit Report XXXX XXXX. XXXX Dear XXXX, I am writing to dispute the charge-off entry on my credit report regarding account number XXXX with American Credit Acceptance. According to my credit report, this account was marked as charge-off, but I believe this entry is inaccurate and should be removed from my credit report. 

I have reviewed the details provided by the credit bureau and the creditor, and I do not believe the charge-off reflects my true payment history or the account 's current status. Specifically, I believe the account was either reported inaccurately or there may have been a misunderstanding. 

As per my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with verification of the charge-off, including any supporting documentation. If you are unable to provide sufficient evidence of this charge-off, I respectfully request that you remove or correct this entry from my credit report. 

Under 15 U.S.C. 1681i, credit bureaus are required to investigate and resolve disputes within XXXX days of receipt of a dispute. I would appreciate your timely action on this matter and a written response outlining the outcome of your investigation. 

Please contact me at XXXX or via email at XXXX should you need any further information or documentation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My debit card was stolen and I contacted Capital One Bank immediately at the time I realized my debit card was missing. I have only ever had a debit card stolen less than a handful of times. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges. I noticed during the phone call initially that the representative may have misunderstood and submitted the transactions as a dispute rather than marked them as fraudulent. I am the only one authorized to use my debit card, and nobody else is. The charges in question were for a {$110.00}, and {$300.00} for a total of {$420.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), A credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card account with XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), and a collection account with XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) .These Accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX XXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Debt collection

During the XXXX pandemic, I was involved in a car accident that resulted in both the loss of my job and significant medical bills. The other driver had stolen the vehicle and, as a wanted criminal in three states, I was unable to receive compensation for the damages. Despite my efforts, including multiple attempts to resolve the matter, I encountered significant difficulties with the collection agency handling the medical bills related to my transportation to the hospital.

I contacted the collector several times, informing them that they needed to coordinate with my insurance provider, BCBS, to arrange payment. XXXX confirmed over the phone that they required the collector to communicate directly with them to process the payment. However, when I requested to speak with a supervisor at the collection agency, they refused to contact XXXX or participate in a XXXX call, which would have resolved the issue. The collector, Wakefield Associates, refused to authorize the connection and insisted that I was responsible for the payment.

Despite my repeated attempts to work toward a solution, they continued to demand payment and reported me as delinquent, severely impacting my credit. The delays caused by the collection agencys unwillingness to cooperate have now left me unable to secure coverage from XXXX, as the debt has become too old to be processed. I have exhausted every avenue to resolve this matter, yet the company refuses to comply with my requests. This situation has had a lasting negative effect on both my financial situation and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX. I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On Transunion this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.