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

I fell on hard times due to my mom being sick and I couldn't pay the loan. These people had a debt collecter call me on XX/XX/19 asking if I could pay XXXX of the loan when the loan is only XXXX. I told the debt collector that I could not pay XXXX and whatever solution they offered I couldn't pay today at all. The debt collector told me in a harsh tone that he could tell by the way that I was talking that I wouldn't pay at all and that I waived my rights and he hung up without even letting me speak. He also asked about my cousin and I asked him what did he want know about her for, because she has nothing to do with any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX BEST SERVICE COMPAN Account Number : Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Credit reporting or other personal consumer reports

RECENTLY, I FOUND A LOT OF ERRORS AND INACCURACIES ON MY CREDIT REPORTS. THEREFORE, I DISPUTED THEM. I KNOW THAT EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE AND COMPLETE! THE ACCOUNTS INVOLVED IN MY PREVIOUS DISPUTE WERE NOT ACCURATE AND MUST BE REMOVED NOW! EQUIFAX AND XXXX VERIFIED THE INACCURATE ACCOUNTS BUT THEY WERE NOT ACCURATE AT ALL! THIS IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKING SYSTEM. As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under THE FAIR CREDIT REPORTING ACT - Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in THE FCRA- a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit card or prepaid card

I upgraded my AMEX XXXX XXXX XXXX card to XXXX XXXX preferred card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been locked out of my venmo account for a few years now. I no longer have access the email address or bank account information I used to create the account, therefore can not verify my information digitally. 

Over the course of these year, I have tried on multiple occasions to contact customer service through the message option on the venmo website. In my message to venmo I clearly state the issue and that I can provide my SSN to verify my identity. I have never received a response to any of the messages. I have called customer service multiple times, however the way the system is set up, there is no longer access to a live person to explain my issue to. The most recent time I contacted customer services was this past week by sending another message, calling, and attempting to use the chat bot. I had a friend accidentally send money to my venmo account and the only way to refund the money is for me to refund it. I can not do this unless I can access the account which I can not. I also have no idea if there are funds in the account from previous usage. This is my last resort as the messages that are sent through the Venmo website do not automatically send a confirmation the message was received.
Product: Consumer Loan

Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.
Product: Credit reporting or other personal consumer reports

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud themselves. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, Bank of America, and XXXX XXXX I'm merely stating that there are fraudulent accounts that must be removed from my report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus about inquiries on my report that I do not recognize and after not receiving any response I contacted the creditors to verify the inquires on my report. 
I contacted the credit bureaus more than 2 months ago and it has been 30 days since contacting the creditors in which I sent certified mail that I have the receipts for. I still have not received a response.
Product: Checking or savings account

Had insurance protection on all my loans in case of list of job or XXXX, they never helped me. Would just stress me out. Was on XXXX for a year and no payments where made by bank.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear LVNV FUNDING : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX Due to the account being closed Experian failed to follow up with the insvestigation
Product: Money transfer, virtual currency, or money service

I was offered a remote job by someone acting like a big HR person from a known company. They provided me with documentation that was exactly like the real company ( Assurant ) everything matched up and even did my due diligence with verifying linked accounts. They provided me with a check and insisted i deposit because of the nature of work environment and the holidays. I called my bank XXXX and asked them about the check and that i felt something was wrong. XXXX advised me to deposit it so they could look at it however, the fraudulent person was extremely pushy for me to transfer funds to a fake vendor to get my remote equipment. I ended up sending {$5000.00} as instructed and once my bank alerted me i immediately went to Paypal for help and they said nothing could be done. So i reported everything to government agencies such as, FBI IC3, FTC and DFPI. I have all records, messages, documentation, voice recordings to show proof of the entire scam. Paypal said they could not do anything for me so i created a case in PayPal and i need help fighting it. I just want someone to help step in and stop this scammer from scamming other American people like myself looking for work in this economy. please help!
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have said they conducted their investigation but unable to provide all the necessary information requested about their investigation. They continue to report false and erroneous information. They have also denied the fact that they have personal information which is not correct. They are harming me and my credit by not doing their propper investigation of such. I demand all those account be remove immidiatly if not able to provide anything in return.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I went into debt consolidation with XXXX XXXX and Speedy Cash was listed as one of my creditors. Shortly after XX/XX/XXXX, Speedy Cash received a stop payment notification from the XXXX XXXX. My payments had stopped until today. 

