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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 

The disputed items as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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. 

Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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. 


XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX  XXXX XXXX  Account Number XXXX Account Info Account Name XXXX  XXXX XXXX  Account Number XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Unsecured Account Name XXXX  XXXX XXXX  Account Number XXXX Account Type XXXX  Responsibility Individual Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX XXXX Account Number XXXX Account Type Line of Credit XXXX XXXX  XXXX Account Number XXXX Account Type Auto Loan
Product: Debt collection

On XXXX XXXX, my credit report added a collections account for {$100.00} by Stellar Recovery, listing the open date as XXXX XXXX by XXXX XXXX as the original debtor. 

I immediately contacted this company because I have n't had a XXXX account for nearly 3 years. This company is verbally abusive. When I inquired as to what this was for they provided inaccurate information. They advised me this was a prorated balance that was placed on my account as a result of me canceling my services to early. 

When I asked for proof they said they emailed it to me on XXXX and XXXX. I advised that I never received an email or any other documentation. They did not care and demanded I pay the amount. 

I agreed and asked how soon would it take for it to be removed from my credit report. The representative, XXXX XXXX XXXX said it would never be removed from my credit report. 

I have contacted XXXX XXXX. It is confirmed there was a mistake on the cancelation date and that the rep who terminated my services did not put my forwarding address in the account or make any notes like they should have. The balance stated as owed is inaccurate and I have never been provided an opportunity to correct this or pay any amount owed prior to it being placed and adversely effecting my credit report/rating.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXXXX/XX/2024 XXXX XXXX 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.
Product: Payday loan, title loan, or personal loan

I accepted a short term line of credit for auto repairs offer by the company DigniFi. The loan was as for approximately XXXX dollars and I began paying it off in monthly installments of XXXX dollars ( setup with the companys auto-pay option. ) Because of an error on my part, my final payment of XXXX dollars was declined by my bank due to insufficient funds. However, I noticed my mistake immediately moved money into the anccount, and reached out to the company the same day to correct the issue. A representative of the company informed me that they would not accept another payment from me at that time until the previous payment attempt ( which I informed them had already been decided ) had processed. 

I called them back 2 more times over the course of the next approximately 10 days in further attempts to make the final payment with the same result. The 3rd time I called, I actually received another automated payment request from Dignifi within 20 minutes of ending the call where a dignifi employee had just informed me for a 3rd time that they would not accept a payment from me in any form. 

Following this, I emailed the company the below message to the contact email address posted on their website ( XXXX ) Subject : 4th attempt to make payment To whom it may concern : I am specifically instructing your company to stop harassing me with automated emails regarding my account with dignifi. 

I have personally contacted your telephone support center on 3 occasions over the last 2 weeks in an attempt to pay off the remaining balance of my account and have been told by two separate supervisors in that center that they either would not or could not accept a payment from me regardless of the method.

You may not harass me for payment and then refuse to accept that payment when I attempt to make it. 

When your company is ready and able to accept my payment on this account please reply to this email or contact me at XXXX XXXX XXXX XXXX This week I am available between the hours of XXXX and XXXX Monday through Friday. I will not waste my time with more futile attempts at calling in and resolving this issue again until I hear from a representative of your company who is authorized to accept a payment. 


Regards, ( XXXX ) Following the above communication, I contacted the company at the same email address two more times and have not yet received a response or separate communication by phone or email. However, I continue to receive payment request messages regularly.
Product: Debt collection

Apparently there was a XXXX bill opened in my name and SSN and had been paid by someone other than me. I am not responsible for this debt. I have never gave a wet signature on any document with XXXX or credit management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the Equifax breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Product: Money transfer, virtual currency, or money service

Cash App is the corporation in question. Using the service on Saturday at XXXXXXXX XXXX, I sent my son {$50.00}, to his account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The transaction Successfully went through. 
case # XXXX However, the account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), is " Supposedly '' " Suspended '' and Unbeknownst to myself. So, as I asked Cash App 's support team, what happens to my money. 
The had the Audacity to inform me that Cash App 's do not Issue Refunds. To my Horror, I find out that. Not Only had Cash App Allowed this transaction to go through, but they had also taken my son 's paycheck in much the same way. 

