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

I opened a title loan on XX/XX/2018. I was referred by my parents. They had a title loan with the same company previously with no problems. When I went to get my title loan, everything went smoothly. I was told that the printer wasn't working so I couldn't get a copy of my paperwork. This should have been a red flag, but I didn't catch it. My mother was with me and can testify to the fact that I was told this. I've been making my payments regularly. I renewed my loan in XXXX. Once again making regular payments. I've asked twice what my payoff was and both times were told the same number within a few dollars. That's when I suspected something was wrong. I can't make payments for 5 months and make no progress on my loan. Payments made were 200 to 300 dollars every month. This past Monday, I transferred money to my mother so that she could make my payment. I transferred {$200.00}, she took out the cash and made the payments. While she was there, she noticed that there's an app for the Title Loan company. We downloaded the app and checked on my account. This is when I noticed that I was only credited for {$40.00} to my account. When she pulled the receipt from her purse, it was an old receipt reprinted from XXXX showing a {$200.00} payment with a women 's name, when she made the payment to a man. When he gave her the receipt, she only looked to see that my account was credited and that the amount was correct. It was only when we saw that my payment was short did we look at the entire receipt. I realize that this is my word against his but this is the truth of what happened. I don't know how long my account has been skimmed but I want a forensic accounting and my account closed. I would love to file fraud charges against the man and the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member of Sears Card/Citigroup in good standing since XX/XX/XXXX. When my card expired in XX/XX/XXXX, and I didn't receive my replacement card, I called ( XXXX ) XXXX and was told my account had been reviewed and closed due to non-response of a letter Sears Card had mailed. I have lived at my address since XX/XX/XXXX. I may have been a victim of mail theft, but regardless, Sears Card never emailed or phone me about such a letter. They have this information as it appears online on my account. They simply terminated my 17-year history. I followed all of their rules, paid on time and this is my reward. I believe this is unfair and an unjustified reason to close my account and negatively affect my credit score. I would appreciate your investigation to restore my account and credit history with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 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 2 : It also states a consumer reporting agency can not furnish an 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: 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. 

XXXX XXXX XXXX XXXX XXXX  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 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: Mortgage

I had requested a mortgage modification to see if the interest rate could be reduced. That was XX/XX/XXXX. I received a packet from XXXX with all the forms that were necessary. The forms were filled out and returned to J.P.Morgan / Chase using the return envelop that was enclosed. Then XX/XX/XXXX I was informed that the information needed was incomplete and had to re send information by their FAX line. This was done within a week. XX/XX/XXXX comes around and another packet of paper work arrived by XXXX. This was third time I had to fill out paperwork for them. Have not heard a word from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Product: Debt collection

On XX/XX/2018 I received a notification from XXXX XXXX XXXX XXXX that there's an update on my credit. When reviewing it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX was showing ( 4 ) Property Tax bills this was handled in Equitable Distribution Order through the courts in XXXX XXXX. I have not received any documents or notice of this in the mail. I called the number listed XXXX listed on the credit file and a recording gave me another number to call XXXX. They show Account type : Collection Dept. Agency Attorney A lady answered the phone and I questioned her about these bills on my credit she verified my SS # Name and date of birth the last name she had was XXXX my ex-married name. She stated she sent notice to my address listed above I have not received anything or phone calls. She refuse to give me any information about these account she stated there were a problems with the bills and they need to be adjusted to call back next week. She kept trying to rush me off the phone as I was trying to find out what was this for. It appears when XXXX XXXX system got hacked a lot of peoples property tax information got stolen. I contact the deeds office in XXXX XXXX and they stated they have not sent me anything about taxes. 

