23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name of the consumer : ( XXXX XXXX XXXXXXXX ), Social Security Number of the consumer : ( XXXX ), Date of birth of the consumer : ( XX/XX/XXXX ) Criticisms Leveled : Please, Experian, within four business days of receiving this complaint, remove from my consumer credit report any information that is associated with fraud or identity theft. I am requesting this action in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). The following items constitute this deceitful, erroneous, and misleading data : SCAM ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Locations XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; and XXXX XXXX NY XXXX and XXXX XXXX XXXX, respectively XXXX XXXX XXXX XXXX {$520.00} XXXX is a fraudulent account. The following transactions occurred on XX/XX/XXXX : XXXXXXXX XXXX XXXX  {$380.00}. XXXX. XX/XX/XXXX : XXXX XXXX. {$4300.00}. XXXX. XX/XX/XXXX : XXXX XXXX XXXX XXXX {$7300.00} My consumer XXXX report shows multiple instances of fraudulent collections related to these accounts. I have attached a list of the affected accounts and addresses, along with a copy of the consumer FICO report that you maintain. This report clearly indicates the false items that were discussed earlier. The reported accounts and collections do not appear to me. I want to clarify that I did not open, make, or initiate any of the accounts or collections that you have included on my consumer credit report. Fraud and identity theft are the root causes of all the accounts and collections described above. I have attached the XXXX Federal Trade Commission 's Identity Theft Criminal Complaint # ( XXXX ) as evidence that all of the consumer credit accounts and collections indicated above are the outcome of fraud and identity theft.
Product: Credit reporting

On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX XXXX XXXX XXXX/XXXX/XXXX ; EQUIFAX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
Product: Money transfer, virtual currency, or money service

I have tried to take XXXX euro 's from my Coinbase account via XXXX to my bank account in the XXXX and have not received my money. Promised date of arrival was XXXX XXXX 2017.
Product: Credit reporting or other personal consumer reports

Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX XXXXon Equifax Inc. XXXX XXXX XXXX XXXX XXXX ; Case XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } I Have Been Affected Equifax XXXX XXXX XXXX These accounts were opened in my name without my knowledge and continue to damage my personal character and financial ability. These accounts were created without my consent and have placed an unjust and burdensome financial obligation upon me. The information contained in this letter is accurate under oath, and I demand prompt corrective action. 
Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Identity theft resulting in unauthorized creation and reporting of these accounts. 
Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. I want to make it clear that I have never given permission for Equifax or any associated entities to report or share any personal information about me.
Product: Mortgage

I fell behind a bit on my mortgage due to an issue with my employment. I have been trying to work with the Mortgage company and a company I hired to get this back to good standings. The mortgage company just continues to stall and ask for paperwork over and over again and this has now gone on for several months. We want to keep our home and continue to pay on the mortgage but at this point it seems like they are making it tremendously and unnecessarily difficult.
Product: Credit reporting or other personal consumer reports

Attached PDF file from the FTC with 5 fraudulent accounts attached that needs to be removed and deleted
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of an account on my credit report. The account, Reliable Credit, is over 7 years old and should no longer be included in my credit file per the Fair Credit Reporting Act ( FCRA ).

Additionally, this account is inaccurately listed as open and continues to accrue fees despite its charge-off status. Please review and update this account status, removing it from my report entirely, as it has exceeded the allowable reporting period.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$100.00} from XXXX XXXX in XXXX, FL. I called XXXX and left messages three times - and to this day have not received any response. After waiting a week for a response, disputed the charge with Elan Financial Services. While I had eaten in the restaurants during my stay, I did not make this charge ( referenced at Eating Places, Restaurants on my billing statement ). Elan Financial Services investigated the claim and told me the chip was used and therefore closed my claim. I have all my receipts and each charge is accounted for therefore I requested a copy of the receipt or other proof in XXXX after being informed that the claim was closed. I decided to reopen the claim in XXXX and reminded the claim representative on XX/XX/22 that I am still waiting on this proof and to see the credit applied to my account. Elan is not being helpful or responsive.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX in 2020. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trade Commission that all of 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

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them,
Product: Checking or savings account

