23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Arvest Central Mortgage reported me 120 days late during loan modification trial period in the midst of XXXX when I made ALL the trial payments on time. They state my mortgage was delinquent when the trial period started which is incorrect and that's the reason they reported my account 120 days late. I had requested and was approved for a XXXX month forbearance plan from XX/XX/XXXX- XX/XX/XXXX. I applied for the loan modification XX/XX/XXXX and was approved for the trial XXXX1st pmt XX/XX/XXXX, 2nd pmt XX/XX/XXXX and 3rd pmt XX/XX/XXXX. All XXXX payments were made on time and they still reported 120 days late for XX/XX/XXXX- XX/XX/XXXX. I called once I found out this was reported on my credit report and " their response I signed document stating my credit score could be affected by accepting a loan modification ''. I realize this but thought they were only allowed to report the truth which was I had had agreed to loan modification trial period NOT that I was ever 120 days. I was on forbearance XX/XX/XXXX - XX/XX/XXXX so how could I possibly be 120 days late XX/XX/XXXX?!? They had originally reported 120 days late for XX/XX/XXXX and XX/XX/XXXX which they removed after my first complaint. They also told me if I didn't request for a loan modification after my forbearance ended I would be required to pay the XXXX  months of mortgage payments immediately or they would report my account 120 days starting XXXX which they ended up doing anyways. I would have NEVER agreed to the loan modification if I knew they would report me 120 days late. I would have cashed out my XXXX to get my account current and start the process to refinance my loan ASAP. Because of what they did I was unable to refinance when rates were exceedingly low in XXXX & XXXX all the while they continue to take advantage of what they did to ruin my credit and make money off of my higher interest rate and collecting PMI of XXXX XXXX monthly. I could have refinanced and not have to pay {$580.00} PMI due to value of my home increasing by almost 60 %. They took advantage of me during the height of XXXX which is criminal. Attached is the history print-out from their website showing all payments made from when home was purchased XX/XX/XXXX - current date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. XXXX XXXX balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before Repo reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason. 

XX/XX/XXXX XXXX disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late payments reported on open accounts that violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. results came back as update.

Dec 23rd 2022 I disputed Capital One Bank under violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. reporting agency updated and did not remove. 

XX/XX/XXXX I disputed a public record XXXX XXXX bankruptcy XXXX reporting agency listXXXX XXXX XXXX XXXXXXXX VA XXXX as the people whom reported information to them. This was in fact falseXXXX XXXX XXXX XXXXXXXX does not share any information with any credit reporting company this is found on their website as well if you call which again violates me as a consumer under law 15 US CODE 1681A, 15 US CODE 1666B AND US CODE 1681i.

I am asking that all of these items be removed from my credit report if not i will seek legal advice on moving forth in court due to my rights being violated.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$1000.00} to a individual whose username was XXXX XXXX with the cash tag $ XXXX via cash app. I believed that was goin to provide me with XXXX writing services. After further research into the individual I learned that their service was a sham and requested my money back. When the individual refused to refund my money I followed up with a police report and provided this information to cashapp customer service. They were unhelpful and claimed that the could not recover the money an basically to just be more careful when I send money next time. My conversations with cash app customer service occurred from XX/XX/XXXX to XX/XX/XXXX with no acceptable resolution. I have attached screenshots of my conversation with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Consumer Loan

I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.
Product: Credit reporting or other personal consumer reports

It appears to be an account listed on my consumer report that does not belong to me. This account was added to my consumer report without my knowledge or validation from both the bureau ( XXXX ) ( XXXX ) and the creditor ( CAINE & WEINER ).
Product: Credit card or prepaid card

On XX/XX/2020 I received an alert via email from XXXX  that a new credit inquiry had happened for a Cabela 's Club account through Capital One. I called Capital One to find out more information and found that the card was applied for in XXXX, XXXX My address in the United States is in XXXX , WA , however, I live overseas working at an XXXX  XXXX  in XXXX , XXXX so there was no way this could have be me. Capital One has closed the account due to fraud and said it would be removed from my record but they told me to put in a report through the website to be safe in case there are any other cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get my credit report on the annual credit report website but it says my information doesn't appear
Product: Credit reporting

found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment.
Product: Vehicle loan or lease

**AFFIDAVIT OF TRUTH** XXXX OF XXXX XXXX XXXX XXXX I XXXX XXXX XXXX , hereby declare under penalty of perjury that the following is true and correct to the best of my knowledge and belief. 

