23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, TransUnion and XXXX have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. 
Thank you for your assistance.
Product: Debt collection

XXXX XXXX XXXXXXXX has added a XXXX debt to my credit report that dates back to XXXX. I didn't move into to complex and no furniture was ever placed. I leased the apartment while XXXX  and went into the hospital and never actually moved in. I have asked to show proof how this amount is owed. I paid the NSF off with the bank for deposit and XXXX months rent. How would I owe XXXX? Can a company wait 5 years to place such a debt and never once notified you of the so-called debt. I would like this removed off immediately.
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 ( CFFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 Electric 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, credit repair services, or other personal consumer reports

Multiple companies unable to pull Equifax credit report
Product: Credit card or prepaid card

Synchrony closed my credit account with out any notification. I just received a statement with a due date XX/XX/XXXX. I pay every month for unemployment protection. I recently switched jobs and fell behind 60 days now. They closed out my account and sent it to a collection. I would like to know why I was not sent anything showing that there was going to be a significant change to my account such as closing it, according to the card act of XX/XX/2009 they are suppose to send a 45 day notice of such a change? Why am I not able to use the protection I've been paying monthly for over a year now that I was unemployed. They are deceiving their customers and closing out accounts without helping customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to Equifax over and over. Equifax has denied me the right to a fair credit report. Equifax knows that they allowed my information to get hacked! Before this situation I was a victim of identity theft! Equifax has a copy of the report. Equifax also has a Statement from a federal agency providing proof that my identity was stolen. A young lady got arrested for using my information and this was verified by the XXXX department. I have spoken to several Equifax employees and they have been very rude. The last XXXX people that I spoke with have been gabriella and XXXX whom were very rude. I have hospital bills reporting on my credit report that are fraudulent. I am a mother of XXXX who receives XXXX. I 've always received XXXX. It is against the law to bill someone who has XXXX unless it 's a co pay. These are fraudulent accounts that are not my accounts. I live in Nd. I have no reason to go to another state and accumulate a Medical bill when I have XXXX and reside in the state of ND. I am trying to purchase a house that has been repossessed from a family member that is now deceased. Equifax has denied me the right to a fair credit report. I need these FRAUDULENT ACCOUNTS REMOVED! THEY AGREED TO REMOVE THE FRAUDULENT INQUIRIES BUT NOT THE FRAUDULENT ACCOUNTS! Please help in making sure Equifax is allowing all races a fair credit reporting rights!
Product: Credit card or prepaid card

Upon checking my credit report and my po box . I see that a credit card is reporting from your company and i am getting bills sent to my po box for this credit card. I was recently in the market of purchasing a house and gave a realtor all of my information including bank information for my deposit/down payment. When i talk to the realtor again i was told that i didn't get the house but i should get a denial letter stating why. instead of a letter i am receiving bills and not only bills payment have been taking out of my account to pay this credit card. i never applied for this card and i didn't give this realtor information to apply on my behalf. the weird thing about this is that i never had this card in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with affirm.com on XX/XX/XXXX for a mattress. 

Everything was fine until I made an accidental overpayment on XX/XX/XXXX. I sent a payment of {$1000.00} rather than the {$100.00} I was trying to pay. 

I contacted them immediately by phone to let them know of my mistake. 

They refunded the entire payment of {$1000.00} on XX/XX/XXXX and did not withhold the payment due for the month of XXXX. 

When the refund was returned I received an email in their " private message ' system that they were aware of the error showing I was deliquescent and would correct it. 
I thought everything was good and continued to make payments. This private message system is oy available through the original email link I was sent that i no longer have access to. 

They hounded me via email for months about the alleged deliquescency. I called multiple times to try to correct it and was told it was a glitch that would be fixed. 

It wasn't. 

I finally decided to cancel the order altogether to get the loan cancelled in XXXX. 

3 days after they refunded refunded all payments, they reported me to XXXX as deliquent over 30 days. 

I disputed it with XXXX and affirm confirmed it was accurate. 

You can not reach anyone at affirm other than a call center.. 

In order to prove they are wrong I opened a XXXX loan with a subsidiary of nectar on XX/XX/XXXX and was approved for a {$1900.00} loan... If I'm a debtor, you would think they wouldn't allow another loan. 

My credit score has been damaged by about XXXX points and I've no option but to do this. 

