23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX th we were wanting a estimate for a furnace since we were having problems with ours nickle and diming us to death.. Plus the fact it was almost 30 years old..Had a company come out to our home diagnose the problem. Said it would cost between XXXX XXXX dollars to fix when my wife found the same piece for XXXX at XXXX. Said they couldnt do it that way that we had to go thru them. Anyways my husband asked for a estimate on a new furnace and the guy said he had a guy he works with that could help me A hour later this guy shows up asks my husband if he could measure furnace, and comes sits at our table with laptop. Asks my husband 4 questions. NamebirthdateSocial and when he got to social my husband says listen buddie. Im old school. I need paper work In Front of me.. and asked for address.. The salesman says that he sent the link for paperwork while telling my husband he needed his signature on a black computer screen and again my husband said youre going to fast for me. SLOW DOWN. asked why the signatures and he said just chicken scratch right here one for credit check and again my husband said I dont need a credit check I have good credit and the salesman said he needed to check it to get us the best possible price he could and the other signature was us allowing him in the home to do it He never sent the link and we told him that. My wife asked him to resend it and we told him we had a printer and we would print it and make a decision at a later date. He immediatley got up. Said he had another meeting and would send us link when he got back to his office.. Never happened. What he did do was open a LOAN IN MY HUSBANDS NAME WITH THE INFORMATION HE GOT FROM HIM WITH A COMPANY CALLED XXXX NEVER AUTHORIZED THIS LOAN AT ALL AND HE OPENED IT FOR 10 years and 127 payments which means XXXX XXXX $ in interest. My husband started getting emails from a company named green sky, which we have never heard of in our life didnt answer them or open them because he thought it was spam after the fourth day he decided to open it because it was kind of a nasty email and thats when he found out that he had a loan open in his name without his authorization.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN THERE IS AN INACCURATE PUBLIK RECORD DOCK # XXXX LISTED AS A BANKRUPTCY THAT I HAVE NEVER FILED, I REACHED OUT TO THE STATE CLERKS OFFICE AND ASKED FOR VERIFICATION THEY TOLD ME THAT THEIRS NO BANKRUPTCY AND ALSO WROTE ME A LETTER STATING THAT THEY DONT SHARE INFORMATION WITH ANYONE OR ORGANIZATION I THEN ASKED CREDIT COMPANY IN QUESTION WHY IS IT ON MY CREDIT CONSUMER PROFILE THEY REFUSED TO SEND ME ANY INFORMATION OR VERIFICATION WHICH IS IN VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO FCRA LAWS
Product: Checking or savings account

Trying to u se s se rvice the bank has not responded to the request it 's been almost a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

I traveled to XXXX on XX/XX/XXXX for my grandma 's burial, ended up spending 5 months. While I was there, I noticed there was a charge on my credit card on XX/XX/XXXX. I didn't leave my card with anyone and Im not in the states, so I immediately called my bank. The reps kept sending OTPs to my SMS, which I didn't have access to because I was out of the country, so they refused to file my claim. I noticed my card was restricted and then reinstated again. I called again and they refused to help because I could not validate the OTP they kept sending me, so I decided to wait till I got back to the states. I called when I got back and filed the claim on XX/XX/XXXX, on XX/XX/XXXX, I got an email from my bank that they couldnt approve my claim because my card was used and my pin entered, so that means I physically used the card myself. I was not in the states when this happened so how could I possibly use my card? All purchases were made in XX/XX/XXXX and XX/XX/XXXX, totally almost {$700.00}! I need money back from my bank immediately! This is IDENTITY THEFT and I have filed a police report as well. It is disheartening to think that my money is not safe with my bank.
Product: Mortgage

In 2020 I received a call from my Mortgage XXXX XXXX, company stating that if I'm having financial issues related to the COVID 19 pandemic that I could pause my payments for up to 1 year. At this time my business was totally halted from the pandemic so I elected to paused my payment for this time. It is important to know, this program was a no documentation program that they said was issues by the federal government in response to the pandemic. All I had to say was yes pause my payments and they would extend my term by how many months i decided to pause my payments. At that time my payments were a little more {$1900.00} dollars a month. Although I had a year to stay in the program, After 5 months my business was back up and running. I called XXXX XXXX and everything went bad. XXXX XXXX representatives explained to me that they made a mistake and give me false information. They stated that they did not 'pause '' payment, and the payments did continue. In fact, when I got out of the program. each payment that I missed would be taxed on to the principle! Meaning each month the Principle of my loan increased by the amount on my mortgage payment. The amount I owed went up by more that {$10000.00}!!! Even more, while disputing the mis-information, I could not get out of the " pause '' because that would trigger the increase principle payment. During this time of dispute, I paid my mortgage payments on time. None of the mortgage payment went to my account. For over a year, my payment went into a " non-asset '' account. Over {$20000.00} was place in this account. Although Ive paid the agree time, My Principle balance is more than {$12000.00} more than what it was 2 years ago and a {$22000.00} payment that is also due. To make thing even worst, While we were disputing this issue XXXX XXXX sold my loan to the ABSOLUTE WORST loan servicer possible, Select Loan Servicer aka SLS. Although I was paying on time, XXXX XXXX threaten to foreclose on my home. To keep from a foreclosure XXXX XXXX worked out a new 40 year loan payment program which SLS said they would honor. After just 1 payment SLS raised my payment by {$100.00} a month. They stated this was a escrow audit. This is a lie. I know because 1 ) the escrow department stated that they did not do and escrow assessment on my account and 2 ) My insurance actually went down XXXX ) My taxes never changed. The biggest issue is my the $ XXXX dollars that was not applied to my account from XXXX XXXX was never transferred to SLS. To this day, my SLS account is showing a payment due of $ XXXX I strongly believe that Ive being scammed. At no time have I ever missed and agreed payment. While doing my research Both XXXX XXXX and SLS have a history of defrauding people with deceptive practices. Have have all records and many phone recordings to back up my claim. Is this something you can help me with or direct me to someone that can assist in this legal matter. 
Respectfully,
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately XXXX CAN NOT supply me with anything XXXX I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint XXXX and Equifax you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
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 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 those violations.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited
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 me significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX/XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.
Product: Student loan

