23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This notice is to inform you theirs been unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that XXXX, XXXX, Experian did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries : Expect as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record or inquiries in connection with credit or insurance transaction that is not initiated by a consumer. The following Potentially Negative are result of identity theft are : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX. DELETE immediately! I tried to have all three Credit agencies to delete these erroneous accounts but was refused and told that they were Verified and Accurate. This a BOLD LIE XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX
Product: Payday loan, title loan, or personal loan

I get a loan since XX/XX/XXXX with of amount of {$2800.00}, I already make XXXX payments of XXXX and I still owe them {$2000.00}. 
I spoke with some one on XXXX, this person tell me that they charge the first year the interest ahead because after a year make making payment of XXXX every XXXX weeks the balance still remaining the same.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine not my loan XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6500.00} Balance updated XX/XX/XXXX not my cc XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX was never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX not my address 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my phone numbers XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Debt collection

Someone used my information to lease a property at XXXX XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, CA XXXX and potentially XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, CA XXXX. I was alerted to an outstanding amount of {$30000.00} in my name that was sent to collections when I had my credit pulled for a mortgage application on XX/XX/year>. I called the collections agency ( COLUMBIA DEBT RECOVERY XXXX DBA GENESIS ) and they provided me with instructions to dispute the account.
Product: Debt collection

I am not in arrears with this account with XXXX. This is a scam, and they do not even have the right account number
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 proce 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations
Product: Vehicle loan or lease

On r about XX/XX/year> I went to clay cooley XXXX to purchase a vehicle while waiting I noticed my credit had been used but XXXX XXXX different financing institutions r leanders without my consent an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX  XXXX .... & XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

ON XX/XX/2020, I began an Application for XXXX XXXX XXXX with SPS Servicing. The covid situation prompted this. My income was being affected by the covid19 quarantine, and I thought it would be wise to apply for the assistant. They requested bank statements, unemployment documents, profit-loss statements, and tax returns. I supplied them with all the requested documentation within the allocated time period, and they came back, asking for more documentation. Based on my tax returns, they wanted 2 completely separate profit and loss statements. I provided them with an additional statement. They told me they needed updated unemployment documentation, I sent them the updated documentation, and they told me it wasn't what they needed. They wanted something that shows when my unemployment would end, so I got them an old document that shows when my unemployment would end. They accepted it. Then they came back and said that they needed a new profit loss statement because it had been a few months since I submitted the first one, and they needed updated statements. I submitted new statements. Then they said my statements showed I had personal expenses on the profit loss statement. I didn't have personal expenses at all, so I called to clear that up. They accepted the document as is. Now it's XXXX, and I'm beyond frustrated. I asked to speak with a supervisor. I told her XXXX XXXX XXXX that I would file a complaint. She listened to my grievances and assured me the issue had been resolved. A few days later, they called again, asking for more documents that I had already submitted. I told them I had already uploaded the documents, and they said I was fine. A week later, they called again, saying they needed more bank statements because they showed lump sum payments from unemployment that didn't match the weekly payments that were on my benefits document. I told them, no, of course, the amounts are different because I'm getting back pay in lump sums. Next week will be XX/XX/XXXX, nearly 4 months since I started this process, and I'm no closer to getting an acceptance or denial. They keep asking for the same documentation in different ways, or sometimes they are asking for updated documents that I've already submitted because so much time has passed. Meanwhile, the clock is ticking, and soon I'll have to send brand new documents all over again. I have expressed my frustration several times. I have requested they tell me everything I need and they refuse. They keep dragging the process out. I need these issues resolved.
Product: Credit reporting or other personal consumer reports

XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not adequately notifying consumers of dispute outcomes. These issues reflect my own experience, where XXXX has neither corrected nor removed the disputed information. XXXX XXXX and XXXX are the accounts unauthorized and inaccurate.
Product: Student loan

This is in regards to the recent claims against Navient. I have had horrible experiences with the loan provider since finishing my XXXX in XX/XX/2013. They constantly try to tell me to pay more on my loans. I work for a non profit and make just enough to get by. On multiple occasions they have gone through my finances and said I would have enough to pay a higher rate. I sobbed and sobbed to them and after going through different avenues I had to fight for a rate that was somewhat manageable. It was to the point that I would n't have any money in savings and when I said do you want me to lose my home the man was inappropriate and laughed. This is n't the first time I have had horrible experience with the customer service agents there. They often laugh when I cried on the phone, disrespected me, and violated my privacy insisting they needed to know a complete breakdown of my expenses and said bases in my pay check, which is already little, I could pay a certain amount. They constantly tell me that their extremely high interest rates are normal and nothing can be done. I ca n't make a dent in the loans because of the interest rate. Hope this helps others experiencing the challenges with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian XXXX credit report. My XXXX XXXX dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.
Product: Debt collection

