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

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies Experian, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the victims of Equifax who 's information was potentially stolen in their security breach.
Product: Debt collection

On XXXX XXXX, 2011 the Kohn Law Firm S.C of XXXX, WI on behalf of XXXX XXXX XXXX, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and XXXX have had complaint and action take against them in last year about how they handle debt collection.
Product: Credit card

I disputed a charge XXXX in the amount of XXXX and mailed proof of the dispute. I received a letter stating that XXXX sent them a response and so I provided more docs. They, meaning Chase, told me they never got the information, and in doing, so did not refund me of my XXXX charge from these scammers.
Product: Student loan

I had requested a refund on payments made from XXXX to XXXX while the payments were on pause. They stated that it would process through within a few months. I had called multiple times from XXXX to XXXX inquiring about the location of a $ XXXX check that they said would be sent through mail via IRS XXXX No check was ever received. I called throughout. The beginning of XXXX ( XXXX through XXXX ) for information of the check location and they stated it was mailed out. I informed them I did not receive it and they said okay we can cancel the first check and send a new one, it will just take a little longer. I agreed and called a few more times inquiring about the status of the refund and they stated it was still processing. I call again XX/XX/XXXX and am finally informed that the check was mailed and cashed out XX/XX/XXXX and they would not be re-sending a new check. That I would need to file a police report for fraud. Why in all the months I've contacted and emailed nelnet was I not informed sooner of this issue? $ XXXX is a lot of money during this economy and it's infuriating that that amount can be unaccounted for for such a long period of time and I was not informed much sooner.
Product: Credit card or prepaid card

Bank of America gave me a incorrect exchange rate ( in the bank 's favor ) for at least five transactions that I made in XXXX during a three-week trip in XXXX this year with my US BOA card. 

I know that the exchange rate was wrong because the BOA representative told me that exchange rates are handled by Visa and a Visa representative checked the rate for me. But the Visa representative said that to get a refund, I needed to go back to BOA. When I sent back to BOA, I was told that I needed to use an online process for reporting the error. 

The representative knew that I wanted to dispute every single transaction in a month of travel, since my suspicion was that if two charges checked at random were wrong, all of them might be. However, when I tried using the online process, I discovered after disputing the first three of my transactions, I was directed to call customer support. I called again and they said that they could not resolve the problem. 

They could not explain why I had been overcharged and suggested several incorrect reasons. ( One was that the rate is not the date of the transaction but the date of settlement, but I determined that this is not the problem by confirming with the agent what the rate for the date of settlement was ; the agent suggested that I was confused because there is a transaction fee of 1 %. this was also not the problem because the 1 % fee is a separate line item on the bill. finally the agent suggested that I was not taking into account a possible value added tax. This was also not an explanation because I have a copy of the exact amount in XX/XX/XXXXcurrency that the merchant charged the credit card. If there was any taxes, it would have been included already in this number. ) The agent sent me to a manager who told me that there was no remedy other than making a complaint to the Consumer Financial Protection Bureau, which is what I'm doing. I realize that it might be possible for me to dispute three more transactions as I did before, after some cooling off period ( but I don't know how long that would be ) and then three more and so on until I have disputed all of the approximately two dozen transactions. But there should be a better way. I have received refunds for the three transactions that I disputed ( I entered the transactions to dispute in chronological order ; these did not include the two transactions that the Visa representative previously confirmed were incorrect ; I expected I would get to them in order, but they were later in my trip, so I have not yet disputed them ). I would like BOA to recalculate every transcation I made during this trip ( which was in XXXX ). If, as I suspect given what I've learned, all or most of the charges are incorrect, I'd like them to recalculate transactions for earlier travel ( such as a three-week trip to XXXX last XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have two unortherized inquiries on my Transunion credit report i need help with removing soon as possible by law 15 usc i have the right to get those inquiries removed. The two unortherized inquiries on my Transunion credit report are from XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX has shared my information to midland mcm without proper consent
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX, and I am writing to formally dispute an account reported on my credit report. The account in question is with XXXX XXXX XXXX, and I am concerned about its legitimacy. Below, I have outlined my dispute : Dispute Statement : I am not aware of this account or if I ever signed up for it. I contacted XXXX XXXX XXXX, but they have not provided me with any evidence confirming whether I personally opened this account. Therefore, I would like to dispute this matter due to the lack of identification verification in the opening of the account. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. Additionally, as mandated by the Truth in Lending Act ( TILA ), creditors are required to verify a consumers identity and obtain consent before opening an account. Due to the absence of such verification, this account does not seem to be attributable to me. 