My XXXX XXXX loan, which Navient now owns, is reporting different data across the major credit bureaus. XXXX says on XXXX of XXXX my account went to 120 days late on my FICO credit report. It was reported as " OK '' XXXX of XXXX. XXXX also shows that 120 days late remark. On XXXX of XXXX XXXX still shows 120 days late but XXXX bumps up to 150 days late. This occurs again on XXXX XXXX when XXXX stays at 120 days late but XXXX increments to 180 days late. My issue with this account is that the data is being reported differently to XXXX different credit bureaus, so is this not in violation of FCRA that requires 'if ' data is going to be submitted that it has to be accurate? Another question I have, how can the account go from payment ok on XXXX of XXXX to 120 days late by the next month? It 's not like XXXX XXXX did not report the data, as is the case for earlier in the year, but for XXXX it clearly says the payment status was OK. If it really was 90 days late, that means the date of my first delinquency would be further in the past. That would greatly help me because if we date this back to the first 30 day late, I would have this fall off my credit report three months earlier than it currently would. All of this lead me to dispute with Navient who now owns these accounts. I have tried several times to inform them that the payment information is wrong and I asked them to please remove it if they can not make it accurate. They reply that it is accurate and they refuse to change it. I 'm hoping that you can help me not only get the payment data to match across all XXXX bureaus but I am also hopeful that they can provide some proof to verify which of the XXXX is genuinely correct. I do n't like the idea of Navient simply changing the data to match one of the other credit bureaus without proving what in fact was incorrectly reported. With all of that said, I would be very grateful if Navient agreed that mistakes were made and that they just discontinued reporting the payment history across XXXX, XXXX and XXXX. These loans defaulted over 4 1/2 years ago with the delinquency happening around 5 1/2 years ago. Would it be so bad if after all of this time Navient extended some grace to me after they themselves made mistakes on the data they reported?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Consumer Loan

I brought of vehicle from Regional Acceptance around XXXX. I was in an XXXX relationship relationship that I was trying to get my kids and myself out of. I took the proper steps with the authorities as well as contacting Regional Acceptance about what I could do. I had to pack up and leave everything behind in order to be safe. Upon speaking to them I was told that I can voluntarily turn my vehicle in. I turned my XXXX XXXX back in to them in XXXX. I was told it would be on my credit report for 7 years at the most. Well a couple years ago I received a schedule I think it was a XXXX C that I had to claim on my taxes from Regional Acceptance that had me to have to count this as part of my income. So I filed the debt on my taxes. Well 7 years would have been XXXX and 10 years would have been XXXX. So why is this showing on my credit report and it is showing activity. It shows that the last payment was made on XXXX/XXXX/XXXX. It also shows delinquent in XXXX, and XXXX. I did not have that car those years. The car was a voluntary repossession in XXXX so how is it reporting payment activities in my name for these years way after I had turned it in. How are they doing this fraudulent activity on my report. This is not acceptable. How many clients are they doing this too? I do not have the account information because it has been that long ago, but what is showing on my credit report is Regional Acceptance Corp # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY REPORT.
Product: Checking or savings account

I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly therea! er. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through XXXX di '' erent customer service representatives who all had di '' erent stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for a letter. 

I submitted a complaint for this and then on XX/XX/XXXX I received a call from XXXX stating they were the fraud department, verified my account and then unlocked it. They assured me I would be able to make a transfer. I then initiated a wire transfer for {$8400.00} from Citibank to my other bank account and I got an email on XX/XX/XXXX that it was denied and they needed additional info. I called on XX/XX/XXXX and spoke to XXXX from customer service who then transferred me to XXXX from the security team. He stated the transfer was denied and I would have to try again. I then initiated the transfer again and again was sent an email on XX/XX/XXXX that it was denied. I called again on XX/XX/XXXX and spoke to XXXX who stated the transfer would be completed by the end of the business day. The transfer still shows as pending. I called today XX/XX/XXXX and spoke with XXXX who kept asking questions to verify my account and then proceeded to tell me she would be disconnecting the call and hung up on me. I have been recording all of my conversations since XX/XX/XXXX with them. I just want to transfer my money and close this account. Dealing with Citibank has been an absolute nightmare! This is theft!