Today, I had 5 withdrawals of {$74.00} and a pending withdrawal of another {$74.00} totaling {$440.00}. 

I contacted Speedy Cash twice by email and never received a response. So, I called them and spoke to a guy by the name XXXX ( if that was his real name ) to which he was being rude and kept telling me that they had never heard of XXXX XXXX that they had no record of any communication of a debt consolidator on my behalf. I argued how Speedy Cash would have known to do a stop payment if XXXX XXXX didn't contact them because I never requested this directly with Speedy Cash as I was instructed by XXXX XXXX to allow them to set everything up. He kept talking over me and telling me that they were authorized to make these withdrawals. 

I was then transferred to a manager, who did absolutely nothing but transfer me to a number that went to a voicemail. 

To argue that I was wrong that I had told them I was going into debt consolidation and that when they never heard back from XXXX XXXX ( the very group that XXXX stated that Speedy Cash never knew about ), they took it upon themselves to remove the stop payment and make the consecutive withdrawals. When I spoke to the manager, he stated that they had never reached out to XXXX XXXX regarding any settlements, but complained that XXXX XXXX had not reached out to them with a settlement offer. 

I don't understand how this negates a legal stop order of withdrawal.
Product: Debt collection

Yes Im trying to file a complaint about this company I had gotten XXXX to remove an account off my credit report and they block this account Security finance really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as in it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XXXX XXXX, XXXX  when that is wrong and this account is closed by law you suppose to inform me about this
Product: Credit card or prepaid card

Lane Bryant Credit Card financed by Comenity Bank refuses to remove late fees and interest fees they charged me after I was under impression my account balance was {$0.00}. I made a payment plan with them to where their representative calls me on my paydays and I make a payment until my balance is paid in full. Their representative stopped calling me and I was left with {$23.00} balance. Now, after late fees and interest, they are trying to collect {$230.00} from me and are reporting me late to all credit agencies. 
I have sent them a letter with proof of payments as agreed with their representative and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX. XXXX, XXXX XXXX XXXX OF 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 XXXX XXXX XXXX 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 reporting or other personal consumer reports

I had asked Equifax to remove hard inquiries from my credit report and filed the disputes, they said they would contact the lenders to verify the information in which I believe they did not because the response was within one hour which is very fast if your contacting making multiple contacts. Another reason I believe they lied to me about their process because the other two credit bureaus and filed disputes with them as well and when they contacted the creditors they agreed it was fraud and deleted all my hard inquiries. So I do not see why how Equifax would have different results than the other two bureaus. I filed disputes twice and called once and they would continue to give the run around and not want to truly help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX  credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
Product: Credit reporting or other personal consumer reports

I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was XXXX  during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THIS NAME OFF OF MY CREDIT RPORT ( XXXX XXXX ) MY NAME IS XXXX XXXX XXXX OR XXXX XXXX XXXX
Product: Debt collection

I was contacted by TRANSWORLD debt collectors on XX/XX/2019 saying I owed {$7900.00} from the department of veterans affairs, which i know is false I only owe around {$6000.00}, they called saying it was an attempt to collect the debt and i proceeded to talk on the phone with them to see what we can do. they did not understand why I couldn't pay off the full amount at once and then asked if I could pay half right then and there, which I also couldn't do. they then hassled me into paying an amount I can't afford after saying numerous times that I dont have that amount of money. ( around $ XXXX/month ) they said i was on a certain kind of debt owed program and needed to take out as much money a month from me as possible. I've never heard of anything like that before, so I tried to meet them in the middle saying I could pay $ XXXX/month but they still proceeded into hassling me into paying more and will not listen to me and are taking out more than my paychecks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
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. Furthermore, their dispute resolution process was unfair and deceptive, 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.