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

I came into a financial situation and was no longer able to pay my loan. I tried to email and set up a plan in writing and have heard nothing. I tried to go on line and see the terms of my agreement and they are no longer available. I know for a small loan the amount is outrageous that I have to pay and now having a situation that is beyond my control and no communication with them to solve the situation.
Product: Checking or savings account

Hi All, I would like to add to re-opening my claim. My app was hacked while i was sleeping at XXXX, and I don't know how. I live in Georgia when I looked at the app my address was changed to a California address, shown below that I never seen before. In that time span they also locked me out of the app and transfer {$1000.00} from my savings account to my checking account. Then went ahead and made 4 fradulent transactions shown below. 

I can't understand how my claim was denied when I talked to several representatives through this process. All times shown below. Each time I got the run around and transfered between the member services and disputes line back and forth. No one was able to help me until I was told to send emails to get my account setup again and allowing me access. I sent an email Monday and Tuesday and Today, showing my ID, XXXX holding my ID with the date and my full name " XXXX XXXX '' also shown below. When finally speaking to a supervisor, I was able to change my address, email, shipping address and phone number all of which should be seen on your end that was changed without my knowledge. The simple fact that i had to change everything back to my original setup is proof that I was hacked and my funds should be returned to me as soon as possible. i don't know any bank that does not reach out to the customers when something like this happens. I sent all the proof that i did not allow these transactions to occur. I even reached out to the fraudulent XXXX " XXXX merchant '' in order to see who charged me. I would like my {$1000.00} back and my account restored, legal actions should be the next step. 


Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Tuesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX ; XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found these accounts, hurting my report and this prevents me from getting new credit, please remove these fraudulent accounts from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit pulled for a vehicle loan. In my report there was a delinquent payment being shown on a XXXX credit card from XXXX and XXXX XXXX XXXX. I disputed this with Experian, and also contacted XXXX. Experian did not fix the error, and XXXX claims to have no history of my account EVER being delinquent. Experian claims that they investigated this, but if they had, XXXX would have shown them that there is no delinquencies on my, now closed, credit card account. It would actually show that XXXX returned to me an overpayment of XXXX XXXX, when this account was closed. Therefore, my credit was negatively impacted over a fraudulent report from the credit bureau.
Product: Checking or savings account

XXXX XXXX SS # ( XXXX ) Capital One Checking # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX La XXXX I qualified of a PPP loan and was granted funds on XXXX XXXX and had funds disbursed to my Capital One checking that was noted above, yet the numerous request for supporting documentation was fulfilled and complied with the funds are still being restricted and considered fraudulent funds and I feel like I am being targeted for this loan because I am a XXXX female, because at this point see no other reason these funds are being restricted for me to conduct and run my XXXX  XXXX XXXX XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

Sometime last year in XXXX  around about XXXX or XXXX, I was contacted by AIR COLLECTIONS & OUTSOURCING claiming I owed a debt from my previous Landlord XXXXXXXX XXXX XXXX in the amount of {$3700.00}. I informed the representative at the time that was impossible and incorrect. I explained my payment was never late and paid in full. Including XXXX XXXX XXXX  informed me they would not be renewing my upcoming lease and lease will end in XXXX.During this time my wife and I was going through a divorce and I was not living at the resident. Therefore I kept paying the rent as required until my lease ended.The non renewal of the lease was a benefit ensuring I end all connection with my wife. Once my lease ended in XXXX, I surrendered the key to the office manager. Later I discovered that my ex-wife still living in the resident assuming the office manager renewed the lease with my ex-wife for her name was on the lease as a joint while i was living at the residence. Later I discovered that XXXX XXXX XXXX had file a Recover of Real Property hearing against my ex-wife well after my lease ended and keys was surrendered. I informed the representative this is not my debt and its an issue with my ex-wife. I fulfilled all obligations required on my end. Including I have documentation stating this debt is indeed my wife for the paperwork XXXX XXXX XXXX  filed in court was against her. Now i check my credit report and was disturbed to find out this building and collections agency placed a collection on my credit report. As a result, I have been turned down when trying to secure funding and opening accounts with different retailers. See attachments below supporting bank statements rent was paid in full and XXXX XXXX had a swatter issue which I was not a participant.
Product: Payday loan, title loan, or personal loan

Im receiving aggressive bill collecting. This account is being paid through XXXX XXXX XXXX. Payments have been sent to this company, yet the harassing calls persist.There seems to be a concerted effort to bully me into giving more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX  child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL Transunion stated to contact the fraud dept they couldnt help me Ive uploaded Transunion response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning inaccurate and erroneous child support arrears information reported on my credit report by Equifax. This false reporting pertains to XXXX missed XXXX XXXX  payments from XX/XX/XXXX to XX/XX/XXXX and the subsequent addition of a collection to my report. 

