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

On XX/XX/2021 I received my credit report showing several payday loans from this company. ( Speedy Cash ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. Speedy cash then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Money transfer, virtual currency, or money service

I accidentally bought XXXX Ether and put it in my Ethereum Vault. What I meant to do was put it in my Ethereum Wallet. It was too late to change the destination as I already initiated the purchase. So after making the purchase, I proceed to immediately withdraw the Ether from my vault to my wallet and was informed of the 48 hour waiting period. Ive surpassed 48 hours and still have not received my XXXX Ethereum in my wallet. This is all on the Coinbase Mobile App.
Product: Credit reporting, credit repair services, or other personal consumer reports

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE 1099C AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX  XXXX, XXXX XXXX XXXX, In ( Revolving  ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Georgia XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN IS STILL PULLING PROMO INQUIRIES FROM XXXX/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.
Product: Credit reporting or other personal consumer reports

Hello, I have reported to both XXXX and Equifax that a collection company continues to reset the origination date on an old collection account, falsely reporting it as new. This practice is fraudulent, as the law explicitly states that the 7-year credit reporting clock begins on the date of the missed payment.

I need this issue resolved with both the credit reporting bureaus and the collection company. I do not understand why the credit bureaus refuse to remove this inaccurate information. 

For reference, my XXXX XXXX account number is XXXX. You can access account details at XXXX XXXX XXXX  or by contacting XXXX. XXXX directly at XXXX.
Product: Debt collection

They have listed on my credit report but made no attempt at contacting me. Suspect this is zombie debt. Set open date incorrectly for sure
Product: Credit card or prepaid card

I received a Letter from Wells Fargo dated XX/XX/2022 denying me a credit card. ( Application XXXX ) In the letter was information from XXXX about my negative credit rating ( XXXX ) and delinquencies on payments. 
1. I never applied for this credit card. 
2. My credit rating has always been in the high XXXX or low XXXX. 
I checked with XXXX on XX/XX/2022 my credit score was XXXX ). 
3. I contacted Wells Fargo four times by phone informing them I did not apply for their credit card and to immediately cancel the fraudulent application. 
4. The result of all four phone contacts is that Wells Fargo has not cancelled the application. 
5. If Wells Fargo does not cancel this fraudulent application but instead categorizes it as being denied for credit issues while using erroneous, incorrect information it will appear on my credit report as being denied. 
6. Wells Fargo obviously furnished XXXX incorrect information from a fraudulent application that was not my correct information. 
7. I received a letter and five page Declaration of Fraud form from Wells Fargo. The form asks me to investigate whether or not this is a fraudulent application. Additionally the form threatens me with criminal prosecution if I submit a false declaration. 
8. I am unclear why and how I am responsible for investigation of this fraudulent application. Particularly since it was Wells Fargo that submitted erroneous, falsified information about me to XXXX. I have never experienced this level of arrogance, and unprofessional behavior from a service company that charges fees for their services. I have been a professional government official for 50 years and have never witnesses this level of incompetence.
Product: Mortgage

I filed a complaint with DIFS in Michigan. That the agent on my file was discriminatory and biased from Nexa Mortgage. Nexa Mortgage complaince person removed the agent, however never admitted that this agent acted in violation of the law. She did however, demanded that I stay with their company. I disagree. The lender XXXX XXXX has sat quiet the entire process. The circus of performances has been detrimental for me since applying and receiving the approval. As a result I have suffered financial loss, loss of opportunity and severe emotional distress. While we were in the dispute phase. Nexa communicated the DIFS person reliquary. Not that DIFS have closed the file because they say they don't handle commercial disputes. Nexa is back to it's old tricks. And I can't get answer from Nexa or XXXX XXXX. They have prevented me for planning, and moving forward in all capacties.
Product: Checking or savings account

As a XXXX citizen, I am requesting that {$1000.00} that was fraudulently XXXX XXXX XXXX from my account. US Bank is aware of how customer 's accounts are being compromise. I filed a complaint on XX/XX/2022 pertaining to US Bank. I will continue to file complaints until I receive the {$1000.00}. I will file a class action law, so other seniors and US Bank customers can join in the lawsuit. 

Again, XX/XX/2022, I received a call from US Bank per my caller ID. The caller stated my account was compromised and {$3000.00} was stolen from my account. In order to received the funds back, the caller stated that I had to XXXX ' the money back to a certain person per instruction from the " US Bank '' employee. I XXXX ' {$1000.00} and when I noticed that the money was not going back to my account I hung up and called US Bank. Immediately, I filed a dispute. Subsequently, I was denied several times. 

When researching scams and fraud, I noticed the below statement on US Bank website. The paragraph from their website is the exact scenario that occurred to me. Again, I must say that US Bank is aware that their customers are being " ripoff. '' The paragraph below is my proof. I am requesting the {$1000.00} that was " XXXX '' from my account. 

