23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.
Product: Checking or savings account

My sister XXXX XXXX XXXX is XXXX  of my mothers estate. She has been trying to get copies of all statements ( checking, savings, XXXX XXXX irs, etc ) from bb & t, now truist and they are having problems getting them. Shes requested statements for the 18 months prior to our mothers passing. Would appreciate help. 

Please provide copies to estate attorney. XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX Ss # XXXX Thank you
Product: Credit reporting or other personal consumer reports

My report contains inquiries that I did not approve. Kindly delete all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to case XXXX also. Yesterday, XXXX XXXX, 2017, I received a response from XXXX in regard to my response to them on their claim that they were unable to verify my current address. 

In my response to them ( attached as exhibit on above mentioned complaint ) I specifically requested that they DO NOT provide me with my annual free credit report, as I wished to request that at a later date, rather that they ONLY use the information to confirm my current address. In spite of this, they issued my report to me, now making it impossible to re-request my report at a later time for free. 

In addition, I requested a credit freeze on my account and was issued a credit freeze PIN, which was confirmed by them in a letter sent to me via USPS mail. I am STILL UNABLE TO CHANGE MY PIN either online or via telephone, and I AM STILL UNABLE TO ACTUALLY SPEAK TO ANYONE WHO CAN ASSIST as I CONTINUE TO BE HUNG UP ON BEFORE BEING CONNECTED TO A CUSTOMER SERVICE REP. As a result, I am currently COMPLETELY LOCKED OUT OF MY XXXX ACCOUNT and I do not know where else to turn for assistance!!!!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 Trust 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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit card or prepaid card

I received a letter in the mail from XXXX XXXX regarding an account that was fraudulently open under my name. I called XXXX XXXX  the first week of XXXX immediately when I found out and reported this account was fraudulently and I didnt not make that purchase. They told me I would be receiving a resolution within 30 days confirmation XXXX. I didn't received anything from them. It turns out a XXXX statement mailed to my house showed another purchase made with this account within XXXX weeks of the first purchase. I called them again on XX/XX/22 and they told me they would put a hold on the account and send me an affidavit to sign disputing the charges confirmation XXXX. Its XX/XX/22 and still haven't received anything. I receive a XXXX statement on XX/XX/22 from this company. The charges still haven't been removed but reinstated. They still have not sent me any paperwork to remove this account. I really need help getting this account closed and taken off my credit report. I have no idea how they even opened this account. If the statement was never sent to my house I would have never known this account was open under my name.
Product: Credit reporting or other personal consumer reports

i asked for this charge off from XXXX XXXX to be removed from my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 

I ask that the items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I believe the account is invalid. XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX, XXXX
Product: Mortgage

I received my annual escrow analysis which shows a shortage of {$110.00}. My XX/XX/XXXX beginning balance was projected to be {$1700.00}, but it was actually {$2000.00} ( a {$260.00} surplus ). My 12 month ( XX/XX/XXXX - XX/XX/XXXX ) escrow payment is {$250.00} which totals {$3000.00}. Added together my 12 month projected should be XXXX and my 12 month actual would be XXXX. My projected city , county taxes and homeowners insurance comes to {$3000.00} and my actual was {$3100.00} due to a {$79.00} per year increase in insurance premium. If I subtract the actual taxes and insurance of {$3100.00} from my 12 month actual of {$5000.00} I should end up with a balance at the beginning of XX/XX/XXXX of {$1900.00} where they are showing a final actual balance of {$1700.00}. This equates to a difference of {$250.00} which is exactly 1 escrow payment and is greater than my supposed shortage of {$110.00}. My statement shows a {$0.00} increase in the month of XX/XX/XXXX. US Bank is stating that this was due the analysis being performed in XXXX and not counting that month 's payment in the actual, yet my payment was posted early in the month and they are showing payments and balance increases for XX/XX/XXXX and XX/XX/XXXX. I have spoken with 2 representatives and requested a review with no change in their stance. They have also refused to perform a 2nd escrow analysis, as they say then can't unless I am refinancing my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

This person XXXX from Warner asset legal department services kept calling me and my husband. I didnt even gave my husbands number and doesnt know anything about this debt company calling us.
Product: Debt collection

Company incorrectly reporting debt causing negative impact on credit report. No contract between debt collector and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX Section807 ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( 2 ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( 3 ) : No signed invoices EXIST ( 4. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( 5 ). There is no wet ink signature by both parties ( 6 ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The XXXX XXXX XXXX is incorrect. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

In XXXX of XXXX I went into the office and discussed my reasonable accommodation for ending my 13-month lease by XXXX of XXXX. I resided at this residence for a total on 12 months but I was charged for 15 months my first copy of my lease had an error it stated XXXX for XXXX  XXXX that I didnt move into the 2nd lease they gave me stated it was only 13-month for XXXX  XXXX which I did reside in. I turned in my notice to vacant twice in person and by email. The property agreed to honor my notice and told me I wouldn't be penalized or charged the breaking lease amount. My amount due was only {$1800.00} I kept all my emails and Forms of communication. Once I moved out of the unit I took photos of every thing and sent a final email to management to confirm the details. A few months later I received multiple letters and phone calls from a debt collector trying to make me pay {$4700.00} for that unit. I asked for the itemized bill and tried to negotiate with this debt collector by presenting all my proof representing the agreement.The persons response to me was that unfortunately I would have to call management there because they are only debt collectors and don't handle disputes. I called and spoke to a new manager at the property she couldn't verify the Additional two months of charges for rent plus utilities that were added to the bill. I showed her the old property manager as well as my photos of moved out day and the confirmation that was sent back to me agreeing that I didn't owe anything. Her response was because it's been a year she couldn't account for anything the old property manager agreed to.
Product: Consumer Loan

I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
Product: Debt collection

I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt on my Credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hi. Im filing this complaint in reference to my loan that I reinstated and had a lot of outrageous charges. Since pandemic i struggled to make payments. I tried loan modification several times but SLS says they never got a complete package. The fees, attorney fees amount was extremely high for the reinstatement. Even though foreclosure never happened those fees are outrageous. I talked to a rep in XXXX and the amount to reinstate was $ XXXX, they attached alot of unnecessary fees to make it over {$17000.00}. Im requesting that SLS reduce all those unnecessary corporate fees, attorney fees and other fraudulent fees and credit that towards my principle balance or send me a check for the fraudulent charges that was added to my account. I borrowed over {$170000.00} from family member to reinstate my loan. None of that went to my principal balance because its still the same as it was when I fell behind due to the pandemic. after I made a XXXX payment. Those funds should have brought my principle down from what it was in XXXX of 2020. My balance is still the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue.

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well.

Please find my updated contact information, and update it inside the personal statement ( s ), and such!

Best Regards, XXXX
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 violates 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 unprotected and vulnerable. Furthermore. They dispute resolution Process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer ( 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

Vehicle loan thru XXXX is still showing it as open and having a XXXX $ balance as of XX/XX/XXXX it should have been closed and fell under under service member credit relief act. Since I was a XXXX XXXX  waiting XXXX retirement. It has caused numerous problems with me obtaining new auto loan and they typically effect my score it was open in XXXX and it should be off my credit report but instead it's still showing up as an open account and as a active loan.