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

For the past few years I have been working on repairing my credit. I have sent three or four disputes to equifax in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that equifax is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma is listing a closed account that was paid in full in XX/XX/XXXX. Portfolio recovery opened in feb. XXXX. It was paid in full for XXXX in XXXX of XXXX. They said they lost the copy of the check and they could not investigate it they were not able to go that far back. Please investigate it. This company is a fraud and its ruining my credit. Thank you. 

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

This complaint is about the lawsuit with Credit Karma that I heard about this morning on the news. I was also a victim of misleading information from them. They told me that my odds for being approved for certain loans were outstanding. So of course I fell for it and was denied as well as my credit score getting ( hard hits ). Now I am struggling to bring my credit score back up because of Credit Karma.
Product: Vehicle loan or lease

Credit acceptance corporation uses predatory interest rates that Target low income low credit score individuals. I took out a loan on XX/XX/year>. The auto loan had an initial balance of {$22000.00}. With an extremely high interest rate above XXXX XXXX This interest rate makes it nearly impossible pay off the loan and undervalues the vehicle significantly. Of that initial balance. My remaining balance after nearly 2 years is just above {$15000.00}. I have had this vehicle appraised by a third party and the value is below {$5000.00}. I am paying an insanely high interest rate on a vehicle that is only worth XXXX XXXX XXXX of what I still owe. These interest rates and actions by this company are predatory and they targeted people who have no other options. I consider this to be financial abuse and I am in a situation where I can not pay off the loan and I can not even afford to get a new vehicle or roll my remaining balance into a new loan. 

The condition of this vehicle will not last the remainder of my term. Someday. Very soon I will be stuck with a very high interest rate and a very high balance on alone for a vehicle that was never worth what they were making me pay. Once again, this is predatory and should be illegal.
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 {$0.00}, {$0.00}.

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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I filed for bankruptcy and advised Comenity Bank ( XXXX XXXX XXXX ) of this- providing them with my case number in XXXX of XXXX. They continued collection efforts, and sent me bills during the period when collection efforts should have ceased ( XXXX, XXXX, XXXX and XX/XX/XXXX ). They also reported me late with all three credit bureaus during this time- I called 3 times to ensure they had my information listed correctly and was transferred multiple times, and eventually disconnected.
Product: Credit card or prepaid card

This is by far the worst experience using a gas card. My XXXX BP gas account has an additional assessment fee added they call it " purchase fee '' therefore they have added fee 's without clearly identifying the breakdown of the fee. I have made several attempts over 2 months to pay my account balance I only get out source non- English-speaking representatives, which provides a communication barrier on both ends. The website shows un-protected site I could not log in for months I went in circles trying to get into the site. 


It is illegal act under " Undisclosed Fees Under Consumer Protection Law '' Fleetcor is conducting illegal acts against card holders. PLEASE READ YOUR STATMENT carefully. 

the customer service number XXXX, XXXX is pointless NO HELP EVERYONE PLEASE SUBMIT YOUR COMPLAINTS TO ALL Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  This GAS CARD NOT WORTH IT!!!!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

XX/XX/2017 I made a deposit through chase bank ATM in XXXX NY, while the transaction was on the ATM has a problem and I got a receipt from ATM, stating that I should call my bank to confirm if the money was deposited. I placed a call to my bank and made a complain of what happened, was told that a credit of {$800.00} will be made to my account while the investigation will be on. 
the {$800.00} was made to my account same day, but on XX/XX/2017, I got a mail from the bank stating that the {$800.00} that was credited to my account will be debited because my claim was denied. The {$800.00} was debited from my account on XX/XX/2017, I called chase bank on XX/XX/2017 to re-investigate my claim, and my claim was denied again. 
I 'm requesting that you help to look into this matter as this huge amount of money has caused a lot to my account/finances. 
Thanks and XXXX bless you
Product: Credit reporting or other personal consumer reports

