23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a repo 10 years ago, which my credit was affected deeply by this but I had been laid off from my job at the time. This stayed on my credit for over 7 years. Now they sent legal notice to my employer to garnish my pay which has been for over a month now so Im being re-punished again which I understand Im hardly making ends meet but again I understand its a debt I must face. The major problem is the company has called several branches of my employer in a very rude and nasty form as if everyone who answers the phone is me threatening them and telling them my personal business. My employer is sort of a franchise partner of the company and they call on a daily basis through out the day and threatening them all the time in regards to my debt with them. My boss is getting called and complaining that they are calling all over the state of Florida in regards to one of his employees. Quite frankly its very embarrassing not only for me, but for those that are being threatened on my behalf. The company is Reliant Capital and their representative is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my information without my authority .US code 1681 s 2 not respected
Product: Credit reporting or other personal consumer reports

The incorrect information being reported to my credit is holding me back from moving forward with my life and moving in the right direction. Lenders will not approve me and accounts that do not belong to me are not being removed because my personal information is not being documented accurately. I dont know what more to do I feel helpless at this point.
Product: Checking or savings account

I made a purchase with XXXX XXXX for a catalytic converter plate to prevent it from theft. It was for a total of {$420.00}, their web host decided to void this transaction and recharge me another amount for $ XXXX. Instead of charging me the difference they did two large transactions. I canceled all orders because of this. Now the {$420.00} is not reflecting in my checking account with Bank of America. I have contacted XXXX XXXX and they claim all refunds have been made on their end. I have contacted Bank of America and they can't provide any more information on my missing {$420.00}. The charges were made to my debit card.
Product: Debt collection

Reported on my credit report that owe a debt that I dont, debt fully paid
Product: Money transfer, virtual currency, or money service

I am disappointed with Zelle making unauthorized transactions without confirming recipients and ignoring the issue. I have had many people blocked from using it when it was not their fault, affecting me from being able to send them money.
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, GREEN TREE, HAS SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. MY SERVICER HAS HAD A LONG-LASTING PHONE MALFUNCTION ISSUE SINCE LAST WEEK. I AM UNABLE TO COMMUNICATE WITH MY SERVICER. THE ONLY NUMBER PROVIDED TO ME IS XXXX XXXX XXXX. THIS IS AN AUTOMATED SYSTEM AND IT HAS HUNG UP ON ME MORE THAN A XXXX TIMES SINCE LAST WEEK. I HAVE HAD OTHERS CALL FOR ME ON MY BEHALF WITH THE SAME RESULTS - HANG-UPS! WHILE MY SERVICER WILL NOT ALLOW ME TO COMMUNICATE WITH THEM, THEY HAVE SENT ME WRITTEN NOTICE OF THE FORECLOSURE SALE FOR XXXX/XXXX/2015. I HAVE SENT EMAILS TO SENIOR EXECUTIVES AT MY SERVICER - THESE EMAILS HAVE BEEN IGNORED. IN ADDITION, GREEN TREE IS REVIEWING MY REQUEST FOR MORTGAGE ASSISTANCE AND AT THE SAME TIME CONDUCTING A FORECLOSURE SALE
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX Name : XXXX, Act Name : XXXX, Act Name : XXXX, XXXX Name : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Defendant-Nationwide Biweekly Administration, INC. 

comlplaintant- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX a lawsuit was filed against defendant by you. i have been using their service for several years and my account was suspended on XXXX/XXXX/2015 without my knowledge. i would appreciate any information available to you and if I am included in this suit. I would also like to know what my rights and responsibilities are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COMENITYBANK/WAYFAIR XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Errors Under 15 U.S.C. 1666b, 1637 ( b ), 1681s-2, and 1681i To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below are the details of the accounts and the associated errors : XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : The account is inaccurately marked as In Collections/Charge-off. However, the balance shows {$0.00}, and the loan was closed as of XX/XX/XXXX. A {$0.00} balance indicates that the debt is resolved, and a charge-off status is unjustified per 15 U.S.C. 1681s-2.

The accounts remarks, Charged off as bad debt and Purchased by another lender, are contradictory and misleading. 

XXXXXXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : This account incorrectly reflects a XXXX Days Late payment status despite being closed with a {$0.00} balance as of XX/XX/XXXX. According to 15 U.S.C. 1666b, payments should be applied promptly to avoid such errors.

Payment history indicates timely payments, contradicting the reported delinquency.

Violations and Legal References : 15 U.S.C. 1666b : Requires creditors to promptly credit payments and prevent erroneous reporting. 
15 U.S.C. 1637 ( b ) : Mandates accurate billing statements.

15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or incomplete information.

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputed information. 

Requested Action : XXXX. Immediately delete the inaccurate charge-off status and remarks from the XXXX XXXX XXXX account XXXX 

XXXX. Remove the XXXX Days Late status from the XXXX XXXX XXXX account and ensure it reflects an accurate payment history. 