I want my Funds Returned to the sending account, Not EXCUSES as to Why Cash App gets to Keep my Money for Services NOT Provided.
Product: Debt collection

On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX store credit card that is issued and managed by CapitalOne. I have receiving alerts ( nightly ) for months which state that I have been locked out of my account, when I have made no attempt to log in. I have spoken to XXXX XXXX XXXX representatives who have passed me onto CapitalOne. I have spoken to CapitalOne representatives who have advised me NOT to log into my account while they attempt to resolve the issue. It has been an on-going issue for several months and it has not been resolved. I have been promised call-backs and have not received any calls back. I was advised that they were going to have their IT Dept delete my user ID ( aka " scrub '' by account ) in order to resolve the issue but that has not been done. I am very fearful that someone is attempting to hack into my account and will ( or may already ) have accessed personal security information which puts by identity at risk. CapitalOne has been given ample time to resolve this issue and has failed to protect my identity or properly service this complaint. I am now turning to US authorities for assistance.
Product: Debt collection

THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX  first payment was due on XX/XX/XXXX ". 

I attached proof that Experian credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or Experian CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from XXXX XXXX & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the EXPERIAN CRA or XXXX XXXX or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To Experian & XXXX XXXX this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.
Product: Mortgage

To Whom It May Concern, I applied for forbearance in XX/XX/XXXX due to the Corona Virus shutdown. 
My lender, Citadel Servicing Corporation has been challenging to work with. 
Every month I have to beg to make my monthly payment, as my over {$50000.00} in past due payments have not been deferred due to a change in servicers within the Citadel Servicing Corporation in XXXX. 
I had been reported late to the credit agencies which I was able to get removed after months of negotiating with Citadel. However, the credit reporting suppression is on a month-to-month basis and every single month I worry that they will deny my request for the coming payment period. 
It is of immense importance that my outstanding credit stays intact as I am tirelessly trying to refinance my loan so I can move on from this horrible situation. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. 
The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. 
My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. 
My lender, Citadel Servicing Corporation has not signed up for the program and I have kindly asked their representative to forward a written message from the California Mortgage Relief Program to upper management in order to consider joining this amazing supportive initiative for struggling homeowners like me. 
Please help me reach Citadels higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion & XXXX is reporting DEROGATORY which is inaccurate the following XXXX XXXXXXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with Transunion & XXXX multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( Transunion ) Account No. XXXX XXXX {$560.00} ( XXXX ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spent 2 yrs cleaning up my credit report. On or about XX/XX/20 my transunion score dropped 81 points. The changes were my balances decreased by {$45.00}. My utilization went from 18 % to 4 % ..I have serial messages sent to transunion with no explanation whatsoever. They finally sent me a message saying my employment was updated. From my research your employment has nothing to do with your score. This has happened before with XXXX. My score dropped 101 points with no changes at all. Several people I've seen online are having the same problem.what doesn't make sense is it took me forever to get my score over 630-640. When I finally did. That's when they hit me with the drop.
Product: Mortgage

I applied for a HAMP modification and was told the package submitted was complete on    XXXX   XXXX   XXXX  . I ap plied because my husband had died and I needed to get the HAMP modification. I have proof that all information requested was provided via email and fax and can provide that proof.   On  XXXX / XXXX / XXXX  there was a request from the bank for a lease rental agreement or Schedule  E and  ( which was sent in as part of the ta xes ) proof of income, both pay and profit and loss and verification of SS income. This had all be en sent in with the original package. I have proof of that.   On   XXXX   I was told that the following documents were needed  : 1 ) business tax return ( which was submitted ) with form  XXXX  and Schedule  XXXX  which was part of the return.     US Ban k claimed they did n't have it but it was submitte d. 2 ) paystubs. All proof of income was provided to US Bank including my salary, my profit and loss as a music teacher and my SS awards. US Bank referred to {$71000 .00} which was on the  XXXX  tax returns. I explained this was when my husband was alive and had no bearing on the income I earned since his death. I had provided his death certificate with the initial submission in  XXXX   XXXX .     The underwriter again asked for proof of the {$71000.00} earned by my husband. All items had been sent more than once and I have proof of them being sent.     This is now my   3rd complaint. The reason being that US Bank continually sending me patronizing responses saying they have not received items I have sent and they must be held accountable. They have thrown me out of the HAMP program I applied for, the one that would help me the most.
We will be happy to provide all corroborating documents. The file provided to the bank is massive and too large to upload.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I had a decrease in finances the last 2 months. I was not able to pay Capital one in XXXX and XX/XX/XXXX because my husband was sick and income was lost. Capital One has refused to refused to waive late fees for XXXX and XX/XX/XXXX after they CLOSED my accounts on XX/XX/XXXX and REFUSED to accept the approval of an ACTIVE DEBT MANAGEMENT PLAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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.