I already filed a complaint and sent in my documents that your office lost and was told to file again so here we are
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

Dear CFPB Team, I XXXX XXXX am writing to request your assistance with an urgent issue involving Truist Bank, which is withholding funds from a wire transfer and causing me significant financial hardship. Below are the details of my situation : XXXX. On [ XX/XX/year> ], I deposited a check for approximately {$96000.00} from my business partner as part of disbursing funds from a business closing. Unbeknownst to me, the check was accidentally drawn from an old, closed account due to an error in selecting the wrong account file. 
XXXX. As soon as we realized the check was invalid, my business partner sent a wire transfer to Truist Bank for {$81000.00} on [ XX/XX/year> ]. This amount was {$15000.00} less than the original check because that {$15000.00} was now due on another deposit, as clearly explained in the wire transfer wire notes. ( I attached the wire ) XXXX. Despite receiving the wire transfer, Truist Bank has not released these funds to my account. This delay has caused other checks I wrote to bounce, leaving me unable to buy food, pay bills, or meet basic living expenses.

I have contacted Truist Bank various times over the last week to request the release of the {$81000.00}, but I have not received a clear explanation or resolution. Their failure to disburse these funds, which were sent to correct an honest mistake, appears unjustified and is severely impacting my financial stability.

I believe TRuist Bank actions may violate consumer protection laws, including those related to the timely availability of funds under federal regulations. I am asking for your help to : - Release my {$81000.00} wire, - Ensure the immediate release of these funds to my account. 
please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information is on my report and keeps appearing. Ive XXXX with XXXX for months and they understood that the information was incorrect. One of the things that are wrong on the report is the Hit and run accident I was involved in, it was not my fault XX/XX/2017. Also on the report XX/XX/2017 I was pulled over going to a funeral, and I didnt have my license which was Valid at the time. They late had me come show my drivers license and they threw the case out
Product: Student loan

In XXXX, I attended XXXXXXXX XXXX  ( formerly XXXX XXXX XXXX ) in XXXX, Fl. I was informed by someone in admissions that I could not take out a Federal student loan with XXXX XXXX ( now Navient ) because I have exhausted all possible funds and had to apply for a Private student loan through XXXX XXXX. I thought it was odd considering, at the time, I only had about $ XXXX - XXXX in current Federal student loan debt from my XXXX degree in XXXX. But I complied, because I wouldn't have been admitted if I hadn't. I took out a {$10000.00} private loan. Since graduating, I've had a mix of difficult times and going back to school. So the loan has been put on deferment and forbearance along with late payments up until XXXX. In that time, my {$10000.00} loan skyrocketed to {$30000.00}. I have been making good on ALL payments to Navient since XXXX. In 6 years of good payments, the {$30000.00} has been paid down only about {$5000.00} and is now at {$25000.00}. I've been paying mostly interest for 6 years and not expected to pay off the loan until XX/XX/XXXX! 
When I spoke to the complaint dept at Navient, they confirmed that I should have been able to take out a Federal student loan back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on credit report. 

XXXX. XXXX XXXX XXXX {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with both XXXX XXXX XXXX XXXX XXXX and Equifax, XXXX had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX got me sick and almost killed me. When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent Equifax, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to Equifax XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per XXXX XXXX  XXXX  agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on Equifax so I disputed it again with the {$0.00} balance letter I received from XXXX on XX/XX/XXXX. 

So this afternoon i got an email alert from XXXX ( a service i pay for ) saying Equifax posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of XXXX with accuracy mistakes and fairness. Some " XXXX ' from a third world country, who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because Equifax, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a " Congratulations Your XXXX  XXXX Balance now has a XXXX balance '' letter, but Equifax screwed it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.
Product: Student loan

Hello, Im filing a complaint about a student loan that was taken out without my authorization through XXXX XXXX University. 

When I was a student at XXXX XXXX the first year I took out a school loan. Paid it all off. I then went for another semester which I paid out of pocket every month. Personal issues came up and I did not attend XXXX XXXX university ever again. I did express that to a XXXX XXXX that I would not be attending. It just now accrued to me my credit score dropped almost XXXX points because of a unpaid loan. I never authorized this, I paid off my loan and anytime I was there. 

