23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a payday loan a few weeks ago for the amount of {$1500.00}. 

I was told that if I pay off the loan then whatever the CSO fee balance would have been would be eliminated. I was told this twice on the phone by a customer service representative before I even applied for the loan. 

I paid off the loan today - the website along with a customer service representative 's confirmation indicated that the balance was approximately {$1400.00} if I wanted to pay the loan entirely off. I paid this entire balance off. However, once I did this, the place on the website where it showed that all I had to do was pay this to pay off the loan was no longer showing this. Furthermore, there is another place on the website where the balance is in the 2,000 's still showing the balance with the CSO fees. They also still have the same remaining payments scheduled from my account that were scheduled before I made this payment. 

It is unclear what the payday loan company is trying to do. I feel like they are trying to collect more than what they promised. I have attached evidence of where it states that all I had to was pay {$1400.00} to pay the loan in addition to a record of a payment for this same approximate amount. Furthermore, I have attached the page showing the higher incorrect balance. They are trying to intentionally confuse me so they can collect a higher amount - this is how it feels like. All I want to do is move forward and not pay more than we agreed on. This is worse than if a thief broke into my home.
Product: Money transfer, virtual currency, or money service

" I am filing a complaint against Cash App XXXX Block Inc ) due to poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to act quickly and effectively to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to meet the error resolution standards under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These issues have caused considerable inconvenience and financial loss, and I am seeking appropriate compensation for these violations. ''
Product: Credit reporting or other personal consumer reports

I made a dispute on asking the company to send me evidence of the investigation and when it started, and they replied back and said that they was nothing that they could change on my credit report or remove
Product: Mortgage

XXXX and his active military daughter completed a modification request with Well Fargo in XXXX of XXXX giving their full and complete SSN 's. 
XXXX believed his home was lost to a foreclosure that was completed in XX/XX/XXXX. 
XXXX believed he was being allowed to " re-purchase '' the property in early XXXX, giving no party any SSN 's and having no credit report run. 
A hard money loan was acquired through XXXX XXXX XXXX ( owners moved to FL and now reside there ) for what XXXX believed was a " purchase '' loan to re-purchase hi foreclosed upon property. 
What actually happened was : Wells Fargo, XXXX XXXX of XXXX XXXX, and XXXX XXXX XXXX ( attorney ) : Coerced XXXX XXXX into signing ( what was identified to him as ) a " purchase '' transaction ( after his XXXX foreclosure was completed in XX/XX/XXXX ) that was later identified as a non-owner occupied transaction making XXXX believe this transaction was completed with his name and SSN. It was discovered upon the submission of the non-military affidavit in relation to a foreclosure filed against XXXX XXXX  property, the account was actually in a created identity with XXXX name and his daughter 's XXXX. 
The the " purchase '' was later identified in bankruptcy filings by who XXXX believed to be the " XXXX '' as a non-owner occupied transaction, and a transaction that sent monies to the " foreclosing lender '' ( Wells Fargo )
Product: Credit reporting or other personal consumer reports

Companies are reporting accounts when I have never had any business with the companies. 

XXXX XXXXXXXX XXXX has never made contact with me regarding any accounts, nor have I ever had any accounts with them. I am requesting they provide me with detailed information showing I have had any account with the company. If they fail to do so, I am requesting they remove all reported accounts on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finished my loan installment with self lender/lead bank in XXXX of XXXX.I never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.
Product: Money transfer, virtual currency, or money service

I had been in XXXX and the next day I realized that {$4500.00} had been moved out of my PayPal account and sent to another account
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX  ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXXXXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX.

Statement of Violation : Bank XXXX XXXX, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXXXXXX on XX/XX/year>, and an unequivocal email notification dated XX/XX/year>, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies.

Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I created a SoFi bank account earlier this year and had some friends transfer money to me for personal reasons. Because my friends transferred in the money, SoFi thought that the account belonged to those people, which is not true. The account belongs only to me. They restricted my account for violating their terms since I had multiple account owners, and they are in the process of closing the account. I dont agree with the reason for closing the account, but Im fine with it as long as I can get my money back. However as of today ( XX/XX/year> ) have said I am not entitled to the funds. They will not provide me the reason for why I am not entitled to the funds and theres nothing I can do to get it back. I would like help getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX
Product: Mortgage

A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX for a copy of the court document. 

The XXXX XXXX XXXX in the amount of {$150000.00} and JCMCB Home Lending in the amount of {$28000.00} are outstanding debts related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX XXXX  OR put the marital home up for sale. 
According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe XXXX XXXX XXXX and JCMCB Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without mi signature and still hold me financially responsible. 

I hereby dispute both accounts as she has modified both loans in her name as single and unmarried AND it is still reporting on my credit as XXXX XXXX is currently in contempt of court for failing to remove me from the mortgages or dispose of the property in a timely manner. Both lenders, having knowledge of the final judgement based on the loan modification, are still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loans instead of refinancing them. The banks had the opportunity to refinance or let her assume the mortgages based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 card

Barclays credit card dropped my XXXX XXXX dollar limit to {$1000.00} with XXXX warning. They allegedly sent a letter XX/XX/year>. 

They wont increase my limit back and they lowered it for high utilization even though I just made a {$1600.00} payment and have always made payments on time. As well as making large payments at a time. I always pay more than my minimum payment, etc.

