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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} EQUIFAX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} REGIONAL XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00}
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 this account was paid in full the following month I checked my credit report in XXXX there was no change. Still showing unpaid I reached out to XXXX about this in XXXX and in XXXX asked for a letter stating my account was paid and account to be updated with the credit bureaus. There has been no updated information reflecting a XXXX balance nor the account status of this account being paid in full.
Product: Debt collection

I received a called today from a collection agency XXXX XXXX. The rep that called, XXXX, stated that they were sent an affidavit on behalf of a Pay Day Loan provider. I wasn't familiar with the charge so I asked the Representative to go over the charge. Once I told him I was unaware of the debt I said thank you for his call, have a good day and I ended the call. Moments later I received a call back from the representative stating I hung up before I told him what I was going to do. I responded, I gave you an answer. I told him what I was going to do was my concern and I will look more into it. The representative goes on to say how I owe the money and when you owe people you should pay and wouldn't allow me to speak at all to where I got so upset I yelled to talk over him but quickly hung up. I realize collection agency reps have to do there jobs however calling right back after the customer has disconnected the call and accusing a customers does more damage than good.
Product: Mortgage

I have contacted Essex mortgage regarding this issue three times now and have yet to hear back. I was told once we filled out the loss mitigation package which we did on XX/XX/22 that the past due mortgage payment would not be reported to a credit agency or affect my credit. However, it has. This needs fixed immediately. I am still waiting on an update with the loss mitigation package. I am UNHAPPY. We have had nothing but issues with this company. I explicitly asked if my credit was going to be affected and I was told no not if I had the package sent back in by XX/XX/22 and I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, leading to exposure of my SSN and other details.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX BANK XXXX COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Specialized Loan Servicing ( SLS ) reported my wife and I to the triple credit bureau in error and they refuse to retract the 60 days past due delinquent. This hurted us severely, particularly, it is coinciding with a refinance in progress. SLS, in compliance with the CAREs Act, granted us for forbearance in XXXX, XXXX and XXXX of 2020. They guaranteed no negative reporting or foreclosure. In XXXX of 2020, payment was resumed plus an additional ~ {$900.00} to offset the missing interest during the forbearance period. this additional {$900.00} was applied from XXXX until XXXX of 2020. All payment were made as suggested by an SLS agent. However, SLS, the 1st time, reported us to the credit bureau as a 60 days past due delinquent. We called SLS at least 15 times, we filed a complaint with XXXX, and disputed this with the triple credit bureau. On or about XXXX of 2020, the negative reporting was cleared. This week, we noticed that SLS repeated the same negative reporting with same issue : a 60 days past due delinquent. We have already disputed this with the credit bureau the ( 2nd time ). SLS refused to retract the negative reporting and the customer service agent had apathy to our situation and was very rude and emotionless.

I have all the emails confirmation of all the payments made sent from SLS since XX/XX/ 2020, until the present time. Please help us with this ordeal and if you need any proof of payments, we will be more than happy to send them to you. Thank you kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX : {$800.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

I am disputing the collection account with DISCOVERBANK, account number XXXX, dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc ) due to the inadequate customer services and unfair practices which violate ( CFPA ) .specifically, cash app failed to take timely and effective measures to prevent and protect against fraud on the platform leaving my account vulnerable and unprotected Also 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 a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Back in XXXX a credit card was opened back in my name. This card was used over the last 5 years without my knowledge until it closed in XXXX. I had no knowledge that my credit was being utilized. For years now my credit has been used wrongly and this one tops the charts. The debt for this capital one card is above XXXX. When the card was opened I didnt live at the address where the card was sent. I lived in XXXX. Ive tried to resolve this issue over the year and it has been quite hard to resolve. I simply just ask for the the signing agreement and statements from the beginning to understand what has happen however they have yet to show that to me.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Below are supported documents ID UTILITY BILL FTC REPORT
Product: Credit reporting or other personal consumer reports

