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

In or around XX/XX/XXXX, the credit reporting agency Equifax was the target of a massive data breach. As a result, the data of approximately 143 million Americans was improperly allowed to be accessed by malicious 3rd parties. 

Upon being notified of this breach by various media reports on XX/XX/XXXX I checked to see if I was impacted on the website provided by Equifax. According to their system I was indeed subject to that breach. I immediately placed a fraud alert in my account. Additionally I attempted to place a security freeze on my credit only to find that this would cost me {$80.00} between my spouse and myself in order to cover all 4 credit reporting agencies, a fee that I consider burdensome considering that it was Equifax that allowed their system to be breached and I as a consumer did not elect to use the services of this company. 

I have reached out to Equifax to no avail.
Product: Credit reporting or other personal consumer reports

The personal information outlined in this document is not mine.
Product: Debt collection

XXXX XXXX XXXX represented by Selip & Stylianou , LLP put a hold on my bank account because they state I have a debt with XXXX on XX/XX/XXXX which was paid back in XXXX and it was paid to XXXX XXXX XXXX XXXX ASSIGNEE OF XXXX I send them the proof of my check being garnish by the Sheriff and they are stating it is not the same debtor and I only had an account with XXXX  '' XXXX '' is the bank for that store
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 they stated that the lender requested that my information be removed from there system. I then spoke with the lender in received email documentation stating that they did not do so. In they said they did not request the account to be deleted from the report. In transunion said that the only way to reinsert the account is for the lender to do so knowing. That the lender has closed the portal on XX/XX/2021 in no longer has access to do so enabling the process leaving me with no other alternative
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with AFFIRM INC. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from Experian showing the aforementioned as reporting this information with a " balance '' of : {$110.00}. I am demanding AFFIRM INC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand AFFIRM INC. to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character and fraud in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to date crediting act XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) In accordance With the fair crediting act 15usc 1681 section602 A : I have to the right to privacy. 
In accordance with 15usc 1681 section 604A section 2 : A consumer reporting agency can not report any account without written instruction.
Product: Credit reporting or other personal consumer reports

Before i begin, i would like to say i have never had this issue with another XXXX XXXX. Before i had medical issues and my life turned upside down, paired with TWO hurricanes hitting my state, ( which still has homes here uninhabitable, driving rent up ) i was always timely with payments and as soon as i knew money would be an issue i signed up to be on a plan, on any card i had, in order to decrease debt. XXXX XXXX can attest to that. 
XXXX did not have any sort of debt relief option. XXXX was my first credit card. The way that discover sends out sign up letters to freshly XXXX XXXX XXXX to potentially permanently damage their lives for a LONG time is extremely predatory. The way that this is even legal stuns me. Anyone under the age of XXXX does not understand that responsibility. 
My unhappiness with discover stems from the day that i accidentally typed a wrong number on my banking info to send through my money that would FINALLY, after trying to save for so long, CLEAR my debt. The payments had issues, which i still never have gotten the full grasp of due to horrible customer service, going from department to department and being told different reasons, in confidence i was being told the correct information, to a guy that was not so subtlety telling me theres nothing he can do and to cry about it, ( which is probably documented ) and that my account will remain closed. Ever since then ive tried to be consistent with the payments despite my medical circumstances, I have signed up for the program to alleviate my debt, and i am still getting credit reports that i am missing payments although my payments are not until XXXX. 
Now this will affect me for years, not only am i XXXX XXXX XXXX facing the worst economy america has ever seen, my odds of having anything of value in this life are already slim, i then have to deal with this horrible establishment that has been screwing me over for the past year.. time and time and time again and not being anyway helpful about it.
Product: Student loan

The current issue is I am not able to see, pay, and manage my 2 student loans when I log into UAS ; this issue was present and unfixed since XX/XX/2021. The following is background concerning this issue : My 2 student loans with XXXX University were supposed to be in deferment without interest accruing until XX/XX/2021. UAS kept interest accruing during the deferment period despite multiple calls and emails. I submitted a prior CFPB complaint regarding this past issue, UAS resolved it by taking the accounts offline in XX/XX/2021. Since XX/XX/2021, when I log into UAS, I have not been able to see any balance, interest, or loan information. I can successfully log into XXXX. The loan information is not present when I log in. I have attached the prior CFPB response, and the loan aggregate reports and screenshots spanning multiple months of 2021 ; please pay attention to the dates as they will illustrate the issue. This issue is unresolved despite multiple phone calls and emails to UAS. These loans are now out of deferment and I need to manage and pay these loans this month, XX/XX/2021.
Product: Credit card or prepaid card

I purchased a XXXX phone from best-buy using my Best-Buy credit card issued by CITI bank. In 2 months the phone stopped working and I contacted the manufacturer about it. The manufacturer was very hard to reach and to understand, probably the worst customer service I have ever seen in my entire life. I sent the phone to them and after 1 month they send the phone back saying that they can not repair with a hand written note saying that it has water in it so can not be fixed. 
I contacted the manufacturer but they did not seem to understand my situation. I have never used the phone in water or in the bathroom. Later they stated that because I live in Minnesota where the temperature is extremely cold the phone got damaged due to that. I stated that that's the worst excuse I have ever heard but they denied to fix it. 
I filed a dispute with CITI bank stating that the quality of the merchandise was not as expected but they denied the claim saying that I have receive the item. I disputed for the quality of the item not about receiving or not receiving it. 

Both the XXXX and CITI Bank are very rude and not ready to help. Please sort this out for me and a refund. 
'
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt you claim I owe. You have violated the Fair Debt Collection Practices Act ( FDCPA ) in several ways. 