This late payment doesnt match my usual on-time payments. Please take it off and update my account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit report. I noticed multiple unauthorized inquiries on my credit report. I contacted the 3 major credit bureaus such as XXXX, XXXX, and Transunion about the problems and even the creditors as well but none of them seem to help out in this process but to give me information how to dispute the inaccuracies. I contacted all parties involved via certified mail asking for validation or verification of these unauthorized inquiries neither party has produced any evidence or documents that I gave my permission to these inquiries. Then I requested that the inquiries be removed from my credit report or that they produce documentation for the inquiries both creditors and CRA 's such as XXXX, XXXX, and Transunion but none was able to produced any documents or validated the inquiries. now some creditors I was not able to reach due to not being an account holder with that creditor. Heres a list of the unauthorized inquiries and dates as follows : XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tansunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage failed to pay my PA township tax of {$1800.00} in XXXX. In XXXX after numerous phone calls the taxes were disbursed multiple times. The following entries were taken from my online account : XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Posted to Suspense, XX/XX/XXXX {$1800.00} Posted to Suspense. 
I have logged XXXX phone calls and sent five emails in an attempt to correct the situation. My online account showed Tax Disbursements totaling {$8400.00}. I emailed this information to Freedom Mortgage and the response dated XX/XX/XXXX stated : 'The amount of {$8400.00} you referenced as " Taxes Paid YTD '' is not indicative of the funds disbursed from the escrow account for taxes in XXXX. ' I just received my XXXX for XXXX listing " {$8400.00} Property Tax Disbursements. '' My monthly mortgage payment increased by {$230.00} following the escrow analysis performed in XX/XX/XXXX. This was a financial burden. 
I have requested a copy of the escrow analysis, copy of the payment/disbursement record, a corrected XXXX, and return of the finds to my escrow account. I have received nothing. I have spent hours on phone calls and emails with no results.
Product: Checking or savings account

On XX/XX/XXXX, 3 fraudulent checks were cashed for {$900.00} ( {$2700.00} ).  When I got my statement and saw this, I reported to Chase fraud, they admitted my name was spelt wrong and clearly not my signature on checks and I was told to close my acct. the next day I tried to do so, but was told I had to wait for the investigation to finish. I was allowed to w/d {$480.00}. On XX/XX/XXXX I tried again to w/d my funds, and was told only {$700.00} was deposited and I could not have it until THE FULL AMOUNT was refunded. I then was traveling ( WITHOUT MY TRAVEL MONEY ) and when I tried to close and withdraw my money on XX/XX/XXXX I was told I again no, and left my number. I was never contacted and XX/XX/XXXX went AGAIN withdraw my funds, my account was at a zero balance. Im currently waiting to hear from Chase on this matter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies keep denying my credit or placing holds on my account because they are " unable to verify my information '' with data from Transunion. I tried requesting my credit report from them due to denied credit, and they sent me a blank report. I tried to create an account online, and I submitted the correct verification codes sent to my mobile and email, but they denied me an account, saying they can not verify my identity. Then they invited me to contact them for help via social media ( very insecure, and I'm prohibited from using social media ) or on the phone ( I can't hear well and long phone calls like this are very draining for me ). 
I have good credit, a valid driver 's license, several bank accounts-all in good standing-with no missed payments or delinquencies, no criminal record for fraud or theft, no suspicious activity, and no history of identity theft. I shouldn't have to call a call center in XXXX for an hour EVERY single time I create an account with a company. I can verify my identity with a notary or send a copy of my license or something for the purposes of this complaint, but I'm tired of calling numbers and still being told they can't verify my information. I need to dispute inaccurate information with someone who is fully authorized to make changes without a supervisor. 
I have attached the blank credit report they sent me when I asked for one.
Product: Student loan

Navient has my loans in a rate reduction program with an automatic payment every month on a due date I chose per their prompting, XX/XX/XXXX. I noticed that the " Due Date '' in Navient 's system is different than the Due Date set up for the program, they have XXXX listed, so I called and the person I spoke with told me it was an error in their system so she allegedly reset the Due Date to the correct date and refunded the late fees accrued by this situation. 
The next month I noticed the payment had not come out of my account around XX/XX/XXXX so I called Navient to inquire why and they explained someone had erroneously set the due date to XX/XX/XXXX so the person I spoke to made the payment immediately and assured me they fixed all future Due Dates to XX/XX/XXXX. They also assured me there are no late fees currently on my account. 
To date the Due Date has not been fixed and still shows XX/XX/XXXX with the message showing " You could be charged a late fee. '' as well as the fact that there are still many, many late fees still assessed on my account despite the fact that I have paid every month on XX/XX/XXXX which is the Due Date for my payments. 
I have made every attempt and have stayed dilligent monitoring this to ensure the issues are fixed and they have not been fixed despite the fact that every month when I call I am consistently told the Due Date and Late Fee issues are fixed. 
This is affecting my credit and has become extremely frustrating at this point - I need these issues to be resolved ASAP.
Product: Debt collection