1. I am a natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX. 
2. I have been appointed and accept being the executor both public and private for all matters proceeding. 
3. I will do business as ( d/b/a ) XXXX, XXXX and autograph as the agent, attorney in fact. 

**Whereas : ** - I am of age and majority. 
- I give this notice to all and make a solemn oath to the one and only most high of creation only, whoever that may be. 
- I depose the following facts, now present : **Fact : ** The Truth in Lending Act is intended to inform consumers about the cost of credit. 

**Fact : ** The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors, and I have been abused and deceived. 

**Fact : ** I am aware and have proof in attachment labeled as Exhibit A that XXXX XXXX XXXX  is in violation of 15 USC 1605 ( a ) ( c ) and 15 USC 1635. This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligor 's loss, and/or property damage. XXXX XXXX XXXX did not include my insurance in my finance charge. 

**Fact : ** I am aware and have proof in attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX in fact took cash as shown in attachment labeled as Exhibit A & B. 

**Fact : ** I am aware and have proof in attachment labeled as Exhibit A and Exhibit B that XXXX XXXX XXXX is in violation of 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 
**Fact : ** I affirm these events happened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash APP ( Block , Inc, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). 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 didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave Transunion, XXXX, or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Due to a serious health situation placing me in extreme financial hardship, I am unable to make the high monthly payments on this predatory loan. At the time I took out the loan, I did not know I would owe the high amounts in medical bills that I now owe. I am XXXX XXXX XXXX and I live on Social Security only. Each month, I have called SpotLoan and tried to negotiate an affordable payment plan. They refuse to negotiate a payment schedule with me and they continue to add the high interest rate plus fees to my account. With an original loan amount of {$750.00}, I now owe almostr {$1400.00}. The Agent has promised me they would freeze the interest twice and did not live up to their promise with interest and fees added regardless of their promise. When I call they tell me the Agent entered the option but it was denied by the system. Any well trained agent would have told me the truth, which is the system would have denied the option to freeze the interest. I continue to make small payments each month when my Social Security check arrives and they continue to add interest and fees ; therefore, I am fighting a losing battle with this company. Other companies of this type have worked with me to freeze the amount I owe and set up affordable monthly payments, but SpotLoan is extremely predatory and they will not work with me.
Product: Debt collection

yes my dad open a military star card in my name with out my promission I try to tell them it was my dad who did it but they are still trying to make me pay it they say I 'm reliable cause my dad used my social security number but the paper they sent me of the account show none of my signature it show my dad and his ex wife my ex step mother the bill keep going up and I not reliable for it cause I 'm not the one who open it and I never knew it was open until I check my credit I try to dispruting but they would n't let me when none of the signature are my that was use when using the card and I was told that if I do n't pay it they will take my tax return and I wont see a penny back from it this need to stop I should have to pay something that I did n't do and this is a military a government program for a shop on XXXX XXXX and XXXX bases so why is the government try to take money from me that I do n't owe them I did nothing wrong and this is unfair plz help me
Product: Credit reporting or other personal consumer reports

" I am requesting the immediate removal of my student loan information and child support from my credit report. 
I believe this information is being reported in violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student education records. Additionally, the Fair Credit Reporting Act ( FCRA ) restricts the use of consumer reports to specific permissible purposes. I assert that the use of my student loan information and credit worthiness for purposes related to child support enforcement is unauthorized and violates the FCRA. They are simply looking at my credit for the ability to determine child support legally not damage my credit with arrears under 1681 B permissible purpose. 

I request notification of the removal of this information, as required by the FCRA, at no charge. Furthermore, I request the names and addresses of all entities contacted regarding this matter. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPTEDXXXX  XXXX Balance Owed : {$1000.00} DEPTEDXXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

there's an unauthorized/unrecognized inquiry by BMW FIN SVC dated XX/XX/year> in my XXXX credit report. Immediately delete/remove the above inquiry in question from XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simmons Bank is reporting an account as adverse against my credit file which has caused a drop in my XXXXredit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with XXXX XXXX and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXX/XX/20