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

I received loans with these companies. I was unable to make the huge payments so I went with a debt solutions company to help consolidate the payments and lower the percentage rates. XXXX XXXX XXXX was able to get my payment to {$550.00} twice a month. Im am still really struggling to make this payment. I can not continue this payment as it is too much of a strain. I do not want to default on my obligations but the costs associated with the loans are exorbitant. Any help would be greatly appreciated as I do not wish to file bankruptcy. I am also wondering about the legitimacy of these companies to charge these high APR 's ( Arrowhead is 601.15 %, XXXX 228.37 %, XXXX ( 228.37 %, XXXX 176.03 %, XXXX 139 %, XXXX 134 % ). I reside in SC and am not sure of regulations on these companies. Thank you, XXXX 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 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. Also, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me and my rights under the FCRA. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Product: Credit reporting or other personal consumer reports

some of these accounts have been removed from other credit files but they are still here reported on here requesting immediate removal as these are due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Venmo told me I must give them my social security number in order to continue using their service. I refused and closed my account. I asked to be removed for all of their lists - phone, email, snail mail, etc. I keep getting emails. I have asked them now at least 6 times to stop sending me email. They have confirmed around 5 times they have deleted my email address and that I will not get any more email from them. They keep sending me email. This is highly problematic and could be a systematic problem for a supposedly high security financial institution with no or poor internal controls. Regardless, they refuse to stop contacting me after multiple requests - and multiple assurances to the contrary.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received several calls for Kohl 's with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from Kohl 's since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX XXXX PST. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX XXXX the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. Capital One, its affiliated banks and Kohl 's have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from Kohl 's on this new payment. I have written XXXX and Kohl 's Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to Kohl 's and XXXX. New statement information on Kohl 's shows they reveresed the charges after I paid them and then billed me more late charges and interest.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate information currently listed on my credit report. This error is unacceptable, and I demand that it be corrected or completely removed without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my dispute relates to all three credit reporting agencys. But the most troubling is Experian. XXXX instance we can look at an account on my report under university XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XXXX and later in XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XXXX. Its being updated in a way to appear newer in my report than it is. Experian is impossible to deal with and Im getting tired of not getting help.
Product: Credit reporting or other personal consumer reports

I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Hello, My name is  XXXX   XXXX  I rented Unit  XXXX   XXXX   XXXX   XXXX  MD  XXXX   Apt   XXXX  .I re nted an apartment from  XXXX  at  XXXX  in  XXXX  MD. I lived there from  XXXX   XXXX  thru  XXXX   XXXX   XXXX . I ended my lease due to stuff being taken out my apartment. There was no balance left for rent or etc. However, after 90 days  XXXX  contact me & sent {$840.00} in utilities to collections. I am baffled thattheyare allowed to do such a thing with no regard for past clients. I had utilities turn on in my name on my  Move n dat e which was  XXXX   XXXX   XXXX , I faxed a copy & dropped a copy of my bill over to the leasing office upon moving in & out. I was instructed that everything is in order, I had kept electricity on in the unit upon until I moved out. I had to have services turn on prior to moving in and picking up the lease which I did.  XXXX  is claiming I owe them money when in fact I do not owe them any money.  XXXX  at  XXXX  is not a " utility company '' which they clearly state this in their lease on p age ( 10 ).  If they are not a utility company how are they allowed to bill me for services wh en I had " Service '' in  my name from the local utility provider? I also have a letter from the utility company which states upon me moving out of that address, I had servicesin my name from  XXXX  until I moved out, and balance is {$0.00}.  XXXX  sent my name & personal information over to FAIR COLLECTION OUTSOURCING IN MARYLAND a collection agency for whom, I disputed and they just sent me a copy of a lease nothing else.  XXXX  & Fair Collections have illegally placed a collection account on my consumer credit profile, I have also sent the Collection company a " debt validation letter '' to which they fail to answer any of my request and instead placed this incorrect, negative information on my consumer credit profile hurting my ;  XXXX   XXXX  so much so that it is now affecting my everyday way of life. Please contact me at  XXXX .
Product: Credit reporting or other personal consumer reports

I called them because my XXXX  representative told me that my social security was wrong on there end of transunion so i called them and when i was starting to talk about the problem the person hung up on me rudely. I was trying to explain but they had no reason to just hang up like that. After many attempts later of getting ahold of someone XXXX person told me the same thing thats a little helpful. I dont understand why i have to be going out of my way to fix an error that was transunions fault.
Product: Credit reporting or other personal consumer reports

I have noticed a few accounts on my credit report that show that they have been PAID, or CHARGED OFF. I have also noticed these accounts still have balances on them, I would like to obtain a 1099-C copy for each of these accounts. 