XXXX XXXX are fraudsters who reach out to you by phone instead of email. Theyre after the same thing as phishers your confidential banking information. Fraudsters can spoof caller ID to make it look like a call is actually originating from U.S. Bank. So how can you tell whether a caller is the real deal? 

Its simple. U.S. Bank will never call you and ask you for your account numbers, Personal Identification Numbers ( PINS ), or any confidential information. Do not provide any confidential information over the phone unless you initiated the phone call. Hang up and call U.S. Bank at XXXX if you suspect fraud. Call XXXX ( XXXX ) for all other customer service concerns.
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$100.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$17000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$2200.00} Other Identity Theft Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$250.00} Fraudulent Online Shopping or Payment Account Company or Organization : XXXX XXXX  Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Equifax, XXXX and XXXX dated XX/XX/2018 informing that there is negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to Equifax. However, XXXX and XXXX also received the same letter, dated the same as well.
Product: Credit card or prepaid card

I purchased a {$500.00}  XXXX  Gift card in   XXXX    back  two years ago. I used {$250.00} of the balance of the card. Last year my   XXXX    account got suspended without further explanation but my gift card was still linked to that account. Because of that, I can no longer use the {$240.00} remaining balance of that card. I tried to contact the company for a whole year already but got  pushed around between department. The last time I contacted them was    X/XX/2017 .
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, due to the bad customer services and unfair practices w. Which violated the CFPA, these actions have caused financial losses.
Product: Credit reporting or other personal consumer reports

I have applied for car loan with XXXX on XX/XX/XXXX and loan got approved. But I see below unrecognized hard inquiries in my report in XXXX and XXXX. I tried contacting XXXX and XXXX but asked me contact creditors. Creditors are not reachable, I don't have any account with them and I don't know anything about these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TD AUTO FIN Inquiry date - XX/XX/year> I am unable to reach them, so filing complaint to remove those hard inquires from my credit report.
Product: Consumer Loan

My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.
Product: Debt collection

In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and  may affect  my employment. Based on the result they received on  XX/XX/XXXX  I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  GE Capital Retail b ank who notified me that my debt was sold to  XXXX   XXXX . When I contacted  XXXX   XXXX  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less tha n 1 w eek to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 rec urring payments of {$250.00} beginning   XXXX  , 15 monthly payments of {$150.00} beginning   XXXX   and a final payment of {$87.00} on  XX/XX/XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital   XXXX   stated to look into the judgement against me. I contacted the court on   XXXX   XXXX   XXXX   and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at    XXXX   XXXX    and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, the 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.
Product: Mortgage

On XX/XX/XXXX I made 2 payments towards my principle and interest of XXXX the total payment was XXXX I was advised on a recorded line that once the 2 principle and interest payments have been applied I will be due for XX/XX/XXXX and XX/XX/XXXX payment. I received a letter of default onXX/XX/XXXX advising I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. I called in the evening of XX/XX/XXXX as soon as I received the default and representative advised he sent in a request to have this corrected. I call in on XX/XX/XXXX and was  advised by a manager this will not happen when I spoke with manager day before and was advised this would be corrected. If you go back and calculate the p & i payments that I have made since XXXX my loan should only be due for P & I for XXXX. Which that makes me have a shortage in my escrow account which I will make a lump sum payment in XXXX to bring current. 
I was advised by the representatives from select servicing portfolio to make p & i payments to bring mortgage current and that's what has been happening only to find out today that ever person I have spoken to since XXXX per the manager has been incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was closed by Experian with an automated response that they gave on another complaint different from this one. Experian request a 100 word statement specifying my dispute issue and I have submitted several dispute letters over 100 words detailing my issue with a bankruptcy that is reporting on my Experian credit report. When reporting information it must be complete and accurate. How can you verify information from a consumer reporting agency and say it's verified and accurate. To file bankruptcy you must have accounts under the bankruptcy and financial amounts to be including in the bankruptcy. You must have the full correct account number and also when the bankruptcy was filed must be correct. Full name of where the bankruptcy was filed. The credit bureaus should not be reporting different information about the same bankruptcy and saying its verified information. The bankruptcy that is being reporting has no accounts, no financial information, different dates it was filed how is this a verified account? I explained this in detail in several dispute letters. I have proven this in the credit report I submitted with all 3 credit bureaus. Consider this once again my 100 word statement. At this point if the issue is not resolved I will move forward with the litigation process.
Product: Mortgage

I have been in modification re entry review and was denied because of insufficient income as the Wells Fargo employee stated that my XXXX income ( XXXX month ) during XXXX career retraining does not count as it will run out. They are currently reviewing it again but not counting XXXX income again.