Action Requested : I am requesting that you : 1. Immediately investigate this matter in compliance with the FCRA.

2. Provide me with all documentation related to the opening of this account, including but not limited to any signed application forms or identification used during the account opening.

3. Correct or remove this account from my credit report if verification can not be confirmed.

I appreciate your attention and look forward to your prompt response. Please let me know if additional information is required for your investigation. As stipulated by federal law, I expect a written response from you within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( s ) dropping " 60+ '' credit score drop across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion due to incorrect credit reporting, by Select XXXX XXXX XXXX You have been provided proof Select Portfolio XXXX XXXX has corrected & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX credit score ( s ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of XXXX  ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all 3 credit bureaus : XXXX, XXXX, and TransUnion. The corrective actions by your agency should result in XXXX XXXX credit score ( s ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

On or about XXXX or XX/XX/XXXX I rented a musical instrument for my daughter at local music store called XXXX XXXX XXXX. I returned the instrument in XX/XX/XXXX. I have the return receipt. At the end of XX/XX/XXXX I discovered that a collection agency had placed a collection account on my credit for about {$1700.00}, the original creditor is listed as XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX and they acknowledged my receipt for returning the instrument but state there is nothing they can do to help me and that I needed to contact the collection agency. They provided the name of the agency as XXXX and provided a toll free number. I had to search the internet to locate the company. 

My complaint is that XXXX XXXX XXXX has the instrument and did not credit my account for the return of the instrument and provided incorrect information to a collection agency. XXXX XXXX XXXX has the instrument and yet they have apparently reported to the collection agency that I owe for the cost of the instrument. Secondly I was never contacted by the collection agency and did not have the opportunity to dispute this debt. Errant information has been placed on my credit profile causing my credit score to drop precipitously causing me harm. 

Fair debt collections practices were not followed.
Product: Debt collection

I received a credit alert from a VANCE and HUFFMAN , llc. on my credit report with XXXX XXXX wit a XXXX XXXX collection account. I have no knowledge or any attempt from this company. The time is suspect as the debt is showing on my record to reman until XXXX  which is 2 years away. This debt is possible out of the time line and I have asked to show my contractual original debt information. 

There seems to be a racketeer with Debt agencies and credit reporting companies. Once they notice individuals/consumers are trying to affix and maintain their improved credit records, they locate some old debt and try to harm the individual. The credit bureaus seem to be in the loop as well. Times have brought out those that profit and prosper on other 's misfortunes. ( as some have had medical, layoffs and other unfortunates that keep one in perpetual free fall in financial restraint ). 

ISSUE I was never given a chance to discuss, discover or otherwise on this debt with the collection agency, before it is placed on my credit. The debt agencies are suppose to give you notice and time, not just stick on your credit. No dates or time line given. It shows up as Derogatory on XXXX. I haven't had a chance to make any type of action. This is the first I have heard of the aforementioned agency. 

This is an attempt to create a new debt, that isn't! This is wrong and so PREDATORY OF CREDIT AGENCIES, SPECIFICALLY THE AFOREMENTIONED HUFFMAN & LLC.. IF I SPOKE TO THEM, I WOULD HAVE REQUESTED TO PROVIDE VERIFICATIO OF DEBT AND ACTED ACCORDINGLY with regards to my credit.
Product: Debt collection