I submitted identify theft reports to all three credit bureaus along with a printout of section 605B of the FCRA and proof of my identity requesting that specific accounts be blocked from me credit report, as I just found out they were opened by an unknown entity after the Experian data breach. According to the FCRA this information must be blocked within four business days of the bureau receiving proof of the identity theft, but this has not occured.
Product: Credit reporting, credit repair services, or other personal consumer reports

opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to Equifax with my 4 social showing on credit report and they haven't done anything
Product: Debt collection

We had numerous debts from purchasing clothing for my mother. The extra fees continued and we voluntarily closed the accounts. The accounts were sold and we still make payments to the companies monthly. They were harassing me so I sent cease communications to each one. However, we are now notified that this collection agency bought all 4 accounts. XXXX, XXXX, XXXX, XXXX XXXX. I do pay them monthly but directly to the XXXX XXXX. I am not paying a collection agency that continually calls. My wife and I are XXXX XXXX XXXX on low income.They keep calling, using several variations of numbers several times a day, even though we had previous cease statements on here.
Product: Payday loan, title loan, or personal loan

I received a check/loan in XXXX. I deposited the check. When the first payment was due I was called and I told them I would make the payment my next pay date. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with them and said I would make the payment over the phone. I was told that I could possibly " get more money '' with an application for a new loan. I told the lady twice I would make the current payment so as not to get behind. She again encouraged me to " see if I qualify for more money. '' She started the application and told me that since my credit was frozen I would need to unfreeze this then she could continue the application. I had my credit unfrozen with XXXX  the same week. I spoke with her again XXXX/XXXX/XXXX and she said they do not use XXXX and I would need to unfreeze my credit with XXXX & XXXX. I again offered to make the payment so that I would not become delinquent. She said " just see what you can do. Maybe we can get you some more money. '' I have tried to unfreeze my credit with the two other agencies unsuccessfully and have had a hard time getting in touch with the agencies due to the XXXX breach creating long hold times, and have been disconnected while waiting. I even spoke with XXXX but due to the operators thick accent I could not understand the questions he asked and I was unsuccessful. Today I again tried to get in touch with XXXX and was told after waiting 1.5 hours that I had the wrong department and was given another number. I work and take care of my XXXX XXXX XXXX XXXX so I could not stay on hold for several hours. This evening I received a message stating that " the application could not longer be active '' and that she needed to hear from me by XXXX XXXX or " things will get serious. '' I called and left a message to remind her that I have tried multiple times to make the payment and I asked to please let me know what she means by " things will get serious ''.
Product: Checking or savings account

i use a debit card from PLS check cashing. if i use credit, i am not charged a dee. if i use debit, wwhich they advise is used by entering your debit pin number, i am charged a fee. because i know this, i limit use of debit, and have merchants run it as credit. 

whaats happening now that ive noticed, is when i use XXXX/XXXX  for transportation, i get the charge for the ride, then, there is an increase of that charge. i called the bank, PLS, and reminded them the contract states by entering your pin number, you subject yourself to a pin debit charge, not by using credit. creddit is when u dont enter your pin number. i am not entering my pin number when using XXXX/XXXX  services, but they are charging me as if i am. once i caught this and told the bank, not only are they unwilling to credit me ALL those extra fees since im not entering my pin number, to maintain the expectations of the contract, but they are telling me to expect that when using XXXX/XXXX, no other company i am aware of so far. so they jusst changed the contract to me, and that ability to avoid debit fees by not entering your pin, applies everywhere except XXXX/XXXX, then i guess whoever else they decide at anytime? this doesnt seem as true, clear, concise or legitimate.
Product: Credit card

I wasXX/XX/XXXX at the Ohio XX/XX/XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I did not open this credit card account and credit builder account. It is a direct result from Identity Theft and was opened fraudulently. I did not authorize anyone to use my personal information during my 16 years of XX/XX/XXXX. Ive reached out numerous times to this company and provided documentation in regards to my whereabouts at the time the fraudulent accounts were opened.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX : Account # ****
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This company is showing a past due payment in XX/XX/2018.

