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

I am writing a complaint on all remarks made on my credit report due to the fact of misused credit by lenders and the unauthorized use of my information for the financial gain of other corporations. Credit Bureaus without my consent and took my information to report on my credit report of accounts that have been created with credit but was not disclosed with consumer. The natural person original creditor. 

There are 6 different accounts from DEPT OF ED/NELNET All last reported on XX/XX/2021 which I was not informed on any of this information being reported. 

The price on each account is as follows .... 
{$26000.00} {$24000.00} {$20000.00} {$20000.00} {$3600.00} {$1500.00} There is no wet signature of mine on any document stating I owe any and or such alleged debt they state I owe. According to 18 USC 8 Obligations of the United States to pay any and all debts arising from consumer transactions.
Product: Credit card or prepaid card

On XX/XX/XXXX I activated my NEW BOF A EDD CARD and I have had to call the card 8 times to unlock it in 4 days. On XX/XX/XXXX I was denied authorization to access koney or the card due to faulty fraud system. Am being told Im not authenticating myself however I was just successfully authenticated not even XXXX hours ago.
Product: Vehicle loan or lease

I financed motorcycle and asked company to post my payments and any excess in the payment amount be posted as principle to the loan. This did not happen. Payments were posted as future interest instead. Over the course of 11 months, my payoff amounts increased and my statements show it. When I called last year, the representative told me they were posting them correctly. Then I would get a statement that said I had no payment due for several months. When I made a payment, they would let the entire payment go towards future interest. This was supposed to be an amortized loan ; however, it looks like a Rule of 78 type of loan. My payoff ( I am paying it off ) is essentially the same amount as the payoff on my very first statement even though my payoff amount decreased in the first few statements but then began to rise. Unreal.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year, I received a call from the exact number on the back of my Citibank debit card saying there was a suspicious transaction on my account in XXXX, GA. I confirmed that wasn't me and he said he wanted to protect my account from further fraud. He asked me for information - exactly what I don't remember - but essentially the same information a bank would ask if they were trying to access my account. He sent me prompts from a text number that had sent me Citibank prompts as well. When a request for a wire transfer of {$9800.00} came up, he said to accept it - that it was not a real wire transfer but just a sample prompt to make sure I received fraud alerts moving forward. I quickly hit accept and immediately felt odd about it and then they sent me another transfer request. I didn't respond to that one. Shortly after, he put me on hold and then the call dropped off. I immediately called Citibank and they confirmed that while the number they called from was theirs, they had no record of an outgoing to call that day to me. From there, I was directed through a maze of Citibank representatives and hold times, ultimately freezing the account but it was too late... the money had already left my account. Citibank sent multiple alerts to Bank XXXX XXXX and I filed a police report with the XXXX XXXX Precinct ( # XXXX ) and have submitted to the FBI IC3.
Product: Mortgage

We are requesting an affordable loan modification or a reasonable settlement with SLS/ SPECIALIZED LOAN SERVICING/ MANAGEMENT DEPARTMENT/ XXXX XXXX On XX/XX/XXXX XXXX told both XXXX and me to submit a settlement offer. 
On XX/XX/XXXX we submitted the settlement offer to SLS email ( XXXX ) On XX/XX/XXXX we called and spoke to XXXX ( point of contact XXXX ), she claimed that she did not receive any settlement but when she checked the email she saw the email we sent. Without submitting this offer to the Investor or the management of SLS, she bluntly rejected it and became very rude and unprofessional as she has done many times throughout the years. 
We have requested a new point of contact for years, BUT SLS MANAGEMENT REFUSED TO OBEY WHAT THEY HAVE PROMISED. AS PREVIOUSLY, AFTER FILING A COMPLAINT TO THE CFPB, SLS AGREED TO ASSIGN ME A NEW POINT OF CONTACT. BUT SLS MANAGEMENT REFUSED TO HONOR THE AGREEMENT ( AS PROMISED IN THEIR REPLY TO CFPB COMPLAINT ) CFPB, PLEASE HELP US
Product: Debt collection