I did dispute this with XXXX as fraud waiting on the results. These people need to be identified us XXXX XXXX as the original debtor to scam people out of money.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 someone requested a loan from Cashnetusa.com in the amount of {$1500.00} which I didn't requested but my information was used to deposit it into my account. I tried to contact customer support and have them stop the loan but it had already been transferred to my bank account. I was put in poor credit status because of not paying that loan back that I didn't request.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago I had my identity stolen via my mail was stolen and my checking account was hacked. I went to my bank, XXXX XXXX and showed them " payments '' against my checking account for items that are not mine. I went through their fraud department and submitted multiple affidavits that were investigated by the bank and found to be legitimate. They removed the charges and fees from my account and refunded me the funds. All the while and for several years I have been seeing inaccuracies on my credit report and wrong addresses and information. I contact the credit bureaus regularly to remove items from my report and they just don't. They claim that they meet the federal requirements to be accurate and do nothing. I have requested numerous times to have physical proof and documentation sent to me to verify that any account I dispute is actually mine. I never hear anything back. It looks like there are multiple entries for some of the reporting yet that never changes either. The credit I do have is excellent and " exemplary '' status, but the fraudulent ones have destroyed my credit to a XXXX XXXX score. I am at my wits end with this, I have sent letters to the three credit bureaus, no one responds.
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report that I need removed immediately. The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I tried to Mobile deposit a check from my credit union for the amount of XXXX $ I called Chase bank about 4 days later and asked why they were still holding my funds. They told me they were closing my account but could not tell my why.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a payday loan online with speedycash.com and my request was immediately denied, although I work for XXXX XXXX since XXXX, XXXX, have direct deposit and would be able to repay the loan. I simply accepted their decision and today ( XXXX ) I contacted their 800 number at XXXX to request that my personal information such as driver 's license number, social security, banking and debit card, as well as my address to be permanently removed from their site and was advised that none of that information would be shared with third party companies, so they would not be able to delete it. I asked to speak with a supervisor about the deletion of my personal information and was disconnected. I want to report that speedycash.com is refusing to removed customer 's personal information even when those customers do not have a loan with them, so my information is openly available for identity theft and there is nothing I am being able to do to remove it from their site.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding a late payment appearing on my credit report. The late payment is associated with my account at XXXX XXXXXXXX XXXX XXXX and the report number is XXXX. I have taken several steps to rectify this error, but the issue remains unresolved. 

I provided Experian with a letter from XXXX XXXXXXXX XXXX XXXX  clearly stating that the late payment was an error on their part and should be removed from my credit report. I also requested Experian to remove the late payment, attaching the letter from XXXX XXXX XXXXXXXX XXXX  as supporting evidence. However, despite these efforts, Experian did not remove the late payment from my credit report. 

Furthermore, I initiated a dispute with Experian regarding the late payment. However, Experian responded by verifying the late payment, despite the evidence I provided. This has left me deeply concerned about the accuracy and integrity of my credit report. 

I kindly request your intervention in this matter to ensure that my credit report is updated accurately. Attached to this letter, you will find copies of the letter from XXXX XXXX XXXX XXXX, my correspondence with Experian, and any other relevant supporting documentation. 

I urge you to investigate this issue thoroughly and take appropriate action to rectify the error on my credit report. It is essential that the inaccurate late payment entry is removed promptly, as it is negatively impacting my creditworthiness and financial standing. 

I appreciate your attention to this matter and your assistance in resolving this dispute. I look forward to a prompt resolution and the restoration of an accurate credit report. Please keep me informed of any progress or updates regarding this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS USA listed an incorrect creditor or payee, and I hope this is paid properly as of today. 

XX/XX/XXXX is which I was to be paying. 6 months, I was following payment plan procedures and I thought the CCS people were fraudulently trying to collect a closed debt from XXXX XXXX XXXX, as I only knew inform to be the payee/creditor, so I disputed the mismatching information and also contacted inform XXXX directly to pay, who has not gotten back to me after saying someone will call me back.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and LexisNexis is reporting incorrect addresses on public information. XXXX  XXXX is reporting incorrect addresses and not reporting correct information per FCRA. They are reporting inaccurately and should remedy this issue. Information is totally incorrect.
Product: Checking or savings account

I receive notice at the end of XXXX from Navy Federal Credit Union about a credit hold at the end of XXXX, 2025. First appeal was submitted at Navy Federal Credit union in early XXXX - scanned in at a Navy Federal branch, as I thought the first hold was because I was trying to transfer by XXXX and do banking in XXXX. This was not the case supposedly, as I was told no new information has been supplied to release the credit hold - only after calling in to Navy Federal, as I have no access to my account online. 

