23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Last Friday, XX/XX/2022, I received a phone called. The person said that they were with Dept. of Education and that I qualified for student loan forgiveness. Now, normally since I have an XXXX those type of phone calls comes up as " Scam Likely '' on the called ID. Also, I've received a phone call a couple of years ago and went through something similar. During that time, I was told that third party companies ARE NOT with Dept. of Education, so when I received this phone call stating that they WERE with Dept. of Education, I thought it was legit. They asked me a few questions and I answered. They then gave me a user name login for FSA and asked me to recite the code received to my phone. I thought it was weird, but I gave it to them anyway. Then, they transferred me over to another representative. As I'm on hold, I googled ways to know if I'm being scammed via FSA. And on the site it clearly states that Dept. of Education will not ask for your password and that if they had that information they could use it to sign documents without me knowing. So, when the new representative came on the phone, I asked him again if they were with Dept. of Education and he said no. So, I hung up. I didn't give them any payment information or paid any fee of any sort. But they did have my login information. I immediately changed my username and password and called my loan provider. That person stated that that's all I could at the time and that I was good. I received an email from Dept. of Education today, XX/XX/2022, about suspicious activity about a third party on my account. I called Nelnet again and they stated they don't see anything new or suspicious on their end, but to change my password just in case ( which I did ). I called FSA and the representatives told me that they don't see anything new or suspicious on my account either. But they did inform me to file a complaint here to have you all look into fraud or anything new for the future. I've also removed any saved payment account on Nelnet to ensure that these third party companies will not take any payments from me.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX For Equifax : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing. Complaint against Cash app ( Block, Ink. ) 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 appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1700.00}
Product: Checking or savings account

CHIME BANK XXXX XXXX - Purchased Clothing Online @ XXXX  For XXXX Clothing Was Supposed To Arrive By XXXX XXXX XXXX XXXX XXXX 

Upon Arrival - It Has Now Been Over The Estimated Delivery Date XXXX XXXX Still No Update Or Response Even When I Ordered Expedited Shipping I Gave Them A Little Over A Day To Get Back With Me. 

Screw It - Decided To Cancel The Goods & Services Not Received. Asked XXXX  For A Refund. The Company Stated That Id Have To Return The Items Before Initiating A Full Refund.

The Catch - I Cant Return An Item That Has Never Arrived So Therefore How Would I Be Able To Receive The Refund. 

Dispute - I Took The Time & Disputed With Chime, My Bank Account Now They Say That The Merchant Is Not Responding. Claims Can Take Up To 10-20 Business Days To Resolve. MAX Could Take Up To 90 Days When This Company Has took XXXXXXXX Of My Cash In Less Than 5 Seconds.

Follow Up: It Has Now Been Over 8 Business Days & Ive Yet To Hear From Any Chime Rep About My Claim 

Side Note: Ive Had Claims Take No Longer Than 5 Days. Something Isnt Right. 

                         - THANK YOU APPRECIATE ANY HELP.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681c-XXXX, and XXXX B. These companies are in violation of these laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft XXXX XXXX XXXX XXXX XXXX XXXX  XXXX POLICE AND FIRE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent a letter dated XX/XX/2024 that states loan sequence 11-15 are satisfied and that I have no obligation or required to make any more payments. The loans are still appearing on my account and I wish to have them removed because I am about to retire and do not need any obstacles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable :
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX with Global Lending Services ( GLS ). The vehicle contract charged me for registration fees, however, the dealer illegally registered the vehicle in Missouri, a state I did not live in. 

When the vehicle was brought to me in California, it had temporary tags. When I went to the DMV, I was told that I owed {$4000.00} in taxes and registration fees. 

