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

In XXXX of 2022, I was unemployed and contacted XXXX about solutions available to me, due to unemployment. I was on unemployment and receiving government benefits and told them I could provide proof if needed be. They kept telling me they had no programs available to me, even with me being on government assistance. 

In XXXX of 2022, I received a call about my payment missing. I informed the agent that I was unemployed and receiving government benefits. She told me that if I could make a payment of {$170.00} that would cover XXXX and XXXX. She then informed that if I made an additional payment of {$86.00}, that would cover XXXX 's payment. I checked my account and luckily had received my tax refund check and made the payments. 

In XXXX of 2022, I started receiving calls from XXXX saying I was behind again. I questioned how that could be, considering what the lady told me. I asked for them to go back and listen to the call to see what she told me. 

The calls continued into XXXX of 2022 and every time I asked the customer service rep to verify what I was told, they told me they would put it in a request and then get back to me. I then told them I wanted to hear the XX/XX/XXXX call also. I told them if I heard it wrong, I would pay gladly pay them. I also asked about any programs, as I was just recently employed, but had not received a check and they told me they could lower my payments, if I agreed to another 10 years added to the loan. I declined. 

The calls came in once every XXXX days and each time I asked for them to review the call and they told they would and would get back to me, but never did so. 

I submitted an online inquiry on XX/XX/2022, due to not getting a response from them. Before ever getting back to me they alerted the credit bureau of a delinquent account. They finally replied to me on XX/XX/2022. 

This could have been solved before then, had their reps gotten back to me.
Product: Credit card or prepaid card

XXXX milestone card fee changed from {$25.00} to {$40.00} I complained and stated stop card, So they removed interest fee. So XXXX I requested a new card and they never sent one but demanded payment. I filed complaint with XXXXXXXX XXXX XXXXXXXX. And they claimed I don't request new card. But the conversation was recorded and now they say I owe {$80.00} but I don't have s card and I don't have a card number. Do I close the account are pay for a card they refuse to send?
Product: Debt collection

I, XXXX XXXX, am notifying CAPITAL ONE in writing that I refuse to pay this alleged debt which i have addressed and tried to rectify on multiple occasions. Your company has refused to correct the balance on my account and has also refused to honor my open-end credit even after affirming via the phone by a supervisor that i am enrolled in an open-end credit plan. I opened this account back in 2018 and Since then Capital one has knowingly participating in the fraud through the US Mail and is in violation of said violation of 18 U.S. Code 1341. Capital One has threaten to close my account on multiple occasions, used extortion by threatening to report to my private information to credit reporting agencies, has put me under immense stress and mental illness by causing burden on my financial history with deceit, lies, racketeering activities and causing hardship between me and other financial opportunities. 

Fact, I, the affiant, have reason to believe and do so believe, CAPITAL ONE which is a private for profit corporation, regardless of your/their location, has participated in racketeering activity as defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was an invoice for services provided by the insurance companies, which is embezzlement, theft by deception and extortion. 

Fact, I, XXXX XXXX affiant, am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306.

Fact, CAPITAL ONE is a for-profit company whose regulated by Truth in Lending Act.

Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Fact, I, the affiant am aware, CAPITAL ONE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Please be advised that a billing error NOTICE has been sent to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus.XXXX, Experian and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score reports and all include an old XXXX XXXX as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the USA to take a XXXX  job in XXXX. That same month, I apparently owed {$1.00} on my XXXX card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, XXXX kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for five months in the XXXX, I repatriated to the USA this past XXXX. During my entire time overseas I did not receive any mail from the USA. 
The XXXX report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact XXXX using two different phone numbers provided by the credit agencies, but was unable to reach a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX  XXXX XXXX, XXXX. 

Account number XXXX Account type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Debt collection

Goal : Getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report and loan in Deferred status. 

I have a private student loan that has been sold to University Accounting Services ( UAS ). 

I am a current XXXX full time student in a four year university and am concerned about improper reporting on my credit report. I have taken time off school but have been in full-time attendance from XXXX - Present and would like the delinquency on my credit report for these months taken off under deferment or forbearance. I am not currently employed while I am in school. 

I have called the following times to the company in order to resolve this issue. 

XXXX XXXX - called and talked with XXXX XXXX XXXX - called and talked with XXXX and sent in Deferment forms to XXXX XXXX XXXX - called and talked with XXXX and XXXX XXXX XXXX - called and talked with XXXX XXXX XXXX - Got a call from XXXX saying he would communicate with my client rep XXXX XXXX - called and talked with XXXX XXXX XXXX - emailed XXXX XXXX XXXX - called and talked with XXXX to confirm once again that the loan was private XXXX XXXX - called and XXXX mentioned he would email/talk to my client rep for an update and send me an email of confirmation ( never received email ) All calls since XXXX were under the goal of getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report. The company has not been very helpful in giving me the options I have available to me given my student status and financial situation. They will not let me talk to the client rep in charge of my account, instead I have to talk to a proxy ( XXXX ) who then says he will communicate anything I need to say to the appropriate parties. 

