23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.
Product: Money transfer, virtual currency, or money service

My online checking account at HSBC USA was fraudulently accessed ( hacked ). After getting access to my US account, the hacker was able to access my linked accounts in XXXX where I was living at the time. They transferred approximately {$30000.00} to the US accounts, and then attempted a transfer to another account. I notified HSBC USA of the fraud, and they were able to reverse the US transfer. However, I was charged about {$500.00} USD in currency exchange fees, which HSBC refused to reverse -- in fact, they didn't seem to even understand foreign exchange. In effect, HSBC USA profited from this criminal activity. It also took several weeks just to get my funds released, leaving me in XXXX with no money available. While I pursued the matter with every HSBC representative I could I reached a dead end and gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. 
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 XXXXXXXX Balance : {$290.00}. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Product: Debt collection

XX/XX/2018 and XX/XX/2018 I received a letter from NCC Business Services INC. I requested validation of alleged debt. I did not receive the requested items but instead a bill was sent, with documentation of XXXX work done. On XX/XX/2018 was my last request validation to no response from the company. As of today 's date, I haven't received any correspondence since my last request for validation.
Product: Credit card

I called Capital One to be removed as an authorized user as my ex common law husband is responsible and they could not find the account
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been goin on for yrs
Product: Credit reporting or other personal consumer reports

Equifax - The credit reporting agency has not had a working website in 5+ years. There are cases going as far back as 2010 where people recieve the same issue as what we are experiencing now. Every single thing you try to do including the creation of an account, logging into their account and freezing your credit says they are unable to complete at this time and to please call in. 

The SSN database was hacked for all americans and they need to act quickly to protect us or a giant legal case will present itself where they failed to spend the appropriate funds to maintain their site and now allow us to lock our info. 

The two other credit reporting agencies websites are 100 % quick, effecient and NEVER have issues. 

XXXX XXXX XXXX XXXX XXXX XXXX Does not work
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so XXXX can take those innacurate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are hurting my credit score and I cant take a home because XXXX is refusing to remove information that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " CURO '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.
Product: Student loan

Subject : Urgent : Correction Needed for Dept of Education Account XXXX Dear Dept of Education Representative, My name is XXXX XXXX, and I am writing to bring to your attention a critical matter regarding my Dept of Education account ( Account XXXX ). 

Address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Due to unforeseen health circumstances, I have become XXXX following a XXXX and am now dealing with XXXX. In light of my situation, it is crucial that I do not have any delinquent or negative credit items in order to qualify for government assistance. 

Account Details : - Account Number : XXXX - Ending # XXXX - Original Balance : {$2900.00} - Opened : XXXX XXXX, XXXX Issue : The account in question, with the ending number XXXX, is currently reflecting a 90-day late mark in XXXX, which is inconsistent with my understanding of the deferment agreement. All my loans, including this one, were taken out simultaneously and placed in deferment while I pursued my education. 

Other Accounts : 1. {$28000.00} ( XX/XX/XXXX ) 2. {$5600.00} ( XX/XX/XXXX ) 3. {$7600.00} ( XX/XX/XXXX ) 4. {$2900.00} ( XX/XX/XXXX ) 5. {$3900.00} ( XX/XX/XXXX ) Request : I kindly request an immediate update to reflect that this specific account was never late, or alternatively, its removal from my credit report. 

Contact Email : XXXX Your prompt attention to this matter is highly appreciated, as it directly impacts my eligibility for government assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX
Product: Debt collection

My identity was stolling, those account under my name was wrongfully open.
Product: Checking or savings account

I, XXXX XXXX ( previously known as XXXX ) was a Wells Fargo member from XXXX like to see if I'm a qualified candidate for the class action settlement against Wellsfargo for a possible payout? 

I dont have a copy of when i had a checking and saving account with them but i have proof of having a credit card account with them as well. I have attached the information below in the attachments
Product: Payday loan

I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.
Product: Credit reporting or other personal consumer reports

Today, XXXX XX/XX/2023, I received multiple credit alerts that XXXX XXXX XXXX made a " hard inquiry '' on my Experian credit report. This is the second fraudulent " hard inquiry '' from XXXX in less than a month. 

I called XXXX XXXX XXXXXXXX XXXX. XXXX was unable to help me. 

I attempted to file a dispute with Experian. I was told by the agent that I have to call the fraud department and that it will not be open until tomorrow. I will call them tomorrow and attempt to report the fraud.
Product: Debt collection

Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off
Product: Credit reporting or other personal consumer reports

AAFES is the original creditor for my Military Star account, not a third-party debt collector. However, their collections department sent threatening correspondence that mimicked collection agency tactics, including references to Treasury Offset, garnishment, and credit reporting. They did not identify as a debt collector or provide FDCPA disclosures, yet they implied serious consequences if I didnt agree to a voluntary repayment plan. 

I signed that repayment agreement in XX/XX/year>, agreeing to pay the full balance. Since then, I have paid on time and in excess of the required monthly amount. XXXX not in defaultIm catching up per the terms. I am paying the original creditor directly. 

Despite this, AAFES reported the account to Experian as XXXX days delinquent. They omitted my repayment plan, did not show my consistent payments, and excluded all prior positive account history. I disputed this twice : First dispute : I explained the repayment agreement and asked them to show the account as paying as agreed they completely denied the dispute. 

