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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX  XXXX and XXXX - XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Nationstar, dba " Mr. Cooper '', extracted {$1800.00} from my checking account without my approval. An email was sent to myself and MANY other customers notifying us of the issue, however, this doesn't excuse the issue itself. " Mr. Cooper '' deposited the same amount, {$1800.00}, back into my account. 

I had spoken to representatives at the company who, while " very sorry '', was not able to provide a 100 % guarantee that this issue wouldn't happen. They proceeded to state the issue was not with " Mr. Cooper '' but with the 3rd party payment processing company they use.
Product: Vehicle loan or lease

GM Financial reported on yesterday that my account was 30 days late. I have never received a call or letter that my account was 30 days late. When I log on to my account it shows that my account is one day late and I have already made arrangements for this payment. This is the second time that my account has been reported past due 30 days and it wasn't. Also, the amount that tI owe and the balance they are reporting is not correct. It has never been correct.  GM Finance is not being fair and is violating the Fair Credit Reporting Act. They are not updating my credit report accurately and timely. This impacts me negatively. I have never received written correspondence saying that my account was past due 30 days.
Product: Debt collection

XXXX XXXX XXXX, XXXX, in XXXX Illinois is trying to collect on a debt that was under MIDLAND FUNDING LLC or MIDLAND CREDIT MANAGEMENT LLC This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact XXXX XXXX XXXX but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY MIDLAND FUNDING LLC was informed of my bankruptcy by my attorney and / or representative
Product: Credit reporting or other personal consumer reports

I requested Equifax to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, has 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
Product: Debt collection

There is a second midland credit account on my collections thats obviously not mine as no cradit company would issue a second and larger line of credit to someone that was already in collections with them mmmm Im guessing its probably my dads as Im a XXXX XXXX we have same name
Product: Credit card or prepaid card

I have been having a serious problem with my credit card company. I received a letter dated XX/XX/21 stating that my account was to be credited in the amount of {$1100.00} on XX/XX/21. When I received the next monthly bill, it had NOT been credited. When I contacted them, they stated that the letter was sent in error. 

I have tried to resolve this issue multiple times and keep getting the run around. I then, was told to send a letter to the " Presidential Correspondence Disputes '' in XXXX, XXXXwhich I did on XX/XX/21, to which I got no response as well. 

This is more than frustrating, and I have continued to pay the minimum payment every month, as to not harm my credit. Please help!!!!
Product: Credit reporting or other personal consumer reports

Lexington law misused my info and I've relocated. I have a new address XXXX XXXX XXXX XXXX, Ga.XXXX. 
Thank you kindly. I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the XXXX mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, XXXX XXXX XXXX Hotel in XXXX XXXX charged my XXXX XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my XXXX XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( XXXX XXXX ) was delinquent. The XXXX XXXX XXXX accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the XXXX XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, XXXX. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with XXXX XXXX.
Product: Student loan

I started the student loan process in XX/XX/XXXX. On or around XX/XX/XXXX I entered into a payment plan after combining my two student loans. After combining them, I entered into a payment plan with a representative that I spoke to on the phone. The representative set me up to pay {$110.00} a month toward my loan. I never really thought too much about it until my boyfriend and I sat down to pay off some bills and get our budget laid out. We noticed the amount owed wasn't moving at all. Upon looking at the bills sent to the house I was paying {$110.00} a month, but my interest was {$120.00} a month alone. How is my loan every going to get any smaller if I'm not even paying the interest? Why didn't the representative tell me when he set me up with it that the interest was going to be more?
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX SECURITY FIN XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized inquiry XXXX Date of inquiry : XX/XX/year> DELETE!!!
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, who violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures and prevent fraud on the 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 cause insignificant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I didn't realize how high the interest was, so after paying half my payments I was sent an email saying I could refinance. Now they are saying I have to take a new bigger loan out to refinance. I've asked multiple times to speak with an account manager and the customer service agents will say they are transferring me and it hangs up after a couple minutes. My payment is {$49.00} every week and XXXX of it goes towards my balance, this is for a {$500.00} loan. I'm almost positive this is a predatory loan. There is also no way to view past payments.
Product: Credit reporting

I have been trying to dispute this debt on my credit report from a company called XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with Equifax but Equifax claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked Equifax to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company. I have been trying to dispute this online and Equifax states that i can only do this over the phone and they stated i cant request of my credit report online indefinitely. I have tried to order my report and the system never allows me to order it. I have provided proof of my identity to them over a dozen of times since they keep asking for it. I have provided my XXXX drivers license, my social security card and a utility bill as well. Equifax refuses to let me monitor my credit online ever. They are well aware that i was a victim of identity theft and i have placed a security freeze and a fraud alert as well yet they refuse to address this fraudulent account. I have highlighted the account in yellow.
Product: Checking or savings account

I was sent some money and. For whatever reason they sent a email saying they were going to close down my account due to suspicion but they was not closing it under any penalties or nothing bad against my account and they were going to transfer my money to an account that I had connected to my Capital One account or send it in a check within 10 to 12 days and I havent done either one nor did they shut down my account why I have an eight yet received my money and when will they be shut down the account
Product: Debt collection

