23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a loan from Republic Finance. After receiving the loan the female that was working there told me she had put copies of all the documents in the envelope. but when I got home there was nothing but blank documents. I eneded up having to file a formal complaint against the company, and when I received copies of the documents I found that my initials had been forged stating that I wanted insurance, and after filing another formal complaint the company paid the XXXX dollars, I believe that was the amount, back to me. I have paid XXXX dollars for years now, always on time. In XXXX I paid on time, but I only paid XXXX dollars, instead of the XXXX. In XXXX I paid XXXX dollars, on time, but it was lacking XXXX dollars. They asked when I would be able to pay the XXXX and I told them the XXXX week of XXXX when I received my social security check. When I received my check, my electric bill was extremely high, so I couldn't pay them. Now that another bill had been paid off I told them I would pay them the XXXX dollars on XXXX XX/XX/2023. I asked them not to call me again, but they have been calling me everyday. The next thing I hear is that they called my brother in Mississippi who is suffering from a XXXX XXXX and parkinsons, and he is much older than I am. asking if he knew where I was, because I owe them XXXX dollars when they know exactly where I am, because they call me every day. They threatened to put it on my credit report, all for XXXX dollars. They said XXXX because I was late, and I wasn't late, I just didn't pay the full amount. This company is ruthless, using underhanded tactics and rudeness, and trying to scare senior citizens. If this is the way they felt, shouldn't they have sent a letter? I am a senior citizen, a XXXX XXXX, and have a credit rating of almost XXXX, and you don't get that by not paying your bills. They have me owing over XXXX dollars, but if you look at my credit report it shows that I only owe XXXX dollars. This is a ruthless company, and the only way the credit bureau can get that information is, it's reported by the company. There should be an investigation into this company and the underhanded things they're doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I sent multiple disputes ot Equifax and complaints regarding the information listed in error on my credit report for XXXX/XXXX XXXX. The response was a letter addressed to someone name XXXX XXXX to my address. I have since contacted Equifax who can not verify my personal information that I provide. I specified the account names, inaccurate info and provided my personal info each time disputed. No one not can seem to verify this account, who opened it or who XXXX XXXX is. I also believe I am part of the Equifax breach as I can no longer access any of my personal credit reporting information by mail, via the Equifax website or over the phone. This account is NOT MINE and NOT VALID. I am not XXXX XXXX.
Product: Mortgage

Paying extremely high PMI for 11 years on my mortgage loan. I questioned the amount and have not been provided with any response as of XXXX/XXXX/XXXX. Also, Escrow amount seems excessive since XX/XX/XXXX and I am unable to reconcile what the increase is attributed to at this time.
Product: Credit reporting or other personal consumer reports

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX  days. That deadline has come and gone without a single word from them regarding the status or findings.
Product: Debt collection

On XX/XX/2020 They call my desk phone at work, my cell phone and then they called my HR manager at work acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.Never once did they state their name and that it was an attempt to collect a debt. I had to find out through the original debtor who they sold the debt to in order to obtain the name of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

KICKOFF IS REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS AND CAN NOT VERIFY MY PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 items : CHILD SUPPORT XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXXXXXX XXXX Balance : {$33000.00} ; U S DEPT OF ED/XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

Web site is inaccurate. Does not reflect principal payments once a payment has been made. I've talked with Support on the phone at least 3 times to correct the problem. 

On the web site it only shows the interest paid, but neglects to show the principal. 

For example, I make a payment of {$300.00} a month. About {$35.00} is interest, but the remaining {$260.00} does not show as payment to the principal. This has been occurring for at least 4 months since Discover Student loans took it over. Had no problems when it was managed by XXXX XXXX. 

I am very concerned that I am not getting my correct balance allocated towards my principal because of this ongoing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan had a maturity date of XX/XX/2022. I called the company & told them I could only pay {$1000.00} for XX/XX/2022 & would pay the remaining {$1100.00} in XX/XX/2022. The customer representative told me that would be fine & no report would be sent to the credit bureau as long as the final payoff was paid in XX/XX/2022 And no late charge would be assessed. I paid the final payment on XXXX but a few days prior to that, I get a notification that my credit score had decreased like XXXX points due to my account being 30 days past due. That is completely insane & unfair on what they did to me after they said that would not happen. I have been a good, loyal customer & now have paid off the loan in full. I would truly appreciate if they would reverse that 30 day past due because it was not & that would help my credit score tremendously!!! Please Help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with Equifax this regarding the disputes I've reported to them that falls unders SCRA and provided ample documentation for Due Dilgence on the accounts I've reported to them and also had to resubmit additional disputes today also once reviewing the account status that they weren't included in the original submission I've contacted Equifax numerous times to verify the accounts status along investigating the accounts properly and verifying that the creditor is reporting the accounts accordingly with federal guidelines and again they are not. This has continued to be mental anguish, stress, XXXX XXXX alot of sleepless nights. I've exhausted all avenues to resolve my accounts with them and creditors to hand the accounts properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to make payments and as of the last time I spoke with the XXXX XXXX customer service in XX/XX/XXXX my accounts were paid and in good standing. When I would log into my XXXX / Synchrony Account card online it reflected a minimum payment that was due in XX/XX/XXXX but did not reflect any other issues or delinquency with the account. Then one morning I woke and my credit dropped 90+ points and stated my XXXX/Synchrony Financial Card was past due - so I logged in online and again it reflected a current account. However, I paid an amount to determine if it would move out the due date, it did. I made a payment and it reflected a due date of XX/XX/XXXX.  When I attempted to contact their collections and customer service department they just kept arguing with me and telling me this is collections and my account is current - then they advised they haven't rec 'd a payment from me for months. I advised them to check their contact records because I called and set up payments with them and have not heard from them until I noticed my credit was impacted and paid right away. They co n't to try to transfer me, talk over me, argue with me and ended by just keeping me on hold.
Product: Debt collection