I went to the state and they agreed to give me a payment plan where theyd grant me registration for after making payments of {$2000.00}. During this time I stayed up to date with my payments. In XXXX, GLS emailed me saying I needed to pay the taxes. In XX/XX/XXXX I only made {$1000.00} in payments, GLS called me and insisted for me to register the vehicle. ( Id later learn this was so that they could get claims to the vehicle ). I shared that I couldnt make payments to both the state and GLS. They gave me a month off to make the payments. 

During this time, I spoke to 4 banks that wanted to grant me a refinance loan however, they refused to finance an unregistered vehicle. 

I went to the DMV and it took 3 months to set up registration. In XXXX when I began to fall behind, I told GLS that I cant make payments. Could I cancel my warranty to retrieve the {$1500.00} check make some payments towards what I owe, while I still make settlements on the tax bill. 

The bank said yes the warranty check will help. I cancelled the warranty then the check was sent to them. For 2 weeks they pretended as if they didnt have the check until I went and found the check # and admitted they had it. This was in XX/XX/XXXX. 

At that point they denied the check having any assistance on my payment and would only go towards the principal. At that point they decided to move forward in the repossession process. 

I locked the car behind a gate until I finished making all the payments for the taxes in XXXX. On XX/XX/XXXX the bank broke California Law and trespassed behind the gate to illegally repossess the vehicle. According to California law they were supposed to send me written notice within 48hrs. I never received this information until XX/XX/XXXX. 

When I called the bank on XX/XX/XXXX they said they have the car, I asked how did they get behind the gate, they said their repo company has their ways. 

I received written notice on XX/XX/XXXX that would allow me to reinstate the loan. On the paperwork it said I would need to pay {$3000.00} and that they would take off 2months payments and defer repo fees toward the end of the account. So to reinstate the loan would be XXXX. 

Today XX/XX/XXXX the day before my last day of reinstatement, I called the bank they gave me a number that is different from the written notice and goes again when they sent me. 

After having a disagreement on what the cost is they admitted that what was sent on the paperwork was wrong. However they are now demanding me to make a payment that is more than what we agreed to and what was on paper. 

After noticing that they say one thing and keep going back on our agreement I notice they are doing illegal state and federal practices and committing predatory lending.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Debt collection

A collector at XXXX XXXX lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called XXXX XXXX in XX/XX/year> to begin a payment plan that month. But I called them again prior to the XX/XX/year> due date as I needed the plan to begin on XX/XX/year> instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that XXXX Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for XXXX to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. XXXX XXXXs used intimidation and deception so that I would believe I had no right to decline their terms.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cavalry Por*olio Services XXXX : Customer Care XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX, RE : Notice of Violation of the Fair Debt Collection Practices Act XXXX XXXX  Acct : XXXX Dear Cavalry Por*olio Services, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. 
If you are not aware this entire claim is regulated by an arbitration agreement with The company that originated this account, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 
While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report dated XX/XX/XXXX, at Equifax contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiry was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX  XXXX XXXX XXXX so that I can file my taxes accordingly. This XXXX account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF ED/XXXX  is reporting information that does not coincide with the original contract. Account # XXXX is a duplicate account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The vehicle was in the possession of the co-owner. I was not aware of the debt accumulated on the vehicle due to divorce.
Product: Debt collection

I am writing to formally report that I have been a victim of identity theft, which has resulted in fraudulent accounts being opened in my name. These accounts, which I did not authorize or initiate, are now erroneously appearing on my credit report as collections. I have taken initial steps to address this issue, including filing a police report and disputing the accounts with the credit reporting agencies, but I need further assistance in ensuring that my rights as a consumer are fully protected. I respectfully request the XXXX XXXX support in investigating these matters, ensuring that the inaccurate information is removed from my credit report, and holding the responsible parties accountable. Thank you for your attention and assistance in this urgent matter.
Product: Checking or savings account