A medical XXXX company is trying to collect a debt for services that I nor anyone in my family received. We do not nor did I or my family live in the state durning the time they are trying to say they provided services. We have asked the 3 major credit reporting companies for a couple years now to please dispute this, if we could call in or provided documentation of us living in another state. We have bought a house, car major bills all in another state for years and durning the time they are saying we had services. This is ruining my credit. I want to know how else I can personally ally prove this is not me. Everytime I dispute with the credit bureaus they never ask us for any proof they just say the company came back and said this is our bill and the collection will remain. This company has started to call random people they think we know and give our personal information out and we know that is illegal in an attempt for us to call and pay them. I will not pay for a service that was never provided.
Product: Credit reporting or other personal consumer reports

I set up a payment arrangement with the XXXX XXXX XXXX which is the original creditor and have been paying a monthly payment for this couple months now.Which was XXXX $ and the Person of contact with original creditor ( XXXX XXXX XXXX ) stated on the email that the delinquent account will be removed from my credit report. I reached out to Credit world multiple times about this matter and the company refused even with the proof from the original credit of payment arrangments.
Product: Money transfer, virtual currency, or money service

I`ve virtual currency invested via Robinhood.com . Recently, I tried to move the funds from Robinhood to another service provider as I was not happy with their service. They asked me to provide ID proof to verify my identity so that I can transfer the funds. I provided the requested ID proof multiple times, spent more than 10 hours on the chat and tried ways to get in touch with a representative but no avail. I searched online and there are 100s of compliants of poort service by this company and no one has taken any action against them. Please do something and help us get our money back. I`m worried these people are scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX UNAUTORIZED HARD INQUIRY XXXX  XX/XX/2021 XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX  - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX, my wife and I received our mortgage payoff information from XXXX XXXX XXXX XXXX. The payoff instructions indicated final payment must be wired, or mailed cashiers check. I chose the former, being ( I assumed ) faster and safer. On XXXX, I went to the Krogers store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, as they were the nearest Western Union center. I provided the woman at customer service all the wiring information given to me. My payoff amount, {$590.00}, and the wiring fee, {$16.00}, came to a total of {$600.00}, which I paid with my XXXX XXXX XXXX debit card. When I arrived home, I went to Western Union tracking online, and entered the receipt 's tacking number XXXX, and saw that it was listed as " Received. '' Since it was Friday, I waited until Monday XXXX to call XXXX XXXX. I was told by the XXXX XXXX rep that they had not received payment, but it could take " a couple days. '' Wednesday XXXX, I called XXXX XXXX again. Payment not received. I was asked to scan my WU receipt, and email it to their research incoming dept. I did so when I returned home at XXXX XXXX. Very concerned, I called XXXX XXXX again XXXX. Payment still not received. The XXXX XXXX rep was very helpful in getting my final mortgage payment completed ( via our escrow ), and contacted WU while I was on the phone with her. After a lengthy process, she was able to connect to a WU representative. She gave the WU rep the XXXX XXXX wiring info he requested, and all of my wiring information. The WU rep assured me my money would be refunded, but " please allow XXXX hours. '' I was assured I would be contacted. I also filed a claim online with WU when I got home, supplying all information, and referencing the confirmation number the WU rep gave me. Being Friday afternoon, I patiently waited until late Tuesday afternoon, XXXX, before calling WU. I was told it was " still being investigated, '' and I " might want to have the sending WU branch trace it. '' I received an email from WU as a result of my filing online, essentially saying it was " up to the receiver '' to issue a refund. Basically, I was being given a massive runaround. The problem was with the woman at the XXXX WU apparently guessing at the receiver, and sending it to the wrong place! The XXXX WU told me I would " have to take it up with Western Union. '' Again, a runaround. I find it nearly impossible to believe that, in this digital age, a company as huge as Western Union ( {$5.00} billion revenue in 2017 ) can not manage to ascertain WHERE my money was sent, WHO received it, and REFUND my money to me promptly! I am patient, but my patience is not without limits. I hope that you office will offer me assistance, for which I offer my gratitude in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I regret I have yet another instance of violation of the FDCPA from the firm I have come to refer to as MJRF. 

Any resemblance to past violations and complaints of violations is due to the fact that MJRF have not stopped violating the FDCPA, despite being warned multiple times that they are doing so. 

I received the attached envelope in the mail today. You'll notice it's distinctly different from the other envelope with the same problem. So this is another violation. ( Note the XXXX and the date on the postmark ) Under the FDCPA, 15 USC Section 1692f it is forbidden for debt collectors to put on envelopes any language or symbol, other than the debt collectors address.. 

This was affirmed in the case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The firm MJRF continues to violate this portion of the FDCPA. This represents another distinct violation by them. 

And much like how if you speed off from a traffic stop the officer may issue you another speeding ticket, they should also be penalized for yet another violation of the FDCPA.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the SOL for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion/XXXX  has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. TransUnion/XXXX has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.