I sent CCI a letter asking for debt validation 2 months ago and did not receive a response. I then sent an additional letter asking for debt validation and I received a notice back just stating what I owe and a breakdown of a bill. I did not receive a letter or statement with my signature on it creating the debt even though that is what I requested. Two weeks later I received a letter stating that they do not handle the XXXX XXXX account anymore and that I need to reach out to XXXX XXXX! Even though they are reporting on my credit that I owe a debt to them! I sent a letter politely asking for them to remove their remarks with all 3 credit bureaus since I no longer owe them a debt and because they cane verify that I owe them a debt. I have not heard back from them regarding this matter and according to the Fair Credit Reporting Act I am well within my legal rights to request validation and if it can not be provided to me than they must stop reporting this debt the the credit bureaus. This collection agency is preventing me and my family from buying a home and living a comfortable life which I do not see is fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Carhop hard inquiry I do not recognized on XX/XX/XXXX, removal date XX/XX/XXXX.
Product: Vehicle loan or lease

After having to leave the state of Colorado due to medical issues, my FMLA has denied and I found myself struggling to cover expenses. I called the car company and asked them to please come and pick up the car due to the financial issues. The representative whom had been very pleasant any other time that I had dealt with her, starting getting very loud and attempting to explain to me that they are not in the business of just picking up vehicles and I that I just need to find someone to borrow the money from. She continued to berate me to the point that I just had to hang up. After a month of multiple daily phone calls and continued threatening messages they finally scheduled a pick up of the vehicle. It has been a month and a half since they picked up the car and they are still calling multiple times each day, including Saturdays. I asked them to please stop harassing me that it wasn't helping the situation to be told that they would just continue to call until I gave them their money. 
I get calls all day long from several different individuals. I haven't had the vehicle in almost two months and they will not sell the vehicle so I can settle the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX  when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. 
I have submitted several disputes to Transunion regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
XXXX XXXX still reports the original balance and report late payment every month
Product: Vehicle loan or lease

In XX/XX/2021 I made an agreement to pay {$100.00} per month for my account. Since that time I have been paying {$100.00} biweekly, which is more than I agreed. This company is reporting that the account is behind which is causing derogative marks on my credit. I have not missed a payment arrangement and I have been making more than requested.
Product: Credit reporting or other personal consumer reports

recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am entitled to a reimbursement of {$640.00} that was paid to XXXX Univeristy by my employer, the XXXX XXXX XXXX. XXXX received the credit voucher in XX/XX/2019. The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX  Integration on XXXX XX/XX/2019. I contacted Heartland XXXX   Integration today, XXXX XX/XX/2019, asking when they would release the money, and was told two different dates, the first date was they will process it on XX/XX/2019 then approve it on XX/XX/2019, and the second person said they might process it on XX/XX/2019, and maybe approve on it XX/XX/2019. This is ridiculous, I requested they release the fund today, and they stated NO. I need this money, and it should be illegal for any company to hold money that is legally not theirs for any length of time as an attempt earn interest on money that does not belong to them. I am requesting you investigate this company for holding money as an effort to generate interest at the expense of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully graduated in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called XXXX, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while XXXX  states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called XXXX and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called XXXX. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the XXXX XXXX XXXX XXXX is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting
Product: Money transfer, virtual currency, or money service

A friend send me XXXX then send XXXX more I try to transfer the money to my bank but Venmo cancel my request then 2 days later they send me a email saying my account was deactivated. I email them back in said what is going on with my money they told me a email to not contact them anymore. I then try to call a supervisor at Venmo. I then call my friend who send me the XXXX to call Venmo to file a complaint about the money he did that. Then someone email me from Venmo in said I can not get any money until 180 days. I have email and message from Venmo and my friend who send me the money thanks.
Product: Credit reporting or other personal consumer reports

On XXXX an account for a credit card from XXXX  XXXX XXXX was opened using my name and social security number. The balance on the card is {$560.00}. I did not open this account and have not banked with XXXX for over 20 years. I live in Idaho and I believe this account was opened in Arizona, were I previously lived. I have contacted the credit bureaus and they are saying that this is my account. I have not opened this account. I would like this to be removed from my credit history. I am trying to refinance my vehicle and I can not with this on my credit report. Please let mr know if you need anything else from me. 
Thank you.
Product: Debt collection

My data was breached in 2017 from an XXXX data breach and my identity was taken electronically somebody must have file for XXXX XXXX. That I never received or signed for as were my emails hacked into and credit card info all the while my wife was working a job for XXXX as a XXXX for thXXXX XXXX XXXX XXXX  our data is stolen. I never had XXXX XXXX on the dates this company has stated and they will not remove this from my credit file after I disputed these facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct Number XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a XXXX deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you
Product: Checking or savings account

I sent 2 different transactions from a different account that was in my girlfriends name ACH transfer they went though fine I made a few purchases thought out the weeks one day went to withdraw what was left to make a large purchase the teller at Wells Fargo branch in XXXX on XXXX XXXX XXXX counting me the money before she finishes her higher up Im guessing manager walks up stops her and they go to the back I assume to discuss this when the teller comes back and tells me sorry she cant help me I leave moments later the account is closed and the funds are gone. I called multiple times always giving the answer that a decision was made and within 60 days I would recieve payment in the mail but that was XX/XX/year> and I still havent got my money {$7200.00}
Product: Debt collection

This account was opened on XXXX XXXX XXXX. It has a balance of {$3400.00}. This I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt is fraudulent and not accurate.