23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I changed my payment method to my XXXXXXXX XXXX  checking account. My payments are auto-paid on the fourth of each month. The payment was taken out of my checking account causing my account twice to be charged XXXX each time. There was no money to cover that second withdrawal amount. I was told that they would not refund me my XXXX a cause which they created by attempting to take a second payment after my first payment had been auto-paid on the fourth. The agent told me my next payment would be XX/XX/XXXX, because they had taken it out., if what the agent told me was not true was my payment not auto-paid for XXXX?, they contacted me to tell me on XX/XX/XXXX that my account was past due, so I paid. I want my XXXX refunded back to me not credited to my account.
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 redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Department of Education in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports onXX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I  logged into my debt summary for the Department of Education and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

We went into contract to sell a parcel of land on our property in XX/XX/XXXX. In XXXX of XXXX we notified Carrington Mortgage that we needed a partial release of the lien on the mortgage to complete the sale. We began the process of obtaining a partial release of the mortgage for our property at XXXX XXXX XXXX in XXXX New York. We were told it would be processed by XXXX XXXX the We were informed on XX/XX/XXXX by XXXX XXXX XXXX and Escalation Specialist with Carrington, that there was a problem with the assignments not being recorded. 

There are three assignments missing including the assignment to Carrington who says they hold the note. 

It is now XX/XX/XXXX. We do not have the partial release of the lien. And now we don't know, nor can Carrington prove, that they hold the note. Carrington 's customer service line will not let us through to legal department, lien department or the escalation department so we can not get answers. We have asked customer service reps to relay the message that we need to talk to them but no one returns our calls.
Product: Credit card

On XXXX XXXX I was charged {$1100.00} to my Barclays Credit card at an XXXX XXXX. I was not in possession of my card and it was used without fraudulently. I immediately made a dispute and was refunded. Barclays returned on XXXX stating chip technology was used so I will not be covered and the refund will be reversed. This was a fraudulent charge and should be covered under the fraud protections of my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the dispute settlement account from XXXX XXXX XXXXXXXX be removed from my credit report. I recently settled a debt with XXXX XXXX XXXXXXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.
Product: Checking or savings account

home to XXXX of XXXX I was XXXX  and put in federal XXXX  at that time I had a checking and savings account with a balance on each I don't remember what it was with Bank of America during the next over two years the social security direct deposit in my account total of over XXXX my beginning and ending about my beginning balance and the interest when I got out of XXXX   in XXXX I should have had approximately {$40000.00} when I got out they notified me that I owe them {$510.00} I found a complaint with y'all about this and I'm not satisfied with your response they did not send me all of the itemized off of my account they didn't send me a year 's worth from XXXX until XXXX when they closed it but they didn't send me the last year automatic accounts of a fraud the bank fraud and forgery and other wire fraud mail fraud that took place in my account that they allowed during that time frame and they will not send me any canceled checks they knew that the checks were forged because my signature was not on the check somebody else for them they're six different individual names that I have now listed in a criminal investigation the FBI may be looking into it I don't know eventually it will probably be turned over to the FBI now if they don't have that information they knew from XXXX when I call them from XXXX federal XXXX  that something criminal was going on in my account and if they destroyed anything they destroyed evidence in a criminal investigation and at the same time they will not cooperate with me at all on keep giving me the run-around now I will put this in the media there are different media sources XXXX and some others that want to interview me about this and if they there may be hundreds of thousands of people withdrawing and closing your account with Bank of America
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX mortgage ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should because I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am talking abou XXXX now. These guys are just crooks. My credit score was at XXXX with 17 % total credit usage. I am back up to 30 % which is recommended and I lost XXXX on my credit report. I never gained XXXX pts for good work. 

Wonder why people are losing their minds out there. All my accounts are paid on time. Theres no reason to do this. I understand XXXX pts but XXXX? Thats a joke. 

Look at my credit report and see what I mean. 

XXXX XXXX
Product: Debt collection

This Company never show me any WRITTEN STATEMENT with my signature allowing them to furnish ANYTHING ON MY CONSUMER REPORT IN VIOLATION OF MY CONSUMER RIGHT 15 USC chapter 41, This company seems to say they have " transfered/sold '' the debt XXXX has reported and cancelled the debt to receive some type of tax break with the IRS.If my rights are still being violated the CFBP will be a witness in court that i did inform this fraudulent " CREDITOR '' did in fact receive this NOTICE OF FAULT and OPPORTUNITY TO CURE. I HAVE ALSO SENT THIS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted XXXX XXXX at Cashcall Mortgage for a HELOC to consolidate three bills. He asked me for all of my documents to verify my income and then on XX/XX/XXXX ; he asked for my permission to run my credit for a HELOC. XXXX XXXX told me that the payment for the HELOC was just {$590.00} per month. I told him that I could pay this standing on my head and for him to proceed. 