This same answer of no new information has been supplied, has been the answer after I have supplied new information for XXXX more appeals to release the credit hold on my checking account ending in XXXX. I have appealed the credit hold being removed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX of these appeals have been rejected and the only information I receive verbally back from calling into Navy Federal Credit Union is no new information has been supplied to release the hold. I have asked exactly what is needed and only information supplied is I need to Appeal credit hold, again. To date more than XXXX pages of different information has been supplied, while Navy Federal Security group keeps answering back that no new information has been supplied! As new information was supplied with every appeal!!! 

What information is needed to release my checking account? As I also can not open a new checking account while this hold is in place or take any money out of my account, either. This while Navy Federal is sending me requests for payment of Navy Federal mortgage and car loan, while locking down access to funds at Navy Federal Credit Union. Answer from one Navy Federal representative told me just send money from another account for paying my mortgage and car loan, as if I have an additional {$2500.00} laying around while starting a new company, working with an existing company, and having XXXX payments locked down where I could not even have access to those payments to Navy Federal, either.

There is more than {$15000.00} in my Navy Federal account, money that is needed to bring mortgage and car loan current.
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, CashApp failed to take timely and effective measures to prevent an 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 seek appropriate redress for these violations.
Product: Debt collection

Midland Credit Management is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXX/XX/XXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.
Product: Credit card or prepaid card

On XX/XX/XXXX i made a purchase a product from ebay for {$340.00} with my Capital one credit card and only received 1 side of the shoe i purchased. after several attempts to resolve I reached out to my CC company. The company started a claim and sent me a link via email to submit pictures of what I received, receipt, discussions with the seller, all of which i provided. On the XXXX of XXXX I called in and was sent another link as all my pictures were not recieved. gain I submitted. 
However on Friday XX/XX/XXXX I called to follow up on the case to be advised that my case was closed on XX/XX/XXXX. When I asked why I was advised that a letter was sent to me on XX/XX/XXXX to submit a letter from a third party in the same category on the third party 's letter head 'giving reference on how they would solve my issue ''. I advised that I did not get this letter and asked how long does the letter take to get to me. I was told 7-10 business days. From the date of XX/XX/XXXX when the letter was sent the 10th business day is XX/XX/XXXX. My case was closed on XX/XX/XXXX, which means that even if i had gotten this letter the case was closed even before i could send the info in. 
The company is now refusing to correct this issue, when i advised that i was never told i needed this letter by their reps i was advised that none of the reps left any notes. 

Kindly assist with rectifying this and ensuring that the reps of this company correct note what transpired with customers and also provide accurate information to avoid customers from suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian
Product: Debt collection

I moved out of XXXXXXXX XXXX  in XXXX, Pa in XX/XX/year>. In XXXX XXXXXXXX, the apartment complex refunded my complete security deposit. They didnt report to me any damage that I was responsible for. Again, they refunded every XXXX of my security deposit. Then in XX/XX/year>, I received a letter from National Credit Audit Corporation stating I owed {$2700.00} in damages. I have videos from when I left the apartment. I have attempted to engage with the credit agency to remove the report on my credit report. It continues to be on my report despite proof that I do not owe the money.
Product: Debt collection

AVANTE is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

A check was mailed to me as a refund for my deposit from the XXXX XXXX XXXX XXXX under their asset portfolio labeled as XXXX XXXX XXXX XXXX and was deposited to my bank account. The check was cleared and funds deposited. A few days later my bank account was closed by chase for a reasoning not provided ( even when asked ) and the funds were held to be verified. Chase bank notified me that they had to reach out to the company who issued the check to verify the funds that were sent out to me were actually intended for me but the company has no verified phone number. Ive provided several numbers and made several phone calls to chase on numerous occasions but it was to no avail because each number is not coming up in their system as a verified number even though the number was provided directly from the company XXXX XXXX XXXX XXXX. I even went into the branch to provide a receipt of the check that was given along with a copy of the check. That was also to no avail. Chase has held my funds for 4 months ( $ XXXX ) and counting now providing a significant amount of emotional distress and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX on Experian and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that I have marked inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX credit system