On XX/XX/2020 I got into my online account with edd. I noticed that my last name was not my last name .so i texted edd and let them know through email. And a card was sent to me from bank of America that had only {$17.00} and I calk to find out what was going on edd let me know that they have been putting money on my card since XXXX but I haven't received any of it. So I was told to file a claim with bank of America so I did. And when they froze my account my claim was pending and while it was froze I received a letter that was dated XX/XX/XXXX the same day my account was frozen but didn't get the letter until after XX/XX/XXXX. I told them and it started that they have closed my claim. I called and ask why and was told to toss the letter because there machine sent it out. And later that week it was announced on the news that if anyone received and letter from bank of America while your claim is frozen to toss it. And then when when my account was reopen my claim was still closed .I called and tried to explain to them what happened and since I found the person who was responsible for taking my money I was told to give them there information and I did, then I was told that if I get them I I police report that I will receive my money so I did and fax it and gave it to them. Still no money .so I call again I was told that my claim was closed again and they also made it two claims instead of one so on my {$5000.00} claim they started that it was closed because the had just received the bank tape. And it looks a lot like me I told them the person that took my money everyone mistakes us for each other when I first founded out she took it. A couple of days later I called about the XXXX that was still open at the time, that it was now closed because they did not have and tape, and because they did not take it a lump sum of the money at once but they only allowed to take a XXXX a day. They have been living to not only me but they also told edd they paid me the money already and when told about that they started that they do not take to XXXX .And when I called before to check on my claim they assured me that they were emailing edd while I was on the phone .Also edd said the sent them my first payment which was overXXXXand they claim it was over {$14.00}. My fear of me losing my hard earned money has cause me anxiety. Pain, and a lot of headaches. I ve lot my valuable property, my boyfriend, of 20 years, and my a friend and now I'm about to lose my place to live over this.please help me get my money I don't only think that I've worked hard for that money but I NEED my money bad please help. P.s. I've did all that was asked of me and I yet to see a XXXX. And all I got back was one lie they give me over and over. I spoke to bank of America and it's all so on there web that they cant hold take more then six months and with the virus the was lucky to hold them three .We do look a like but not that much so even if they did have a tape of my XXXX  from XXXX and XXXX I should have my money by now but still nothing nothing nothing.Help me please thank you
Product: Payday loan, title loan, or personal loan

Cash Store on XXXX XXXX XXXX XXXX XXXX, TX XXXX. In this company if you can't make a payment or renew your account you are then stealing there money!! XXXX XX/XX/2020 my Mom received a very rude call from this company saying she has not honor her agreement, and stealing from them too. Also, threaten to take her to court!! She made agreements with this store location that she would make a payment when she could to pay it off completely. When she is done with this process she can never get a another loan from them again. Which I explained to her with her phone on speaker so we all could her the agreement. Have not received a letter from the company about one thing or another. Then she is receiving calls from said company main office and very rude, loud, disrespectful call asking about the money she owes. With so many scammers over the phone how does she know who is calling her? They use different numbers all time and don't always identify themselves clearing who they are either. Why can't they get the agreement from the store and it employee who agreed to it? Why is there constant calls about the same thing over and over. This is still in the month the agreement was made in the first week of XXXX!!!! How can they not understand that if she could be it on time she would?! Also, not her first time getting a loan from this company!!! They need to learn how to approach people better especially when struggling to pay all bills in this time frame.Everyone is trying there very best to pay bills, put food on the table, and a job done. What does adding on more pressure do for this company and people who took out a loan? Is this company going to also blame other consumers for loosing there jobs, extra mouths to feed, or hours cut short?!!! Our they also going to threaten every single person who doesn't or can't pay a loan from them? Is this the natural standard and practice of Cash Store company? Who wants to be talked down to like a child? Threaten? Insulted to pay money you don't have at the moment in time? Can't make payment agreements to the Cash Store because you not sure if money is coming in? Who would ever want to renew or receive a loan of any kind from this location or company again?! Not ever again no matter how much it might helped or helps us!!!!! Thank You, for your time to read this complaint about your very rude and disrespectful staff that you have hired for Cash Store! Good Day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute item, Bankruptcy Ref. # XXXX ( dispute report number XXXX ) twice. Once on XX/XX/2018 and again on XX/XX/2018. Each time, Experian has responded with the following statement, " The company that reported the information has been certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' They will not provide the identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX or report # XXXX ) I have contacted the United States Bankruptcy Court for the XXXX District of Virginia which confirmed the court does not furnish information to credit reporting agencies. ( Documentation attached ). 

I am requesting the removal of the bankruptcy ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX  XXXX XXXX , XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as soon as possible. 

