23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am trying to get XXXX to withdraw a tax lien from credit report. The amount was paid in XX/XX/XXXX and put on my credit report in XX/XX/XXXX. The XXXX years should be up soon but they are telling me that I have to wait until XX/XX/XXXX. I should only have to wait XXXX years from when I actually paid it. That is not right. I understand that they do not report to the credit bureaus however they can put in my in my public record that it has been withdrawn. At that time I can dispute it and get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted XXXX XXXX and Transunion I still have yet to see the changes made to my reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. which violates 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: Checking or savings account

On XX/XX/2024 I went to a Wells Fargo in XXXX Delaware to withdraw {$20.00} from the atm, I walked over to the bank door and realized it was closed so I walked to the drive thru atm, after that I went back to my car thats when I seen the branch manager staring at me, she asked me if I was XXXX I told her no, then she started following me while I was driving off, she then met up with some XXXX XXXX and they started recording me and telling me they were calling the cops stating I was looking suspicious and why was I near the bank
Product: Debt collection

Today XX/XX/18 XXXX XXXX called me at XXXX XXXX. 

This is completely ridiculous. They continue to call at all hours of the day and night. They repeatedly harass my family members after being told repeatedly to stop calling them. They call my Mothers cell phone and leave detailed information about my debt.
Product: Credit reporting or other personal consumer reports

recently reviewed consumer report, there are several unauthorized accounts, inquiries, and late payments listed. As a reference, please see the below accounts, inquiries and late payments : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Payment XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charged-off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX Inquiry XXXX XXXX InquiryXXXX 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
Product: Student loan

My private loans have been through Navient for years, and these specific loans have co-signers. I am not able to lower my monthly payment ( they have 4 of these loans grouped into 1 monthly payment of over {$400.00} ), and they really don't give me any other options. This is a ridiculous amount, and plus, this loan was for my education when I attended the XXXX XXXX XXXX XXXX a school that shut down due to fraudulent behavior. For these reasons, I would like to have the loan ( s ) forgiven ( my federal ones already have been forgiven, too ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates Experian XXXX report with no late payment and XXXX XXXX with no late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I received  a 30 days late on my credir report I wrote to XXXX  XXXX  / XXXX  because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in november and it went toward the XXXX  payment. on my credit report it shows the account closed but  there is another account still open on the credit report this account have not closed.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute an unauthorized trade line that continues to be reported on my credit file by XXXX XXXX XXXXXXXX and the three major credit bureaus ( XXXX, XXXX, and TransUnion ) despite my multiple disputes. This illegitimate XXXX XXXX XXXXXXXX account listing is the result of fraud and identity theft, which I am a victim of. 

I have never opened or had any relationship whatsoever with XXXX XXXX XXXX. I did not authorize this account, provide any personal information for its creation, nor have I ever had any access or made any charges on this fraudulent account. Despite disputing this inaccurate entry multiple times, XXXX XXXX XXXXXXXX and the credit bureaus have continued harassing me about this account that has nothing to do with me. 
Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from identity theft - 15 U.S.C. 1681e ( b ) mandates maintaining reasonable procedures to ensure maximum accuracy - 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to a credit bureau if notified of identity theft - 15 U.S.C. 1681i requires conducting reasonable investigations of disputes Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d, 1692e prohibit harassment and the use of false, deceptive, or misleading representations connected with attempted collection of a debt not owed. 

The continued presence of this fraudulent XXXX XXXX XXXXXXXX account and the unrelenting harassment about it by XXXX XXXX XXXXXXXX and the credit bureaus violates multiple federal consumer protection laws, as outlined above. As an identity theft victim, I have an absolute legal right to have this inaccurate and illegitimate information blocked, deleted, and no longer pursed or reported. 

I demand XXXX XXXX XXXXXXXX and the credit bureaus immediately : 1. Investigate and remove the unauthorized account 2. Cease all harassment, collection efforts, and reporting related to it 3. Implement procedures to prevent its re-insertion per FCRA requirements Please promptly investigate this matter, take corrective actions, and provide me written results within the statutorily mandated timeframes. I am prepared to pursue all legal remedies for any continued violations of federal law, including filing complaints, seeking damages, and attorney engagement. 