I received a voicemail stating that a process service was attempting to serve me for a Notice to Appear. They left a phone number for me to call back to schedule the process server. If I did n't the case would proceed without me. XXXX XXXX XXXX or XXXX XXXX ( I called multiple times, it kept changing ) answered. I gave them the number that was left onmessage. XXXX and I scheduled a time. I asked him what this was in regards too. Thinking I was talking to a process server scheduler. At no time was I told this was a debt collector. He tells me it is for a tax refund offset that they filed for. He then proceeds to tell me I can settle and avoid the hearing. I am frantic at this moment, busy at work and not wanting a process server to come to my job. After he again told me that I was being given a notice to appear ( also on VM ) I make an offer. I still did n't know what this loan was or if I even owned jt. I was given very little information. I was scared. He tells me to make an offer. I was again thinking I was being sued. So I made an offer. I called back, sign contract and gave payment information for {$730.00}. The contract comes over from Bayview collection agency. I have NEVER heard of them. I then proceeded to look up informatiom on them and I got very bad reviews. I then called out Magistrates office and they said there is no lawsuit. I then call XXXX back. He hung up when I asked who he worked for. I called again and left a message and asked for a letter of validation and that I had concerns about the legality of their methods. No response. I do n't know this company, I never received information from them. I have no Debt on my credit report for this acct.
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 Account # XXXX. 
XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # 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
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I have made wire transfer of {$2400.00} for apartment rental, which I found on XXXX. Within 3 hours I realized that it was a fraud and notified Bank of America to cancel wire transfer. Since recipient account was also in Bank of America the bank had full control over money and power to investigate. So I thought. A week later and several phone conversations with BoA financial claims department ( claim XXXX ) I have received official response letter suggesting to " contact the other party for further assistance ''. To contact fraudsters " for further assistance ''??! I have complained to BoA Escalations ( case number XXXX ) whose response on XX/XX/XXXX was simply a phone number of claims department again! Finally on XX/XX/XXXX I was contacted by BoA senior investigator Mr XXXX XXXX whom I've provided all pertinent information about fraud. I have not recovered lost money and want to complain about Bank of America handling of my request to withhold transfer to fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$110000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}
Product: Mortgage

I worked in the mortgage industry for over 20 years. In XXXX I purchased our home doing a XXXX with XXXX of XXXX, at XXXX Interest only, and a XXXX and XXXX for XXXX XXXX. Like everyone else I thought everything was going to be great. In XXXX the industry as you know took a great hit. Our value in 3 years dropped from XXXX to XXXX. I was underwater. I worked for over 2 years trying to get my Modification with XXXX. Always the same excuses and threats. They would lose paperwork and force me to start all over again. This was very distressing for me and my family. I spent countless nights XXXX. I then filed BK in XXXX XXXX. 
One morning I decided to give up. I contacted the bank and offer to do a deed in lieu with them. Two weeks into the process, the bank asked me to once again apply for the Mod. I did so without adding or taking away any information from my Modification application. A few weeks later I was approved. Very grateful, we agreed to the mod. My XXXX and XXXX forgave the debt I owed them and re-conveyed their deed. The BK protected me from any of their write offs. My balance with the bank was XXXX before the mod, but now is over XXXX. There was principal forbearance that added as a balloon payment in the amount of right around XXXX. My interest bearing XXXX was reduced to XXXX, but at the end of the day there was no real principal reduction. Sure the XXXX and XXXX was removed, but I still have a ton to pay. Once the modification trial was complete, they transferred the loan to Nationstar. I am grateful to XXXX for giving us the help we needed to stay in our home, I would only ask that they forgive the amount that was on the forbearance.
Product: Debt collection

I Co Signed a car for my ex girlfriend. We had a huge hail storm In Colorado and did about 6000 dollars worth of damage to her car. The insurance company issued a check to her dad and not the lien holder and her dad. She never had insurance herself. They pocketed the 6000 dollars from hail. And claimed the car as totaled. There was no reports of another accident or anything that they claimed to there insurance. Which sent them another check for half car being totaled out. So it left a balance of 7000 due to her and her dad not having gap insurance from a false accident report in the first place. So now the debt collection agency is saying I owe the rest of the money and is ruining my life and credit score by adding missed payments I should not be responsible for. If there is anything yall can do to help me please let me know. I dont what to do anymore. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Vehicle loan or lease

I recently reviewed my credit report and found several late payments from Santander Consumer USA with account # XXXX, the company violate the Fair Credit Reporting Act section 1637 ( b ) of this title, I am asking Santander to provide clear copies that have mailed to me or delivered not later than 21 days before the payment is due.