23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I Made a loan modification with One Main Financial, in XXXX of XXXX. The associate made a mistake and charged me 2 times on the same day. XXXX  days later they finally credited my account the XXXX dollar extra payment they have taken. But immediately in XXXX, they tell me i owe XXXX payments since they refunded me the XXXX. I have spoken to numerous associates and requested that be updated so i can pay the monthly installments I had agreed upon to no avail. They call me every day and I have to retell the story. Some understand others are downright insulting about it. I have offered multiple times to cover the XX/XX/year>, XX/XX/year> and now the XXXX XXXX, but they are dead set in collecting the XXXX they sent me back because of their mistake and although I don't expect that refund to not be added to the overall balance, they don't seem to understand that. They must collect upon it immediately or else I'd be perpetually late. I'm sick of it
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

XX/XX/year> I went to XXXX XXXX XXXX XXXX to purchase a vehicle and submitted an application for an auto loan with XXXX XXXX  XXXX. On XX/XX/XXXX I went back to XXXX XXXX XXXX XXXX and traded my vehicle and resubmitted a new application to XXXX XXXX  XXXX. On both days over 10 inquires reflect on my credit report which were not authorized by me. Only loan application I approved for submission was for XXXX XXXX  XXXX. 

Attached you will find contract off second purchase showing XXXX XXXX  XXXX was lender in 1st purchase and 2nd purchase
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service & unfair practices, in which they violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, hence leaving my account not only vulnerable, but unprotected. Furthermore, their dispute resolution process is not only unfair, but deceptive they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. Due to these actions causing significant inconvenience & financial loss, I seek appropriate redress for these violations.
Product: Checking or savings account

This is regarding CITI NRI account that was closed without my consent and funds missing. As of XX/XX/XXXX - INR  XXXX account balance. Citi had communicated tax documents to my mailing address, sent text messages when I made transactions and monthly statements to my email id. But regarding this account closure and funds, I only got an email as stated below and NO funds received to-date. 

Here is the summary of events that led this email to you all. 
XX/XX/XXXX - Regular monthly account statement. 
XX/XX/XXXX - An email stating my account is closed with no other information. I assumed it is a BOGUS email and ignored it. 
XX/XX/XXXX - An email stating a demand draft for my funds has been sent. I waited until XXXX for follow up. 
XX/XX/XXXX - Called Citi customer support who provided email id : XXXX and mentioned that all issues related to Citibank closure is actively being solved. 
XX/XX/XXXX - I sent an email and I got an automated email. 
XX/XX/XXXX - Email received asking for additional details on my account, email responded immediately. Customer support responded saying unable to determine the account and asked correct account information. Shared again. 
XX/XX/XXXX - Sent email again asking for follow up. This time response received stating - account is related to closed relationship and this time asked to send an email to " XXXX '' XX/XX/XXXX - Sent email with all the information to the new email id, no response. 
XX/XX/XXXX - Sent email again with all the information, no response.
Product: Credit reporting

I contacted Equifax more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than XXXX years, but XXXX XXXX refuses to report the change to the credit bureaus, and Equifax refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Equifax, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Equifax. I am filing separate complaints for Equifax, XXXX, and XXXX XXXX XXXX XXXX.
Product: Prepaid card

On XX/XX/2024 I purchased some shoes and a bag from a website called XXXX for {$55.00}. After weeks went by I started looking closer into the company, and discovered that it is a scam. I emailed them and asked what was going on, and they ignored me. I filed a dispute with my bank, and I just got a letter today stating they were not going to refund my money. They reached out to the supposed company, and the company showed them that I authorized the charges, which I did. Now, if I try to go to the company website it won't show up at all. If you XXXX the website there are many things on the internet from other consumers who have been scammed by them. I think it is more of an elaborate scam if they are going to show banks that the charges were authorized, yet they fail to send any merchandise. If that is all it takes for the bank to believe them, I'm assuming they do this to many people, and get away with it.
Product: Debt or credit management