Can I please get more information on this and please have it resolved? I have all the proof I need to show that this was not me who authorized the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax refuse to remove missing or late payments on closed accounts in addition to not removing the information on a closed account they are unwilling to take off report information such as late payments on closed accounts written off accounts charged off accounts from creditors it is very unlikely that four things are occurring and being reported on my credit the account can not be past due charged off written off and late payments from 5 years ago.In accordance with the fair credit Reporting act XXXX Account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

540In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company keeps calling several time a day. We have asked them to send a statement in the mail so we can verify what exactly the debt is for. They told us that would just take further action and hung up on my wife. They called me at work after I asked them several times not to call me at work. When I asked them to send a statement in the mail they gave me their address and said they emailed us a statement. When I again asked for a paper statement they said they would just have me served. They are also calling my mom and dad and giving out my birthdate and the last XXXX of my social security information. After several times of them telling them not to call they keep calling them. We have asked them several times to send us a statement and when we do that they threaten to have us served and hang up.
Product: Debt collection

The CBE Group , Inc. or CBE companies are calling day and night like crazy.

Looks like it is a robocall and a harassing technique.

I have no idea why they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Metro 2 Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issue with my credit file reflecting inaccurate information. I am XXXX XXXX I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Please delete these from my file they are not accurate. My name is spelled XXXX XXXX XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : 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, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX   XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX Pursuant 18 u.s.c 8 I do not own any debt, this company is violating my consumer rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has history that began in XXXX with the merger of two British credit information companies, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. XXXX was an credit reporting agency in the United States, while XXXX XXXX operated credit bureaus in the XXXX XXXX. The merger formed Experian. Experian 's contribution to the credit industry came with the introduction of the FICO credit score in XXXX, developed in collaboration with Fair Isaac Corporation ( FICO ). EXPERIAN came into existence in XXXX, consumer reports have been around for centuries. EXPERIAN came into existence after CONGRESS had passed the FCRA. EXPERIAN is not a Government Entity but is demanded to perform under Government Law. Under CONGRESSIONAL LAW EXPERIAN is DEMANDED perform ALL DUTIES and RESPONSIBILITIES with RESPECT, INTEGRITY and ACCURACY to the consumer. Congress within the FCRA has clearly and directly classified EXPERIAN as an ELABORATE MECHANISM who has ASSUMED its role to gather my personal identifying information and furnish a consumer report without my consent nor PERMISSIBLE PURPOSE 15 USC 1692b. EXPERIAN you have abused me by violating my Federally Protected Right to PRIVACY and have furnished information on my behalf without permissible purpose as CONGRESS has demanded you need and you have WILLINGLY without LAWFUL GONGRESSIONAL AUTHORITY have chosen to furnish negative information on my behalf that has negatively impacted my reputation causing me to lose credit opportunities and the ability to EXERCISE MY RIGHT TO CREDIT which is a clear and direct violation under TITTLE 18 USC 242. This is a FACT because CONGRESS under the Fair Credit Reporting Act due to your abusive practices in your earlier years has clearly and directly demanded you to EXCLUDE ALL TRANSACTIONAL ACCOUNT INFORMATION INCLUDING EXPERIENCES from a consumer report see TITTLE 15 USC 1681a ( 1 ) ( 2 ). EXPERIAN YOU HAVE WILLINGLY WENT AGAINST YOUR CONGRESSIONAL DUTIES AND RESPONSIBILITIES AND WILLINGLY FURNISHED INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS YOU EXCLUDE HURTING MY REPUTATION AND ABILITY TO EXERCISE MY RIGHT TO CREDIT FALLING DIRECTLY IN VIOLATION UNDER TITTLE 18 USC 242 FOR DEPRIVING ME OF A RIGHT. I HAVE REQUESTED IN ABUNDANCE TO HAVE THESE ACCOUNTS REMOVED UNDER CONGRESS REQUIREMENTS AND YOU HAVE IGNORED ME AND HAVE NOT SETTLED IN GOOD FAITH. I AM DONE DEALING WITH THIS ISSUE AND YOU ARE LIABLE UNDER TITTLE 15 USC 1681n AND TITTLE 15 USC 1681o FOR WILLFUL AND NEGLIGENCE HARM TO A CONSUMER DEPRIVING THE CONSUMER OF A FEDERALLY PROTECTED RIGHT VIOLATING TITTLE 18 USC 242. NOTICE IT IS A FACT YOU ARE ALSO UNDER VIOLATION OF REGULATION Z OF THE CFPB.
Product: Credit reporting or other personal consumer reports

I have a medical debt on my credit report something from probably over 7 years ago. From XXXX XXXX XXXX. It has ruined my credit it went down almost XXXX points. This I found on XXXX. I have initiated dispute but I have never gotten far with them in the past.