This has negatively impacted my credit score and would have put me over my limit by {$1600.00} if they had done this when it was being utilized.
Product: Debt collection

After giving XXXX cease and desist orders, XXXX verbal and XXXX written sent by certified mail, they continue to contact me and sent me another pre-legal notice. I had told them that this is not my debt multiple times and that I am in a hardship and am not able to pay. I have researched this company and they have a very checkered past. I had requested them multiple times to get this off of my credit report. This supposed debt was supposedly charged off in XXXX. I have never had a XXXX XXXX Credit Card and I have no intention to pay a debt I do not owe. I would like them to cease and desist once and for all. I have also warned them that if they go ahead and sue me, I will file a complaint against their attorney with the proper disciplinary authorities to get attorneys suspended in the State of Indiana. I also plan to contact Indiana 's Secretary of State to pull their articles of incorporation in Indiana and to Indiana State Attorney General, XXXX XXXX, if they do not cease and desist. I feel it's that the CFPB start take action against this shady company and to leave me alone.
Product: Credit reporting or other personal consumer reports

Past XXXX years I have had I have had problems with my My credit report, unable to establish credit being denied due to incorrect information. I have advised these counsel does not belong to me. These are incorrect. Which I was advised on the credit report, it falls under the fair credit reporting at I am a veteran of the United States XXXX XXXX and unable to receive credit I have made on times payments These accounts are still reporting in correct something needs to be done regarding this situation has been happening to now XXXX years. The XXXX XXXX range has to be XXXX as a veteran. My XXXX XXXX is XXXX with attaching devices Exsperian boost Other recording devices Being XXXX XXXX XXXX, after being a veteran, I will was employed by the veteran affairs for the government who also works for veterans affairs to help all veterans disable in need. I have an attach different companies who names and documents are reporting in accurately. These accounts does not belong to me. I requested history from these companies and only information they pull from credit bureau departments? Company names collections .XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names showin doesn't belong these are not mine accounts. COMPANIES XXXX XXXX XXXX XXXX. I HAD OVER XXXX XXXX ATTACHED DOCUMENTS PROOF these accounts never late paid on time. Once was reporting correctly notice huge change.LETTERS PRINT OUT. XXXX provided. Showing no late payments. ACCOUNT XXXX XXXX XXXXE. SOMEONE change my credit report without me being contacted .THIS ACCOUNT was paid OFF SETTLEMENT before Originally agree date notice charge credit reporting XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There should be only be XXXX addresses on my report and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The correct spelling for my name is XXXX XXXX XXXX XXXX XXXX XXXX Anything spelled any other way is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I signed up to get my full report for {$1.00}. Unbeknownst to me it was through Experian and only gave my Experian report which was a total waste. Now Experian has locked me out of my account until I pay XXXX for a service I do not want nor signed up for. I have tried resetting my password and answering their security questions which they can never keep right and I have to constantly call and get them to fix them which I am wondering if they really do.
Product: Credit card or prepaid card

I have to ask Discover to send proof of the account being opening by me and it's now 90 days all they will send is a letter full of accusation and a signed application or electronica application with IP address information. This is a violation of the Fair Debt Collection Practice Act. I am asking for proof of debt no a statement or letter of accusation. I am will take an Affidavit sworn by Discover that this account is mind.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from XXXX that a line of credit has been open and is deliquiate from FNBO which I do not do business with. I contacted XXXX and they requested that I submit a complaint through the FTC
Product: Checking or savings account

XX/XX/2022 I tried to cash a check at Truist Bank in XXXX, XXXX. It was made out to myself and my mother XXXX XXXX for services we did not use ( oil changes refund that was financed in with the car ). The lender company, XXXX issued a refund check in both our names. The bank is refusing to deposit in to my checking account.
Product: Debt collection

I informed the company that I have never received any type of credit in this amount in my entire life so this debt is absolutely not mine. I only received an acknowledgment of my complaint and it continues to be on my credit report and verified as accurate when there is no way this could be accurate because Ive never received credit in such a large amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave experian consent to create.
Product: Credit reporting or other personal consumer reports

I requested the purchase agreement for this debt and they could not relinquish it
Product: Debt collection

I am receiving repeated calls from a company named High Point Asset stating that I owe a debt to payday Lian companies called XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told on yesterday when I talked to XXXX XXXX that when you take out payday loans online and when it does not clear your bank you owe the original company as well as the lender they used. Unheard of. I have done online payday loans, but they have been paid back. I do not owe these bogus companies. I even asked for letters and they even sent me a supposedly validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 USC 1681 by furnishing my consumer report without permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is  reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX  XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer.

Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, Equifax  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint reporting this, I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for XXXX and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. 
Please remove this account from my credit file. 
I am requesting these information to be block from my credit report a in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

Assistance regarding inaccurate reporting on my credit report related to my account with XXXX. 

I have contacted both the credit bureaus and XXXX about this issue. The bureaus indicated that they conducted an investigation but ultimately verified the information as accurate. However, it is impossible for an account to be reported as both paid and derogatory at the same time. 

Given this conflicting reporting, I kindly request that you review my case and assist in the removal of this inaccurate information from my credit report. Maintaining an accurate credit profile is vital, especially for someone in my position, and I appreciate your attention to this matter. 

Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau XXXX XXXX XXXX XXXX XXXX Account Status : Transferred Closed Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX : {$1300.00} {$1300.00} {$2500.00} Credit Limit : {$2500.00} {$2500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Purchased by another lender Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CAPITAL ONE BANK USA add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and information were used fraudulently with Comenity Bank the account was opened on XX/XX/2018.