THIS IS NOT A DUPLICATE REQUEST I filed 4 claims on XX/XX/20 on transactions after my online savings account was fraudulently accessed online and four XXXX transactions were were fraudulently sent from my account to someone named XXXX XXXX. On XX/XX/20 those claims were denied stating the transactions posted as requested. I submitted a second claim on XX/XX/20 after receiving this information. I did my own research and went to US Bank to obtain any information that they could give me on the XXXX transactions that were sent from my account. I spoke with XXXX XXXX who provided me with the person 's name, XXXX XXXX and bank, XXXX XXXX the transactions went to. From there I went to XXXX XXXX and spoke with the Assistant Branch Manager, XXXX XXXX. While speaking with her she verified that the XXXX transactions that those funds did indeed go into XXXX XXXX 's account. She contacted her fraud department to see what they could do on their end but she said unfortunately there was nothing they could do on their end and that US Bank she re open the case. After I left XXXXXXXX XXXX I went to the Police department to file a police report on the situation that occurred and spoke with officer XXXX case # XXXX. A little background, Back on XX/XX/20 my car was broken into and my purse holding all of my personal information was stolen. I filed a police report with Officer XXXX case # XXXX if you need to verify. My guess is, that information was used to access my account and fraudulently send wire transfers from my account. I don't know a XXXX XXXX and would never authorize 3 XXXX transactions to be sent to one individual in one day then turn around three days letter and send another transaction to the same individual. I have been in contact with the US Bank Fraud department several times, with no results. Please someone help me to make this make sense. I feel like I have done everything I can do and have contacted everyone I can contact and have still not gotten results. Today I contacted XXXX XXXX 's Probation Officer XXXX XXXX to let her know of the situation. She is in the process of submitting paperwork for probation violation. I am hoping the have this situation resolved as I have only received minimal communication in regards to my account.
Product: Checking or savings account

I had a credit of $ XXXX deposited into my PNC checking account showing Covid credit as the category. When I contacted my bank as to what it was, I was informed it was a credit like citizens had received before during the last year for pandemic. I never requested this money I never signed anything, etc. Amazing, so I thought. 
My direct deposit paycheck hit my account at midnight today and PNC took it saying my account was now overdrawn and used it to repay what is now showing as a $ XXXX temporary credit. 
I am a XXXX mom and this took my rent and groceries for the next XXXX weeks. My next paycheck will also be taken for the outstanding difference. 
I contacted PNC who now denies any of this and states if was financial assistance, which again I never requested. They would not even assist with a payback plan or anything. 

This is absolutely unethical banking practices and theft on their part.
Product: Debt collection

Certified letter sent on XXXX, they continue to call all hours of the day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LVNV Funding on several occasions requesting validity of the item bering reporting on my credit report. They have not been able to provide valid details or proof of whom the account belongs. As It does not belong to me. I was under age at the time the account was opened. I asked for signature of an application etc., and they have not been able to provide anything to me besides a copy of the credit card statement which does not show proof that the account belongs to me.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Contract Callers Inc. I did not open or authorize the account that you are reporting a balance of {$2200.00}. This fraud account was not opened by or used by me. I've never had any obligation with you or the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Debt collection

Received phone call at my place of employment from collector, I requested that they no longer call me at my place of employment and they have continued to do so. They have also threatened legal action regarding my debt and initially refused to provide verification of the debt by mail. They have called repeatedly, sometimes as many as two or three times in a day.
Product: Mortgage

Hello, our mortgage has been recently transferred to a new mortgage service company ( Nation Star Mortgage ). When submitting my payment for the month on XXXX, NationStar told me that going forward they will charge {$9.00} unless I pay my mortgage by the XXXX of every month. I am wondering if that is the rule industrywide, because I have always paid my mortgage on the XXXX of every month with my former servicing company. I really would like to continue to pay my mortgage on the XXXX of each month, because it is still 30 days whether I pay on the XXXX or the XXXX each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

ED FINANCIAL SERVICES LLC is in violation of 20 U.S.C. 1232g ; 34 CFR Part 99 and the Privacy Act of 1974. They shared information without my consent and it is damaging my consumer report and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.