Instead of XXXX XXXX putting in my HELOC application ; he put in a false application for a refinance. A licensed broker can not intentionally put in a false application! This broker committed fraud when he filed a phony application to refinance my home! 

Then, his boss contacted me and asked me not to file any complaints against XXXX ; stating that XXXX XXXX just came back from leave. He stated that he could have the credit inquiry removed from my XXXX report. No U.S citizen should have to deal with these types of criminals. Now, I have this mortgage inquiry on my file till XXXX ; because of this broker 's deceit! I will be filing a complaint against him with the Dept of Regulations in Illinois. Since he signed onto their website and put that false refinance application in!
Product: Student loan

I requested a refund for the student loan payments I made during the COVID pause. I only received 3 payments back. I called Nelnet to make sure they sent all of my records for my payment records. My loan was transferred from Great Lakes to them during COVID and they have the records of all my payments for the last 5 years. They said that they sent my Great Lakes record of payments as well. 

I received checks for 3 of the payments dated XX/XX/XXXX I did not receive a refund for the other payments I made. In XXXX, I called and spoke to a representative that told me that they also sent my payment records from Great Lakes since my loan had been transferred and I should be receiving my refund shortly. I called again at the end of XXXX and asked for the representative to re-send the request because I still had not received my refund for all the payments. 

It is now almost XXXX and I have yet to receive that refund. 

I have attached the documentation.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX  - Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 5 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX Balance : {$1300.00} Company name : XXXX  XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$4600.00} Company name : XXXX  XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$440.00} Company name : XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$550.00} Company name : XXXX XXXX Account number : XXXX Date open : XXXX XXXX, XXXX Balance : {$1300.00} Company name : XXXX XXXX  Account number : XXXX Date open : XX/XX/XXXX Balance : {$9500.00} Company name : XXXX XXXX  Account number : XXXX Date open : XX/XX/XXXX Balance : {$4300.00} Company name : XXXX XXXX Account number : XXXX Date open : XX/XX/XXXX Balance : {$1900.00} INQUIRIES Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX  XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX, XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX Service Date open : XX/XX/XXXX Account name : XXXX XXXX NA Date open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX open : XX/XX/XXXX Account name : XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX XXXX XXXX Date open : XX/XX/XXXX Account name : XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX  Date open : XX/XX/XXXX Account name : XXXX XXXX Date open XXXX XX/XX/XXXX All these accounts have 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 items of information, other than records of convictions of crimes which antedates the report b more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account. 

The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account NumberXXXX - Creditor Name : XXXX XXXX XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Debt collection

Good afternoon CFPB, How are you? For the past two and a half years, I have repeatedly requested Portfolio Recovery Associates , LLC to provide evidence that the debt they claim is mine. However, instead of providing the legal requested proof, they have only sent me threats and legal judgements. Enclosed is one of many lawsuit packet I have received, the most recent being dated XX/XX/XXXX. According to information on the CFPB 's website, Portfolio Recovery was instructed to pay {$24.00} XXXX for ongoing illegal debt collection practices and violations of consumer reporting regulations on XX/XX/XXXX. My simple request to Portfolio is to stop the threats and judgements and to remove the negative entries from all three credit bureaus- XXXX, XXXX , and XXXX . this will enable me to pursue small business loan opportunities to support both myself and my family. Thank you for your consideration and efforts.
Product: Student loan

As of today XX/XX/2018my ancient balance is XXXX. My original loan was with Sallie Mae it was sold to navient and when I was contacted by them it had doubled now over triple my original loan amount and they expect me to be able to pay this. The payments they want me to make are high and I am single parent unable to and ethically don't want to because of how they fraudulently added so much money to my loan. Why am I being asked to pay XXXX   extra on a XXXX dollar loan? I would like to be part of your lawsuit against Navient. They are crooked. They will offer ypi deferment or forbearance bit after that your balance is 5 to 6 thousand higher each time. My loan was originally XXXX   now the balance is XXXX. Ridiculous.