On XX/XX/year>, Resurgent Capital Services responded to my CFPB complaint from XX/XX/year>. Their response letter stated that their office would initiate no further contact with me. Since then, I have received multiple emails ( as recent as XX/XX/year> ) and texts messages ( as recent as XX/XX/year> ) from them attempting to collect debt. Their unwanted communications are in violation of Federal and California fair debt collection laws and have caused me XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, and never taking accountability and taking actions thats in the best interest of the customer as a business. There were no live agents available. Eventually when I got in touch with a manger ; on their time, via email there was no grace given to me as the customer knowing that the representative was the person who caused the fraudulent activities on my account. This left my account vulnerable and unprotected and have caused so much confusion and frustration when dealing with this company. Furthermore, their dispute resolution process was unfair and deceptive, as they did not as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Everyone that I came in contact within this company was very oblivious and did not care about the situation that I was put in by a workers of theirs. These actions by this company have caused significant inconvenience and a huge financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was a resident at XXXX XXXX XXXXXXXX in XXXX, Florida. After many attempts ( months ) to have the gates of the complex closed because of a home invasion in the apartment near me, As a single woman, I no longer felt safe and I gave my notice that I was moving. I paid for a gated community because of safety. For months the gates remained open. Once the shooting occurred, I contacted the property 2-3 times a week. I left my new address for follow up on my deposits. I received the attached and immediately responded in writing that the amount they were trying to collect was not valid and actually made no sense. I requested for them to review the payment information that had been made and provide an actually true account of the amount they were trying to collect. This request is also attached. I never heard back from this company. Then I see that a collection agency is on my credit report. I disputed several times.  XXXX XXXX came back as verified. I contacted the collection company and asked why I received no response from the original creditor and once again stated the debt is not valid. I also let them know that what they were doing was against the FCRA. They told me to pay the amount and it would be removed. I don't feel this is right. That debt is not valid. They ignored my request in writing. Now, I need to find an apartment, and I am getting denied based on this false account.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

Company showing a closed then reopen collection account that's not mine an that's a violation of the fair credit act. I do not give permission to the company to report on my behalf.
Product: Mortgage

Force placed insurance on my mortgage without notification on a condo that has master policies in place. Provided documentation as of XXXX and force placed has been removed but payment has not been adjusted and currently charging approx XXXX monthly over my correct payment. Escrow reimbursement is allegedly in the mail as of XXXX. Not received and still pending review to adjust payment for almost 2 months now.
Product: Checking or savings account

I ordered two items from XXXX that were when received the wrong items. I quickly got with XXXX to send the items back and process my refund. I have been dealing with this since the middle of XXXX. XXXX has sent me in circles which led to me informing my bank. Now after several attempts XXXX has now refused to refund me due to the bank " stepping in '' they have tried multiple times to do so but claim they are unable due to the bank having a dispute. I have called my bank daily trying to get a resolve to this. I have even complained to the XXXX which led to an XXXX emailing me stating how this isn't normal practice and they are very sorry they will look into this. that was 2 months ago. They have not updated the claim since XX/XX/XXXX. Meanwhile I have been on the phone with XXXX providing them with all the details. delivery confirmation. and official emails that XXXX has now refused to refund me because they say the bank has blocked their ability to refund to me. My bank has claimed that this adjuster on the XXXX of XXXX attempted to call me. She has not she is a liar. there is no way that you would only attempt one call in 2 half months. this is insane. I have done their job for them and they are still not giving me my money back. I have a standing eviction notice. I have been dealing with Identity theft since XXXX and this bank has made it that much worse. They have refused disputes prior that were linked to police reports. Its insane to me that all this documentation does nothing. Every time I call this bank I speak to the most clueless people. Its always a i dont know. how do they have no clue of the process they created? How is it I have provided in document every piece of information needed to resolve this and I am still daily having to call to get my money back. They owe me close to {$2500.00} everytime I call i sit on the phone for hours to be told nothing they never have any information they actually told me today it could be another 90 days. FOR WHAT REASON!! WHAT IS THERE TO INVESTIGATE? THE COMPANY ALREADY ADMITTED FAULT AND TRIED TO RESOLVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXX XXXX, Ga this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. 


XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX  XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX Please remove all other addresses from my report as they are not deliverable to me by the U.S post office , and they are not reportable as per the FCRA, since they are inaccurate.
Product: Debt collection

Please be advised I understand that I am a federally protected consumer and Mohela is violating my rights according to the FDCPA and FCRA., I dispute this account and give them 10 days to provide me the elements pursuant to 15 USC 1692g or no such debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Lexis Nexis has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my TransUnion report from XXXX XXXX.
Product: Debt collection

Company- debt recovery solutions Amount- {$940.00} and {$280.00} Disputed these two account more then 2 times. I had health coverage everything was giving at the time of at the hospital Photo ID and health insurance card they are claiming that they have sent me letter and insurance never paid which is not true its was taking off my refit 2 times the 3 to 4 month after another collection company picks up the account which dropped my credit 68 points that is very bad speacially when Im trying to start a family. Please help take action against these people when I try to call they tell I have to settle and pay when in try to explain what had happened they hang up the phone very unprofessional. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9200.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

Bank of America card services was attempting to collect a debt and threatening to take legal action and then slandering and messing with my personal information as I give them to eliminate a debt
Product: Debt collection

This company listed an account on my credit report that I never had with them. I never had a an account with them nor have i signed any contracts with them at all. They are illegally reporting an account that I did not authorize the opening of. This is identity theft, I have never had any accounts with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - EQUIFAX MORTGAGE SERVI XX/XX/XXXX - EQUIFAX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX - XXXX Account # XXXX 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.
Product: Student loan

On XX/XX/2022, I refinance my federal student loan to a private loan servicer name XXXX on behalf of XXXX XXXX XXXX ( the " Lender '' ). The servicer agreement stated I had the right to request forbearance for up to 18 months. On XX/XX/2022, I lost my employment. I made ( XXXX ) payments which included a {$5000.00} fee which the loan new granted over the payoff amount of my consolidated federal student loans to ensure in possibly short on the payoff amount. The loan servicer was provided a payoff amount that offers up to 30 days to pay off the loan. Instead of {$5000.00} being sent to me directly, it was applied to the loan principle. I applied for a Forbearance shortly after losing my employee. A few days later, I got this response. 

Servicing XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX, Thank you for your recently submitted forbearance request. 

We recently received your forbearance request. The lender, XXXX XXXX XXXX, gave your request careful consideration and regrets that it can not approve the request at this time. 

REASONS FOR DENIAL. The factor ( XXXX ) below are the reason ( XXXX ) for this denial : ____ The borrower did not meet the minimum payment requirements ( either XXXX total consecutive payments before applying for his/her initial forbearance or making XXXX total consecutive payments between forbearance periods. ) If you have any additional questions, please get in touch with our XXXX XXXX  at XXXX Monday-Friday, XXXX XXXX- XXXX XXXX XXXX 
You can also contact us via email at : XXXX. 

Thank you, Customer Service XXXX XXXX. My first concern is that I was told by XXXX that the {$5000.00} that was approved over the payoff amount was applied to the principal balance is not considered a payment. ( Why not? Since surplus funds were never sent to me, I should have them applied directly to the loan. 

XXXX. I was told I must make XXXX payments before making a forbearance request. These specific terms were not included in the loan disclosure forms. 

XXXX. I was also told that the XXXX XXXX XXXX has the right to change the terms of forbearance at any point they choose to do so in the future.
Product: Debt collection

Company has called XXXX relatives stating they are a debt collector. XXXX person barely has any relation to me. The other relative asked about the debt and the collector accused my family member of being me and became hostile. Then, they left a message saying they will contact my employer and my relatives if I don't contact them right now.
Product: Credit card or prepaid card

They said I owed money when I didnt and I paid it off
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my TRANSUNION credit report. TRANSUNION : XXXX XXXX XXXX XXXX XXXX. This was already disputed with XXXX, and needs to be removed from my credit report overall I have no knowledge of this inquiry.
Product: Debt collection

This collection company is reporting me {$210.00} from the cable and internet company. I do not owe this company anything and I ask that they remove that account from the three credit companies.