The facts of the case are as follows : I have never missed a child support payment during the timeframes reported, and my account with the XXXX  XXXX XXXX XXXX has been consistently in good standing. 
Over the past several years, I've had multiple recorded phone conversations with XXXX XXXXXXXX agency representatives who have confirmed my account status as current, with no penalties. I do not owe any XXXX XXXX arrears, and there should be no missed payments or collection listed on my credit report. 

On XX/XX/XXXX, the XXXX  XXXX XXXX XXXX inaccurately reported the XXXX missed payments, and these false entries were subsequently added to my Equifax credit report. On XX/XX/XXXX, I submitted a written dispute to Equifax ( tracking number # XXXX ), and the dispute was confirmed received on XX/XX/XXXX XXXX XXXX. As of today XX/XX/XXXX I've received no correspondence. 

Despite this, the inaccurate information remains on my credit report, which has negatively affected my financial standing. Under the Fair Credit Reporting Act ( 15 USC 1681b ), I have the right to have only accurate and up-to-date information reported on my credit file.
Product: Credit reporting or other personal consumer reports

i contacted the agency and i have got no response! i told them its causing me harm and i was told the information was verified and i didn't give anyone permission to ad anything to my report! also all my scores don't match across all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from TransUnion, XXXX, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the XXXX XXXX XXXX XXXX ( {$110000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX Bank XXXX ( {$30000.00} ), XXXX XXXX XXXX  ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.
Product: Student loan

I am refinanced XXXX student loans totaling $ XXXX in using XXXX, the loans were originally serviced by Navient. XXXX was excellent to work with and the application process was smooth, with a rate that is excellent. 

XXXX issued the funding payment. 

XXXX - The XXXX payment sent to Navient was applied to only XXXX of my XXXX loans, against instructions provided by XXXX to pay down all loans. This created a ~ $ XXXX positive balance on XXXX of my loans, and approximately $ XXXX outstanding balance on my remaining XXXX other loans. 

XXXX - Navient debited my bank account {$960.00} as usual for my monthly payments even though my cash position as a whole was positive with Navient ( the positive balance on my loan was greater than the negative balance on my other XXXX loans ). 

XXXX - the positive balance on my XXXX loan was reapplied across all outstanding loans. But I am being told it will take XXXX weeks for them to refund me the {$960.00} Navient debited on XXXX. I am out almost $ XXXX for a month now!
Product: Debt collection

XXXX XXXX To : Portfolio Recovery Associates , LLC. XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Validation and Proof of Claim Request Merchant : Rooms To Go Original Creditor : XXXX XXXX Account # XXXX Reference # XXXX XXXX This is my final attempt to get proper validation and proof of claim for this debt. You have sent statements that are not valid proof of this debt.

This is to advise you that pursuant to the Fair Debt Collection Practices ( FDCPA ) 15 USC 1692c ( c ), you are hereby notified to immediately terminate any contact with me or any members of my family or household, and/or associates in connection, regarding any matter concerning the collection of an alleged debt you are attempting to collect. You are further prohibited from contacting my employer, my bank or any other third party associated with me, directly or indirectly. 
Each and every attempted contact, in violation of this XXXX, will constitute harassment, defamation of character, and slander of credit reputation which will subject your agency and/or board, and all agents in his/her/their individual capacities, who take part in such harassment, and duration, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and any further liability for legal fees to be paid to any counsel which I may retain.

This letter serves as formal notice that you CEASE and DESIST immediately all communication and/or activities relating to this derogatory debt ( account in question ). 
Thank you for your prompt attention to this very important matter, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The 360 Mortgage Short Escrow Account Disclosure shows that the 2016 second quarter payment actual was {$1000.00} ( Attachment 3 ). 

The XXXX Treasury ( Attachment page 1 and 2 ), Attachment page ( 2 ) two indicates that the total payment made by 360 Mortgage amounted to {$580.00}. As a result the escrow account payment due to me, is {$450.00} short.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian, Equifax, and Transunion Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, Experian, and TransUnion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$1400.00} from XXXX XXXX XXXXXXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) do to inadequate customer service and fair 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 there platform leaving my account vulnerable and unprotected furthermore there 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 these actions has 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

I received notification of a collection on my report after it appeared within a day of each other from XXXX and Experian. Please see complaint XXXX. 

XXXX, a collection agency, apparently purchased a debt from XXXX XXXX (? ) that I did not owe. I don't know how they got my information but it does not belong to me. 

I never received any correspondence from them. I never received any bill from them. I have not been in receipt of any wet ink signed contract stating or affirming that I received services or money from them and agreed to pay them. We have never had any contract. This is an attempt to taint my credit file after I have worked so hard to make it what it is, and fraudulently steal money from me that is not owed to them. 

According to 15 USC 1692 in FDCPA, it is illegal for a Collection Agency to purchase one 's debt and then try to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints against XXXX XXXX XXXX XXXX XXXX. The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at XXXX on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted XXXX once again, they did not have any answers for me. It seems XXXX do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with XXXX on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report because there was a fraudualant account and some inquiries on my credit that i didnt authorize and nobody has yet to help me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXXXX/XX/XXXX