The debt collector set a payment plans with me, but ive been paying the original collector. My balance on the app is {$600.00} and the third party has taken about {$200.00}. They told me the balance will change within 30 days, but it hasn't. They said they will hold off on taking any payments. I'm not paying until the balance is correct. I've gotten all emails and the app to show my payments and balance. This is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax did not report this breach in a timely manner, and even then did not provide notification to me through mail, phone, or email. When checking to see if I was affected on the Equifax website, Equifax chose to not provide a simple yes-or-no answer. They have only stated that " they believe my personal information may have been impacted by this incident. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these accounts XXXX and XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Product: Credit card

I reserved a rental car through XXXX. When I arrived at my destination and presented license, credit card AND proof of full coverage insurance, the rental car company demanded that I purchase their insurance. I refused and requested a refund. They told me to request from XXXX. 
I was unable to contact XXXX via telephone, so I opened a dispute with DiscoverCard.

Apparently, neither DiscoverCard nor XXXX is willing to resolve this issue in my favor. 

This is theft and I will also be reporting to the FBI. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last XXXX SS # : XXXX XXXX XXXX XXXX : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00}, and while reflecting XXXX ( XXXX ) late payment. Additionally the utilization percentage is also inaccurate as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ) So the increase amount is XXXX Adding the increase of XXXX to the original XXXX gives us : {$1200.00} + {$220.00} = {$1400.00} Therefore, {$1200.00} plus an 18 % increase is {$1400.00} which contridicts the account balance and past due amount {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

My vehicle was damaged when I placed it on third party app called XXXX. XXXX 's renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because XXXX XXXX reported it as a repossession, eventhough there were no late payments on the account. I had even contacted XXXX XXXX a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. XXXX XXXX was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments were made.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX /2024 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2700.00}
Product: Debt collection

I contacted transunion asking them to provide me with information regarding my bankruptcy and how they received my information I 've sent them letter and have n't gotten a response I contacted the bankruptcy court asking them how do they share information and do the report to any credit bureau agencies or third party they informed me over the phone that they do n't I 've ask if they can send me that in righting but they said they did n't it is to my knowledge that a credit bureau agencies can not receive any information from my bankruptcy from any other source only from the bankruptcy court and that they are to provide me with the information on how they verify my bankruptcy they have yet to respond I 've tried several time according to the fcra section XXXX they are required to send me proof of how my information was received and they have 15 days from the letter to respond but still nothing they told me over the phone they do n't have to submit me with that but I know that is untrue please help
Product: Money transfer, virtual currency, or money service

since XXXX I have an account in coibase and coinbase wallet I changed my phone number in XXXX and when I want to change to the new one it asks me to identify myself with a passport but I have expired and I can't enter. and the coinbase wallet asks me for 12 phrases that I don't have and I can't entern please help
Product: Debt collection

Ive contacted all three credit bureaus & XXXX XXXX to advised this debt isnt mines. Ive asked for the original agreement of the debt. Ive asked for this debt to be removed from all three credit bureaus ; Ive also asked for all calls to be stopped. As of today, the company hasnt removed this debt from all three credit reporting agencies.
Product: Mortgage

I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO REMOE THE FRAUDULENT ACCOUNT FROM MY XXXX CREDIT REPORT. I HAVE REQUESTED FOR XXXX TO PROVIDE PROOF THAT THIS ACCOUNT REALLY BELONGS TO ME, I NEVER REQUESTED FOR THIS ACCOUNT TO BE OPENED, I NEVER PAID FOR THIS ACCOUNT, AT LEAST IT NEVER CAME FROM A BANK ACCOUNT WHICH TRULY BELONGS TO ME. I HAVE BEEN SENDING MY IDENTIT THEFT REPORT TO XXXX TO REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM HYUNDAI MOTOR FINANCE, THIS WAS NOT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in 2021 from XXXX XXXX
Product: Debt collection

I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.
Product: Mortgage

I asked to let me escrow my own mortgage and I got a abusing call back saying no within 7 hours when they said it would take 3 days. And I was called a stupid XXXX
Product: Credit reporting or other personal consumer reports

all three bureaus are committing a direct violation of the fcra by blocking the consumer from their own identity this is also known as credit slander, defamation of credit, credit blocking and theft of identity.