I am not disputing the validity that I borrowed for student loans, I would just like credit report to reflect the truth of my current situation.
Product: Debt collection

I have never done business with this company and I did not give them any of my personal info that they have. They are a 3rd party business that bought my info illegally. I have been a victim of identity theft and I have no business with them or their person they bought my information from. This needs to be legally handled.
Product: Checking or savings account

So I was using cashapp just like any other day when all of a sudden on XX/XX/2023 my cashapp account got closed for no reason and I had to recover my account. So when I had logged back in i noticed cashapp has closed my account due to terms of violations. So I had tried to appeal my account closure however cashapp didnt respond back to my appeal after they will review the case in 30 days. So I managed to closed down my old cashapp account under my username and create me a new cashapp account and my new account got closed linked to my old account of terms of violations. However cashapp has closed my account without proper justification, failed to investigate my appeal fairly, or if their actions violate consumer protection laws. I have exhausted all of Cash App 's internal dispute resolution processes. And they still refuse to listen to my appeal and overlooked my proof such as screenshots that was linked to my first cashapp account that got closed to have my second cashapp account reinstated. Ive appealed the closure and provided proof, and Cash App has not addressed my concerns. So when I tried to appeal my account closure with cashapp, they asked me three questions. What the reason I opened my account, whats my account activity And whats the best email to reach me at. And I answered those questions honestly and the cashapp appeal team still didnt budge and believe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX / AMOUNT XXXX XXXX  DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.
Product: Credit reporting

I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company
Product: Mortgage

We took out a loan with XXXX and it was sold to GreenTree Servicing last summer. While dealing with XXXX, we never had any problem with our monthly loan payments being received and credited correctly to our XXXX accounts we had with them. When GreenTree took the XXXX loans over beginning XXXX XXXX, 2014 we began to have problems. 

XXXX of the XXXX checks sent in XXXX envelope for the XXXX payment was lost ( the other XXXX was cashed ), and numerous times both payment were posted to XXXX loan even though each check had the correct loan number written on it. We have sent in payments each month for the correct amount, but they are saying that we owe them approximately {$1200.00} on each account. 

We have repeatedly talked with their servicing agents, but they continue to say we owe these large amounts. We have even received information from them recently regarding loan defaults. We have been unable to get this straightened out with them and very much need some XXXX party help. 

The original PITI on each loan was approximately {$480.00}. My calculations for PITI monthly is {$460.00}. Their current billing is for about {$610.00}. My number is based on actual principal, interest, taxes and insurance. 

Their agents call us frequently wanting additional payments at odd amounts. 

We would like very much to talk with someone from the CFPB to help us get this straightened out. We can supply an actual payment history ( from our bank account ), as GreenTree 's numbers bear no resemblance to the actual payment schedule.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

- I got notification from XXXX XXXX that my score has dropped so I began to research as to why. There were XXXX hard inquiries according to XXXX on XX/XX/XXXX and XX/XX/XXXX from Chase which I have no idea why. 
- I also got an email from XXXX XXXX XXXX on XXXX XXXX stating that my credit card application has been approved but I never applied. 
- I would like for these hard inquiries to be removed from my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect you to handle this dispute with the upmost seriousness and compliance with legal standards. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes
Product: Payday loan, title loan, personal loan, or advance loan

I opened a line of credit with Credit Fresh because I was having difficulties keeping up with smaller bills and basic needs after making payments. I received deposits a few times and then requested less and less as time went on but I was not aware that my payments were not being added to my principal balance. My payment history is also nowhere to be found on any part of my account. As the company mentioned when I filed my complaint with the XXXX XXXX XXXXXXXX XXXX As the average principal balance on your account fell into a bracket of $ XXXX {$1500.00}, you were charged {$85.00} in Billing Cycle Charges, which is an accurate charge that was disclosed to you on the Agreement document that you have signed. '' My payments were no less than $ XXXX {$99.00} which means they knowingly applied about {$15.00} to my principal balance and yes, though I signed an agreement, I had NO idea until I saw my remaining balance was almost next to nothing. I have paid about {$1200.00} and some change, and have about XXXX payments left, I borrowed a total of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately This account was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX only removed there account from 1 bureau XXXX They neglected to remove it from XXXX  and transunion. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

Transunion is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - XXXX XXXX On Time 30 Days Late 60 Days Late - Data Unavailable
Product: Money transfer, virtual currency, or money service

Beginning around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to  XXXX  on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my TransUnion credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for a student loan. They sent a letter back dated  XXXX   XXXX ,  2017 , saying I submitted the loan application, but the failed to send me any documents that I did.