Second dispute : I requested that they include the years of on-time history and acknowledge the repayment activity instead, they added 120+ days late without correcting or restoring any payment history. This feels retaliatory, not corrective.

Their reporting is materially misleading under FCRA 607 ( b ), and Experians continued verification without evidence violates FCRA 611 ( a ). The creditor threatened consequences to get me into a plan, then reported me as delinquent anyway and worse after I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The was an illegal inquiry/pull of my credit report by syncb paypal in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX  XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and again in XX/XX/XXXX, I disputed inaccurate information on my credit report with XXXX, TransUnion and XXXX Credit Reporting Agencies. I sent letters in the mail that my name is being reported inaccurately as well as inaccurate reporting of fraudulent accounts. I provided an updated Driver 's License and Utility bill with my accurate and up-to-date information to correct my name and address. I also requested that these 3 Consumer reporting agencies to validate with proof that XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX are all fraudulent accounts and they sent me a notice via mail that the information on my consumer report has been verified without providing any proof of such verification. TransUnion and XXXX continues to report that the information in my report has been verified. Verified by who? If I am the consumer, who has authority to validate who I am?
Product: Money transfer, virtual currency, or money service

I Planned to rent a 1 bedroom in my house and placed an ad in XXXX I got response from the ad and one lady XXXX XXXX XXXX said she is interested in taking the room but she never spoke to me over the phone saying that she is XXXX  all the communications were through email & phone number. 
XXXX XXXX XXXX She said currently she is living in XXXX XXXX , as she got a job in XXXX   she is moving to XXXX  so her company is paying her relocation charges she is gon na send me a check where I can take the rent & rest I can transfer to her account. 
I received a check on my Husband 's name XXXX XXXX XXXX XXXX, for the amount of {$7800.00} he went to Bank of America to cash the check they gave the cash instantly but bank of America banker has not informed us it's a big amount check if there is anything wrong with the check they are gon na take the money from our savings account, check got returned on XX/XX/2020 Bank of America has taken the amount {$7800.00} from my savings account which I have saved for my bad time, With the current scenario going on I would like fraud department to elp me out in this regard to get my money back I have a XXXX years old kid at home with this COVID -19 I'm not sure how I'm going to survive in this scenario I have my house mortgage, I have my car loan I have my car insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof that made a constitutes settlement in full of the account. I attached the letter to show proof that this settlement in full
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have rights to preserve the fair and accurate reporting of all accounts on my consumer report and Consumer File. I have disputed accounts that have been already removed because they were lawfully supposed to. I now see those back on my account. These are accounts of unvalidated and inaccurate reporting. These are also appearing without my consent, written instructions per 15 USC 1681b, nor was I notified in writing that they are reporting this information. This Consumer reporting agency is not in compliance with 15 USC et seq, nor 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ). I have instructed EQUIFAX to remove ALL Late payments, delinquencies, inquiries and ALL of the negative Items and reporting. They are reporting Income Charge-offs '' ( per the IRS ) on my report, and they are sharing late payments on accounts that fall under the authority of XXXX5 USC 1666b where late payments are not to be reported. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I sent a Cease and Desist letter out to each company listed below. Asking them to stop contacting me by phone. email, mail, etc. They have disregarded my request and continue their effort to collect on an alleged debt they say I owe their respective companies. I informed them I did not recognize any of these debts nor do I owe them for any outstanding debts. But they continue to violate my rights under 15 U.S. Code 1692d which clearly states a debt collector engages in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation.

15 U.S. Code 1992c which clearly states a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card

Received email XX/XX/year> XXXX from XXXX XXXX stating a credit card account was created under my name and that tires were purchased in XXXX XXXX NY in the amount of {$1300.00}. I live in Texas and I did not open an account with XXXX XXXX nor did I purchase tires from them. I contacted the XXXX XXXX store in XXXX, NY and was told there were other fraud accounts also opened at their store the same day. They cancelled the order. I contacted the credit card company and they told me they would close the account and file fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.
Product: Credit reporting or other personal consumer reports

The paid in full account with XXXX XXXX is still reporting incorrectly on my credit reports. I have disputed this information over and over and over again, to no avail. Each time the information gets more messed up than the time before. And I continually get the same response from the credit reporting agencies " the information is reporting correctly ''. But, it is NOT reporting correctly, not at all. This is causing me to be turned down for a mortgage and keeping me stuck way over paying for rent when I could be putting money towards equity in a home. All of the late payments are incorrect, and among other things, are reporting the last 90 day lates months past when I sold the home, how is this even possible? Each Credit Reporting agency is showing different information. I know exactly how the information should be reporting, but after literally dozens of disputes, letter mailing, faxing and phone calls. I just do not feel that it should be up to me to show the credit reporting agencies how they should be reporting. I do know that its against the law to continue to report incorrect information for over a year. At this point the entire tradeline needs to be DELETED. If not I will have no other choice but to hire an attorney and take the credit reporting agencies to court. I don't want to do that, but I honestly do not know what else to do at this point. I am at my wits end. The data furnisher points the finger at the CRA 's and the CRA 's point the finger at the data furnishers. This is insanity. I have filled complaint after complaint and dispute after dispute. And each time I get nowhere, but my reports just get more messed up. This just isn't how a XXXX veteran who served this country honorably, or anyone else for that matter, should be treated. And their credit ruined. Its just not right.