Enclosed is documentation and a copy of my identity theft report. I trust you will undertake a timely resolution to this serious matter that is severely damaging my credit and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

PPC just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for XXXX just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do XXXX for my kids. I asked for PPC to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to ZERO and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!
Product: Debt collection

Jefferson Capital had called my place of work numerous times. I have looked on my credit report and I have nothing in collections from this company. I also have never received anything in the mail from them. I do not know why they would call my office repeatedly. The office staff tells them I am not in the office. They also are very rude and aggressive with the office staff. I finally called them back and gave them my phone number, not my employers phone number, and they had no record of me in their system. I told them to stop calling my employer. They have never once tried to reach me personally or through mail. I have no idea what this is in regards to, like I said before nothing is showing up on credit reports.
Product: Debt collection

One month  behind which does not justify them calling my landline and cell. They NEVER leave a message, just keep calling.
Product: Payday loan, title loan, or personal loan

On XX/XX/22 money was taken from my checking account for a payday loan I do not have at Checksmart in XXXX Ky. I had paid a previous bill for my son and he told them no when asked to store my debit card on file. When the payment came out on XXXX I called them wanting to know what the charge was for. During the conversation I was told it was for the payment my son owed. I asked them to reverse the charge because I did not authorize the payment. They told me to get the money from him. I informed the woman XXXX that my account was now overdrawn and my own payments were being reversed back causing more fees. She said then my only option was to dispute the charge. I asked again for the charge to be reversed. She stated she would call her DDO and call me back. My son called and asked why they saved my card on file when he told them it was a one time payment and was told it saved automatically. I received a call from the store manager XXXX stating the XXXX XXXX said my only options were to get the money from my son or dispute the charge.
Product: Debt collection

XX/XX/XXXX - Ex-fiancee and I obtained a 2nd loan for approximately {$63000.00} from XXXX. 

Loan was transferred to XXXX. Appromately XXXX. 

XX/XX/XXXX - Relationship ended with fiancee. 

XX/XX/XXXX, XXXX Loan was sold to VeriPro Solutions for {$62000.00}. 

XXXX XXXX - Received a lump sum payoff quote letter from VeriPro Solutions for {$51000.00}. 

XX/XX/XXXX - Received a Payoff Letter from VeriPro Solutions while in escrow to sell the subject primary single family residence for {$91000.00}. 

XX/XX/XXXX-XX/XX/XXXX - Contacted the lender to request and negotiate a " reasonable '' payoff amount. They were not willing to be reasonable nor to negotiate since the property was in escrow and in their opinion, there was enough equity for the payoff with no regard to the loan.
Product: Mortgage

I have been making attempts to pay off in full a reverse mortgage loan since last fall. After multiple attempts the collection agency continues to not communicate and tell me how much the final payoff amount is and where & how to send it in. Please see attached document with detailed information and chronology of my attempts to communicate with Reverse Mortgage Funding, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.
Product: Debt collection

Hi XXXXXXXX ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to GC SERVICES, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and XXXX recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable.

Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages.

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland credit management keeps calling from different numbers but I have no debt in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Checking or savings account

The first fraud incident on my account was on XX/XX/XXXX and I reported it to Citibank immediately. They started the dispute on XX/XX/XXXX and I am not clear about the reason why. After I complained to CFPB, Citibank contacted me and sent me the forms to fill out for the dispute. Before that, I had contacted them multiple times and their response was that it was still in process. Now, they don't even want to take responsibility for the fraudulent activity on my account, and all they could say is that the beneficiary bank already sent the money to the crooks. I do not understand how they came to such a conclusion. I did not authorize anybody to take money from my account and it seems like they don't even want to help me out in this situation. Without authorizing this transaction, how can I be responsible for this fraudulent activity? When I talked to the costumer service at the bank, one of their responses was that this was a small amount and that they have had many clients lose thousands of dollars everyday due to such fraudulent activity. If their clients are losing money like this, shouldn't they be doing something to protect their clients? I am a XXXX XXXX, who is struggling everyday to make payments for my XXXX  and this was the money I had saved up in order to make the payment. To them, it seems like a very small amount, but to me, it is all my hard work. I can not lose this amount. The institution ( Citibank ) should be responsible for this action. My family has been faithful customers of this bank for more than 25 years. Even though I set up an alert to my phone for any transaction, Citibank did not send me an alert for this fraud, which happened multiple times on the same day and my account was wiped off. In total I lost {$3400.00} including the domestic transfer fee! Being such a large institution, they don't seem like they want to do anything to help me. Now I am forced to borrow money from my parents everyday to make up for this loss and to pay for my expenses. I have a learning XXXX, which why I am unable to work full-time and manage my studies simultaneously, so this money was very important to me, as I need to make the rent payments for the next three months. I hope somebody can help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXX XXXX  XXXX, MO XXXX , XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}