XXXX XXXX - [ Accout # XXXX ] - Date Opened - XX/XX/XXXX - Balance - { {$490.00} } XXXX XXXX XXXX - [ Accout # XXXX  ] - Date Opened - XX/XX/XXXX - Balance - { {$360.00} } XXXX XXXX XXXX - [ Accout # XXXX ] - Date Opened - XX/XX/XXXX - Balance - { {$600.00} }
Product: Student loan

After my student loans had went into repayment the payment amount was too high. As a result of the high payment I had applied for options regarding a lower payment. The documentation that was requested to make arrangements was sent to the company. The documentation was either not enough or not what they needed. As a result to the runaround my credit report shows that I have 84 missed payments from XX/XX/XXXX-XX/XX/XXXX a total of six missed payments for each student loan account as they are not consolidated. I was finally able to get onto an income driven repayment plan after speaking to the right person and bring the account to current.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to remove any erroneous accounts from my credit report. Can you check the documents? There are some inaccuracies in the listed accounts, such as wrong amounts and dates.
Product: Vehicle loan or lease

keep getting charge when i make an schled payment thy charge an extra XXXX bucks to pay on line when they say its free to make a payment with rep its XXXX bucke by auto system XXXX buckes these fees are not explaind to the customer when you get the loan pluse thy will not tell you how much of the payment goes to prinsable or intreast on the loan i asked but got told it alreADY FIGURED IN THE LOAN hidden fees not explaind
Product: Credit card

Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing.
Product: Credit reporting or other personal consumer reports

Fraudulent account opened thru XXXX  XXXX XXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.
Product: Debt collection

Under 15 USC 1692g Portfolio Recovery XXXX, XXXX dont have the permission to say I owe anything. 

Under 15 usc 1602i " characterizes the transaction as one in which the party to whom credit is offered r extended is a NATURAL PERSON '' .thus as per this statute, a consumer is a natural person, thus, can not be a organization which makes me XXXX XXXX the original creditor. 

Under 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Portfolio Recovery Associates have committed five violations Under 15 USC 1692k 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting

After submitting no less than XXXX disputes to Equifax they are still reporting a debt that has been deleted by both XXXX and XXXX, as the date of last activity on the account was XX/XX/XXXX and seven years have passed. Equifax has not supplied me with any documentation supporting their XX/XX/XXXX date of last activity. I have contacted XXXX XXXX XXXX and I was told they can no longer access my account records. Equifax 's own payment history chart reflects that the XX/XX/XXXX date is correct, yet they have stated on the phone that they are using the XX/XX/XXXX date because that was the date supplied to them. They have provided me with no documentation to support their XX/XX/XXXX date. Equifax only directs me to " follow up with the creditor '' because they " have no authority to delete the entry '' as they merely report information. When asked to provide documentation regarding their multiple investigations into this issue, I was told " the creditor confirmed the date is accurate '' and " you have to go through the creditor. '' Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Student loan

I took out a loan through Genesis for an education through XXXX XXXX, XXXX, Oh. Under the sale of the debt there was to be a 40 % reduction in my loan. Nothing has been done. At this time this is my complaint. A detailed complaint regarding my federal student loans will be forthcoming as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 DATE OF OCCURRENCE CREDIT REPORT FROM TRANSUNION SHOWS ON XX/XX/2018, THERE HAD BEEN A HARD INQUIRY FROM XXXX XXXX XXXX XXXX. AND THIS IS FALSE. I DON'T WANT IT ON MY CREDIT REPORT FOR TWO YEARS, OR TWO DAYS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX case # XXXX. 
Account # XXXX XXXX XXXX  is charging me {$350.00} for a service I cancelled and was not using. I have reached out to the company on multiple occasions. 
I am currently contacting the police to get data from the XXXX XXXX towers. To show that their wifi has not been in use. I am contacting my brother who is in XXXX to provide proof of when he started service with XXXX  at our home. I am also waiting on XXXX to send the billing statements as a courtesy to show proof that I never missed a payment since 2017. I also have an email proving I said to cancel and also a shipping label that they sent out for their equipment, yet I was still being charged for this account. No one cares to assist me with this issue at the XXXX XXXX company. They stated to me we dont see a cancellation call request. Despite of all this proof and evidence. Im escalating it now. This {$350.00} is an unjust charge.
Product: Debt collection

We owed a debt with the company Pro Collect. We paid the settlement amount however after 90 days they have yet to accurately report to the 3 credit bureaus as promised.