To : Consumer Financial Protection Re : RevenueGroup Dear Sir or Madam, I was not pleased with the service that was rendered by XXXX XXXX XXXX. I have several reasons why I should not pay : 1. The work was not done within the three day nullifying the timeframe to accept orreject the service. The service was rendered almost two weeks after the agreement was signed. 
2. We were not informed we needed to move. 
3. Several attempts were made calling the inspector. When she finally answered, she came out and said this infestation was caused by leaks in the ceiling. Then proceeded to say we can kill the termites with XXXX. 
4. I was told I would receive a payment booklet. None of the papers I kept had what I should pay a month. Therefore, I was waiting for the payment book to send in a payment. I did not receive the payment book. Not long after, I received a threatening letter from XXXX. 
5. The work under the house was incomplete. 
6. I would have never paid anything if I did n't have intentions of following through on my end. However, the company did not follow through on their end. 
7. This account was unjustifiably turned over to your company. 
8. My payment should be returned to me.
Product: Debt collection

In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.
Product: Debt collection

I have reasonable cause to believe that USAA fraudulently furnished my nonpublic personal information to a non affiliated third party. As the fiduciary USAA had an obligation to protect the security and confidentiality of my nonpublic personal information. I'm aware per 15 U.S. Code 6801 - Protection of nonpublic personal information, The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 7, The Racketeer Influenced and Corrupt Organizations ( RICO ) Act that I should have received an explanation on how to opt out of having my nonpublic personal information disclosed to a non affiliated third party. I have not received such explanation. I have reasonable cause to believe that USAA has omitted information required by law to disclose as an attempt to bring harm to me and my financial reputation. I have reasonable cause to believe that this has been done in forethought and malice. I have reasonable cause to believe USAA has not acted in good faith. USAA has fraudulently furnished negative information to a non affiliated third party without my lawful consent. Do to the non disclosure do to the known fact of any implied acquiescence would render a contract illegal. I have reasonable cause to believe that the CRA 's have not conducted any reasonable investigation due to the unjust enrichment received. This conspiracy against my rights is a violation of the Sherman Antitrust Act and is causing a restraint of commerce or trade due to the punishment for the non repayment of an extension of credit. I have reasonable cause to believe that this was done to coerce payments under duress. This is a unilateral contract. How is this a lawfully binding contract? Only one side or party USAA received consideration. If one side receives consideration the contract is not lawfully binding and illegal under The Sherman Antitrust Act of 1890 ( 26 Stat. 209, 15 U.S.C. 1 -7. No contract can make me give up my constitutional rights. USAA never gave me a contract to verify the alleged debt. USAA has XXXX days to remove the alleged debt or give the consumer a contract with a signature. USAA financial institution is causing a restraint of commerce and fraudulently validating an alleged debt with a billing statement.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent a {$35.00} cash app transfer to the cashapp name $ XXXX expecting that my money was going to place a hold for a puppy they claimed to have been selling. I was then asked for an additional {$15.00} to buy the dog food and supplies which I then knew was a scam. I requested a refund from both cash app and the seller. I was blocked from sms and cash app from the seller. when I reached out to cash app they were of no assist and did nothing to help me recover my funds. cash app is known to be the highest place of people getting scammed because if someone is scammed cash app is of no help to replace the funds to the person who was scammed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, XXXX and XXXX is showing different history on XXXXXXXX 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely ineffective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore the resolution protective process what's unfair indeceptive as they did not comply with error resolution requirements under the Electronic Funds 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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$78.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In the month of XX/XX/2020, I received a business loan for my business ... I used my personal bank account due to me being a sole proprietor, Capital One then closed my account & refuses to release these funds or send them back to where I got it from so I can attempt to get the money back. My case with them has been closed & they provided false information towards my EIN number that I have. I would like for them to release the funds to me or send the money back to SBA.
Product: Debt collection

I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, XXXX, Equifax ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.