XXXX. Conduct a thorough investigation into these disputes and provide me with the results, including verification from the furnishers of the information. 

Supporting Documentation : I have attached the following : A copy of my credit report highlighting the disputed entries. 
Any additional documents supporting my claims. 

Conclusion : These inaccuracies are affecting my creditworthiness and financial well-being. I request a prompt resolution to this matter within the timeframe specified by the FCRA ( 30 days ). 

Please confirm receipt of this dispute and provide updates on your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I apologize for the delay in my payment.i was laid off from my job and the financial stress had caused me to fall behind on my payment.as your records indicate I have been an excellent customer with a good payment history until the economy took a dive.i enjoy being a loyal customer of Toyota motor credit corporation an I would greatly appreciate it if you would give me another chance by deleting the 30 day late payment mark on XX/XX/2019 on my XXXX  credit report.thank you for taking the time to read this letter.
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 violates the Consumer Financial Protection Act ( CFPT ). 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I tried to email First Hawaiian Bank to get a new account information packet mailed to my home address XXXX the messaging feature on my online banking. I opened the account on XX/XX/2022 and the Banker XXXX XXXX did not give me a new informational packet with the list of fees listed. He did however give me my account card with my Account number for the First Hawaiian Online Banking Sign up. I still have not heard anything back from the Bank Customer Service about my account information request. I keep new account informational packets for my records to show what banks I opened and the list of fees if and when I get charged fees that I do not recognize. Please also note in the screenshot I have uploaded with my account transactions the XX/XX/XXXX with the XXXX dollar deposit is the opening deposit I made when opening this Regular Savings Account with First Hawaiian Bank.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCBXXXX agreed to deleted account from my credit report after receiving payments. failed to removed item from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing is reporting a debt on my credit file that I do not owe. I have talked to my Attorney General and am aware that this debt is past the statute of limitations in Utah. Not only that, this debt is past the credit reporting limit and must be removed. You are in violation of my rights under the FCRA and the FDCPA so this debt must be removed. If not, I will have no alternative than to exercise whatever rights and remedies we have under the laws not excluding pursuing legal suit against Convergent.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections XXXX and XXXX. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX 2. XXXX 3. Equifax The/XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and XXXX accounts not reporting : 1. The/XXXX Opened XX/XX/XXXX balance is {$2100.00} 2. XXXX XXXX opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XX/XX/XXXX Equifax accounts not reporting 1. XXXX XXXX Opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XX/XX/XXXX
Product: Debt collection

To better facilitate efficient proceedings and ensure that all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to choice in action. 
Detailed records of transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the choice in activities, including court filing, judgments, and settlements. 
Correspondents, or communications that relate to choosing in action. 
Any other documents or records provide insights into action choices ' nature, ownership, or status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect.

Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. 

I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. 

It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. 

I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. 

Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. 

Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate in remove negative items off my report I have reported numerous negative items on my report have not received any verifiable information stating why these items are on my report I did not consent for these items to be on my report please be advised I have attached all my complaints
Product: Credit card or prepaid card

I have tried to utilize their debt assistance program and they refuse to acknowledge nor contact me back when they claim they will help me during a financial hardship. This has led me to multiple attempts to reach them and find out the status of my hardship approval, with no ability to receive an answer. This has caused me to become delinquent on my credit reports and account and I am unable to now fix the issue and clear what they did wrong. This could have been avoided if they had allowed me the ability to utilize their hardship program or even if they advised I was denied- yet they would not respond at ALL ; even 3 months later ( which I am now 4-5 months delinquent and I dont have the ability to pay them as they demand ). 
I am seeing this as a repeated issue that is being reported to the proper financial authorities but I have yet to see a response or resolution. 

Please help me with NFCU and their false advertising of their hardship programs and financial assistance! They have ruined my credit now!
Product: Student loan

I took out a student loan with Sallie Mae ( now Navient ) for my son attending XXXX University on XXXX. The end date is XXXX and the principal amount was {$44000.00}. 

XX/XX/2022 I received a letter from Navient informing me that the monthly payment decreased from {$270.00} to {$180.00} because they had overcharged my interest. I contacted them on several occasions to see if they could apply the interest amount that I overpaid to the current balance of the note and they declined. The overpayment is {$84.00} per month and if I paid through XXXX, that amounts to {$14000.00}. I want the interest taken off of the principal but I didn't get anywhere with Navient. 

Additionally, I paid off another student loan with Navient for my son attending XXXX and I'm concerned that I overpaid that interest too, but they never informed me. 

Please help me to resolve this issue.
Product: Credit reporting or other personal consumer reports

This acct was paid in full the month and date is reported wrong and amount.plus the amount changing every month on my credit report showing paid off XXXX balance/ close.And the amount still changing every month.please remove from my credit report.