ARS ACCOUNT RESOLUTION - {$250.00} I called ARS and they could not provide me with a copy of the bill in question or what services were given. I do feel that this is my deceased fathers debt, as we have the same name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  been supplying XXXX Nexus, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, i tried to make an account on Remitly with all the correct details, i haven't made any transaction but still they suspended my account. for no reason. 
I request Remitly to revoke my suspension so that i can make the transfers to my friends and family. 

Company Name : Remitly Name : XXXX XXXX XXXX Email : XXXX Mob : XXXX Add : XXXX XXXX XXXX, XXXX, Kansas XXXX
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app specifically cash app failed to take timely effective measures to prevent and address fraud leaving my account valuable and unprotected these actions have caused a inconvenience and financial loss and i seek appropriate readdress for these issues.
Product: Credit reporting or other personal consumer reports

I have consistently made XXXX payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
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 XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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: Debt collection

This was an letter I sent via certified mail and there was no response. 
I received a copy of my credit report to find the following items to be incorrect. I have explained the discrepancies in the numbered entries listed below : Acct name & number XXXX XXXX XXXX Account number XXXX {$5300.00} According to my records the information you are reporting on this account is in accurate. I demand that you remove this information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be investigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. Under the terms of the Section 1681i of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. Also, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should be no charge for this notification.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Mortgage

I applied for a Home Equity Loan and was told the following : The rate for your loan was at 8.74 % and the max allowed was 7.39 % so we can not proceed. This was after pulling my credit. This individual XXXX XXXX said he could not explain it any better and he sent me an e-mail saying the same thing with no clearer an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the charge off was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}. XXXXm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MInnesota XXXX DOB XX/XX/XXXX SSN XXXX Citi bank Cc CFPB On this XXXX day of XX/XX/XXXX I XXXX XXXX XXXX I have contacted your office via MInnesota Attorney Generals office, credit reporting agencies and the consumer financial protection bureau. But it is hereby known that I have sent you factual proof and documentation of your unlawful and negative credit reporting that you are reporting on me! But you refused to remove the violations. In accordance with the federal fair debt credit practicing act 15 USC & 1692 you are hereby notified to Cease and Desist reporting account XXXX in addition you are hereby to remove this account from all credit reporting agencies I will request documentation that you have complied with this request Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to propery investigare my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Credit Karma Money Spend Account, where {$4000.00} in funds were stolen out my account using a debit card that i never recieved in the mail. I called the support daily looking for ways to protect my account but recieved no help. 

XX/XX/XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX : {$2300.00} XXXX i have proof this was not me. 
please help i had a card shipped in the mail it was never recieved i lost access to my account and by the time i reached the customer service my money was gone i called everyday even at time with support from Credit Karma saying unfortunately it was nothing they can do to help me and hanging up.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Incorrect employment XX/XX/XXXX Wrong person
Product: Debt collection

Gifted a 1995 XXXX XXXX to my nephew, XXXX XXXX, XX/XX/XXXX and signed a bill of sale, as well as submitted a release of liability to XXXX, CA DMV following. XX/XX/XXXX XXXX XXXX sold the vehicle to XXXX XXXX, drivers license number XXXX, address of XXXX XXXX XXXX, XXXX, CA XXXX, telephone number XXXX and received a signed bill of sale. XX/XX/XXXX, I, XXXX XXXX, received a notice dated XX/XX/XXXX from Lien Enforcement Inc, Specialized collection service, creditor XXXX XXXX  XXXX, reference number XXXX addressed to myself with a total due of {$1900.00} and stating the debt will be reported as mine to the credit bureau within 30 days. 2 legal owners have had the vehicle since I last drove in XX/XX/XXXX or had possession of early XX/XX/XXXX and this company is attempting to fraudulently hold me liable for the debt.