Please identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX ) or removed the public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2010 XXXX XXXX my Bankruptcy was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave XXXX XXXX XXXX a XXXX and I have A XXXX. XXXX XXXX is very deceiving company XXXX. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review XXXX and Equifax too thanks again
Product: Debt collection

I had XXXX for multiple locations for over 11 years. When I sold my home in 2020, I turned in my equipment and completely cancelled service because I was moving out of state and could not transfer service. I had my realtor drop off all equipment and confirmed that my disconnect notice was put in. Fast forward 2 months later, I called to check on the final bill and was told the bill was significantly higher than it should have been. I was told i was charged for equipment as well additional monthly fees as the account was not terminated per my initial request. The initial request was submitted via a XXXX corporate location not via phone. I called in as I was now in Maryland to try and resolve the issue. I provided the equipment drop off slip confirming that all equipment was indeed turned in and to address an adjustment of the account for the overage charges for the additional time of service, past the requested service termination date. A representative claimed my account was submitted for a service adjustment and that it would be updated that the equipment was confirmed to be received. I was advised the adjustments would take at least a billing cycle to reflect the final bill on the account and that it was closed. I gave my new address in XXXX MD as the address of record to send the final bill. 

We proceeded to check with XXXX several times over the next few months awaiting the final adjusted bill. They refused to adjust the account as promised and even charged late fees and then an account termination fee. Despite our detailed information regarding the agent via the corporate store and the promise to correct the billing. They then charged the account off and placed it on my credit file. They never sent the adjusted bill or resolved the additional month of service from the bill.
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 proce 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 48. financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Report Information & Notice of Civil Liability for Negligent Noncompliance Under 15 U.S.C. ss1681o I am writing to formally dispute inaccurate information on my credit report maintained by XXXX. I recently reviewed my credit report and found errors : ( I am requesting All Items Be checked due to incorrect dates, addresses, and Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure the accuracy of consumer credit reports. Pursuant to 15 U.S.C ss1681o, any customer reporting agency that fails to comply with the requirements of the FCRA due to negligence is liable for damages sustained as a result. 
I request that XXXX immediately investigate this matter, remove or correct the inaccurate information and provide me with an updated credit report reflecting the corrections. Additionally, please provide the sources of the disputed information and any documentation supporting your reporting. 
If XXXX fails to conduct a proper investigation and correct these errors, I reserve the right to seek legal action for damages, including actual damage, attorney fees, and court costs, as provided under 12 U.S.C ss1681o Enclosed are copies of my Driver 's License, Social Security Card and Copy of Mailing Address to support documentation. 
Please respond to this dispute in writing within the legally required 30-day timeframe. If you require further information to process this dispute, contact me at the XXXX, my mailing address provided. 
I am fully aware of the investigation that is being conducted by the CFPB and the errors that are occurring by providing a proper investigation.
Product: Debt collection

I was contacted by XXXX XXXX XXXX about a loan from 2017 for XXXX but they stated it is now XXXX. I told the agent I have not received any letters or e-mails regarding this but he said they were sent. So I asked for something written e-mailed to me, he refused. I requested something written, the man I spoke with XXXX XXXX stated they could e-mail me documentation as soon as I made a down payment. My wife stated to be careful because of scams, the agent became a bit nasty and told me, " tell you what, if you don't finalize this now I won't accept less than XXXX ''. I replied, " Are you telling me if I don't pay something now before I can see something '' and then the agent cut me off and said, " Forget it. If you won't finalize this now you will get served papers '' and then hung up.
Product: Checking or savings account

On XX/XX/year> ( dont have exact date ), Citibank decided to close my account for no reason. I have been banking with them for years and never had a problem. I went to a branch and even the manager thought it was weird and he tried to help me get my account reinstated but inner company team or something said nothing and never gave me a reason.
Product: Student loan

I have been paying back student loans with Nelnet for years. However, in XX/XX/2018 they changed their policies and applied my payments to interest and principal on only one group of loans, instead of both. This made it look like I was paying down much more of the principal according to tax documents filed, and paying less interest than that which was actually accruing. 

But according to their policy, the interest continued to accrue on the other set of loans on the order of over {$2300.00} that year. So, while I paid about {$5000.00} last year into the account, it looks like I only paid interest of {$810.00}. This is simply not true, since the interest continued to build up, they just reapplied it back into the principal. Essentially, I am now POORER because I can not deduct the amount of interest I actually was supposed to be paying all along on my taxes. They claim it helps to pay off my loans more quickly, but that is not true, since both groups of loans have the exact same interest rate, and interest continued to build on the other account, but their policy in place did not apply my monthly payments to that account 's interest. 

This is a terrible policy that ultimately could make a lot of other borrowers poorer in the long run, like myself. This should not happen, and in fact, represents negligent business and loan practices. They told me they could not amend my 1098 E until next year, but the limit is {$2500.00} for interest per year, so even next year, I will not get the benefit of the full tax deduction that should have been in place this tax year. This kind of financial action should be illegal, if it is not already. Please save others from such a fate.