Specifically, you have : Used abusive or deceptive means to collect a debt. This includes using obscene language or making threats of XXXX XXXX XXXX 
Communicated with me at an inconvenient time or place. This includes calling me before XXXXXXXX XXXX or after XXXX XXXX  or calling me at work when I am not allowed to receive personal calls. 
Failed to provide me with validation of the debt. This includes failing to send me a written notice of the debt that includes the amount of the debt, the name of the original creditor, and the date of the last payment. 
Communicated with me about the debt after I have notified you in writing that I do not wish to be contacted. 
I demand that you cease all communication with me about this debt immediately. I also demand that you delete any and all records of this debt from your files. 

If you do not comply with my demands within 14 days, I will take legal action against you
Product: Debt collection

On XXXXXX/XX/XXXX I sent out dispute letters to all three bureaus disputing this debt that has been put on my credit report. From XX/XX/XXXXXXXX XXXX XXXX  I have received emails and texts from this debt collector threatening to sue and put this collection on my credit
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

DURING COVID XXXX XXXX HAD DISASTER RELIEF ASSISTANT FOR ME AND I JUST FOUND OUT THE REPORTED I HAD 2 MONTH MISSED PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I have been disputing with experian two accounts that are reporting on my credit report negatively and that do not belong to me. They are the only bureau that has not removed this information and refuses to let me dispute it anymore. Also, they have multiple wrong addresses on my reports that they will not correct. The latest completed disputes were XX/XX/2019 and XX/XX/2019 with no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.
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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate action for these violations.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX-Account Number : XXXX Original creditor : XXXX XXXX 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 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. 
Remove Account form my credit Report.
Product: Checking or savings account

On XX/XX/2023 a transfer was done out of my hold account and money was put in the daily checking.I did not do this transaction and the bank never gave me a fraud call. Some pretending to be me called PNC accomplished the transfer. I noticed my account was XXXX and something and the local branch office in XXXX XXXX told me several times that this money was flagged and got transferred right back to my hold account. 
I knew there was an error because of the negative balance.I brought this to the attention of the XXXX XXXX XXXX XXXX XXXXk. I was called by. XXXX and he confit that the money went right out of my account. It never returned. I made a police report to XXXX XXXX XXXX in Washington PA where I believe the theft or fraud occurred. I was telephoned by XXXX again and told her that they needed evidence to convict. She told me to request that the XXXX do a PNC bank supeona so that he can add evidence to his report. She gave me the following address to send it : XXXX XXXX XXXX XXXX. 
Important Next line- XXXX, XXXX, OH XXXX XXXX I reached out to the XXXX via telephone was yesterday, XXXX XXXX, XXXX. His name is XXXX XXXX XXXX XXXX @ XXXX. The report was taken approximately a month ago. Report no. XXXX. XXXX. I did not get a response. I will follow up with XXXX email asking to XXXX PNC, per XXXX. 
So I know the person that did this and I want either the bank to fix this for lying to me, or/and have the woman federal charged.
Product: Debt collection

I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls.
Product: Debt collection

XXXX XXXX XXXX XXXX contacted me in XX/XX/XXXX about a debt. On XX/XX/XXXX, within the 30 days I had to request validation of said debt, I sent a validation letter. I had received nothing in return until XX/XX/XXXX when I received notice of being sued by the company 's attorney. According to FDCPA they are in violation by trying to collect on a debt they never validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my mortgage and the fraud on these loan modifications! I found out my 30 year mortgage is now extended over 40 or more. Years?? I moved in XX/XX/XXXX. I am XXXX now. I can not lose my equity i always paid and battled 2 XXXX  which made me eligible for loan modification. However! 3x I was increased and the servicer added extensive years and fees when I was just 30 days late or maybe in XXXX with a major water emergency which I paid XXXX in excavation outside my condo. Not even my responsibility. But since XXXX I lost XXXX net a year overpaying! Taking all my savings and to be trapped in yet another mod for crazy number of years. It stole my equity! It took my mortgage out where I will be stuck in my XXXX paying! No! These services are all doing it wrong and this is why there are so many complaints. I know the law as a XXXX XXXX XXXX. I saw it happen to my customers and it is now happening to me! I was very XXXX  on XXXX XXXX past 6 years. I am finally well and addressing all these mistakes. They must correct my account. My home was only XXXX 20 years ago I put XXXX down. I refinanced only one time in XXXX to pay XXXX in credit card debts. I never took any cash out. Ask XXXX XXXX to tell you my loan balance and see what now mr cooper repeating the same mistakes that seterus who close their doors and prior XXXX They all fraud. I am living proof and it ends here!! 20 years of equity and why am I am homeowner losing???? Unacceptable tactics and must be corrected. I am not going to be able to keep up this pace and be stuck paying in my XXXX from owning my home at XXXX now XXXX! They are robbing home owners on these loan mods they are transferring names and repeating the same crooked tactics the services and banks robbing home owners. It must end. I have a claim in with XXXX XXXX I opened a case. I will take this to the news if we don't correct it. Also I want my modification of XXXX or XXXX back enough once I found out my class action only paying each home owner XXXX when I lost XXXX that was needed for my savings and the number of years when I was on time for all 20 years maybe one month late. It has to be updated and corrected!
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXXXXXX Account 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 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: Money transfer, virtual currency, or money service

Im tng a complaint against casn 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 resolutions 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 have caused significant inconvenience and financial losses and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Remove account there are inaccuracies, the creditor or the credit bureaus provided the proper documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification of a negative action on my credit report from MRS Associates of NJ. It was from an inaccurate report of a {$280.00} balance from XXXX XXXX It dropped my score by XXXX points, which is ridiculous. I want the item removed from all 3 reporting agencies & my score restored. I canceled my XXXX XXXX subscription & they continued to bill me.