They can not and will not provide statements and payment authorizations to solidify the data on my credit report. 

in XXXX 2018 I called customer service to change my payment due date and statement date as well as make a payment. The company did not reflect the updates and are reporting a late payment on my account although the account was never past due and/or paid late per the contract. 

I need this late payment removed from my credit report or changed to an on time payment immediately as it is hindering me from obtaining necessary financial products and services.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Demand for Immediate Deletion of XXXX Account # XXXX ( Report Numbers : XXXX and XXXX ) To Whom It May Concern : On [ XX/XX/year> ], I received two conflicting dispute results : 1. **Deletion Confirmation** : Report # XXXX stated the XXXX account was removed.

2. **Verification Notice** : Report # XXXX claimed the account was " verified and updated. '' Your representatives also confirmed the account remains on my report. This violates : - **FCRA 611 ( a ) ( 1 ) ( A ) ** : Failure to conduct a reasonable reinvestigation. 
- **FCRA 611 ( a ) ( 5 ) ( B ) ** : Reinserting a deleted item without notifying me within 5 business days. 
- **Texas DTPAXXXX : Deceptive practices by misrepresenting the accounts status. 

**Demand** : Delete this account permanently and confirm in writing within 15 days. Failure to comply will result in a lawsuit for statutory damages, attorney fees, and penalties under FCRA and Texas law. 

Sincerely, XXXX XXXX Enclosures : Copies of dispute results, call notes
Product: Debt collection

I received a letter from credit corp solutions inc . Claiming that they own the rights of a debt from XXXX XXXX and demanding full payment. I need full validation of this debt. I haven't heard anything from XXXX XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response of Trellis Company to my request ( XXXX ) is not acceptable. Again, in accordance with FACTA Section 312, I am requesting TRELLIS to send me 1. ) the original promissory note showing proof that I owe this debt and the agreed-upon terms, 2. ) maturity date, 3. ) principal, 4. ) interest and issuers signature. These are the accounts in question : TRELLIS- XXXX XXXX, Trellis XXXX. Please provide these 4 documents. 
Furthermore, I believe this information on my consumer report to be a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Student loan

To Whom It May Concern, I am submitting this complaint regarding a longstanding issue with my student loan account managed by Sallie Mae, which stems from an error made by my university between XXXX and XXXX. Despite my repeated efforts to resolve the issue, both Sallie Mae and my university have failed to take the necessary steps to correct it, leaving me with an unjust financial burden. 

Details of the Issue The Error : During my XXXX XXXX XXXX  XXXX XXXX  Alabama from XXXX to XXXX, I was incorrectly classified as an out-of-state XXXX despite being an in-state resident. This error significantly increased the tuition  amount used to calculate my XXXX XXXX. 

Universitys Actions : In XXXX, my university acknowledged their mistake and corrected my classification to in-state status on their records. However, they failed to notify Sallie Mae of the error, and my loan amounts were not adjusted accordingly. 

My Efforts to Resolve : Since discovering this issue, I have : Contacted my university multiple times to request that they inform Sallie Mae of their error. Reached out to Sallie Mae to explain the situation and request a correction. 
Provided supporting documentation showing my in-state status and the university 's acknowledgment of the error. Despite these efforts, no resolution has been achieved. Sallie Mae has not adjusted the loan amounts, and my university has not communicated the necessary information to them. 
Impact of the Issue This error has resulted in : Significantly inflated loan amounts that I would not have incurred had I been correctly classified as an in-state student. 
Accumulated interest on these incorrect loan amounts over the past several years. 
Severe financial hardship, as I am struggling to make payments on loans I should not owe. 
Resolution Requested I request the following actions : That Sallie Mae work with my university to verify the error and adjust my loan amounts to reflect in-state tuition. 
That any accrued interest on the incorrect loan amounts be waived. 
That my university be required to contact Sallie Mae to formally correct the records. 
I have been trying to resolve this issue since XXXX without success. This situation has caused undue stress and financial hardship, and I am seeking the CFPBs assistance to ensure that both Sallie Mae and my university take the necessary steps to correct their errors. 

Thank you for your attention to this matter. I am happy to provide any additional documentation or information you may need. 

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

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}