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

I have been a customer with credit central for about 2 years and has always been treated with respect. However, I have SEVERAL issues with this company.. the employees working for this company currently are extremely rude, threatening and unprofessional. The companys turnover rate is ridiculous. Every time I talk to someone they are new. They make threats if you dont come in when they say you must come in even thought the contract states that if you pay past your due date you will have a late fee charge. They claim thay you absolutely can not pay late and will not accept late payments. Why is there a late fee if they can not accept late payments? Also, I was told around XX/XX/XXXX that my loan eliable for a increase and was told it would increase my payments by XXXX bucks a month. I agreed but what I was not told is that my loan started all over again! Very misleading and deceptive! This company needs to be stopped!!! Just treat people right which is not something that this company doing with me. I am ready to be done with them. 
XXXX, TN location XXXX, TN location
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor ( XXXX XXXX XXXX has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. I have attached additional documents that show discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Account numbers Inconsistent Credit Limits Inconsistent Derogatory Remarks of alleged late payments
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Checking or savings account

Was Trying To Link My Account To An External Account and It 's Blocking Me From Doing So.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries and I believe that I am a victim of this error
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with the XXXX XXXX firm for debt consolidation. I settled my accounts with XXXX XXXX, XXXX XXXX  , & XXXX XXXX in 2019. According to the credit bureaus the accounts are still delinquent. I reached out to the XXXX law firm & they told me it should have been reported 90 days after it was settled. Ive recently been told they are reaching out to them but they dont know how long it will take. Bottom line. The resolved accounts have been cleared but the creditors have not reported it for over a year.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Experian refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the Experian to not disclose the furnisher of information. The entry of I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I Experian must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Experian does feel that they are above the law. So instead of deleting the entry, Experian double down on not deleting. I want this bankruptcy deleted from my credit report because Experian violate the law. 
Experian is also reporting the Bankruptcy court as the furnisher of information which is false because the court does not furnish the information. Experian must delete this information for willful violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get errors on my credit report fixed through Experian nor can I get my report mailed. I have tried to call the company multiple times without being able to speak with a representative.
Product: Credit reporting or other personal consumer reports

In late XXXX of this year I called The Receivable Management to discuss my debt. I explained that I had switched insurance companies and didnt feel that I owed this debt. However, I wanted it off my credit and wanted to know what was the best offer. At the time the debt was {$440.00} and they offered me a settlement of 20 % off. I took the settlement and agreed to pay {$350.00}. Ever since then they have reported me with a balance of {$89.00}. I called the company twice and both times was told that the person who originally took my payment didnt enter the settlement offer in correctly, but that it was in their notes that I was given an offer and took it. I was told on both occasions that they would fix this issue and report it correctly to the credit bureaus. To date it has not been fixed and this is taking a toll on my credit and how I am trying to fix my life.
Product: Debt collection

The Original creditor, XXXX XXXX XXXX XXXX XXXX XXXX   updated their reporting software and at the time of payment of a separate account, they weren't able to alert me of a payment I had outstanding. On XX/XX/XXXX, I saw that LJ ROSS and ASSOCIATES placed a collection with all three bureaus in the amount of {$400.00}. I thought this was fraudulence due to  XXXX  XXXX not communicating to me that I owed a debt. As soon as I could I settled the debt with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$430.00}. 

After paying the debt in full, LJ ROSS and ASSOCIATES is still reporting a collection with all three bureaus. I do not have a balance nor do I have an account with LJ ROSS and  ASSOCIATES. This blemish is keeping my score low and will potentially keep me from attaining my ultimate goal of home ownership.
Product: Student loan

Hello, I was a student at  XXXX   XXXX  College. I had taken out loans when I started school  XXXX  of    2016 wi th the schools financial department, this was my first college that I had ever attended so I 100 % put my trust into this school. I was told that I would have to make a payment every month towards my school loan to stay in school I then stated to them that I was a single mother and my pay checks that I were getting were toward my living expenses and my child 's. So they offered my a stipend to help pay the loan. Then on  XXXX   XXXX ,  2016 ev ery student received a message stating  XXXX   XXXX  College has permanently closed effective immediately. We were not given any notice this was shocking to everyone. I called  XXXX  who is with  XXXX   XXXX   XXXX   XXXX  and they had no knowledge to what was happening and that I would be contacted for future information. I did not receive any phone calls for this matter. I then had to look into to other schools and found one  XXXX   XXXX  University who did a teach out and were able to continue but of course for a cost. I am now in my second term there which is actually  XXXX  quarter there and since being there have been paying on my tuition there.  XXXX   XXXX  college did not leave any funds in my account, they took all my financial aid and my Pell grants so everything in this school is out of pocket. I am currently paying the little I can every month and still have a balance of {$5800.00} not including the next term if I do pass. With all this going on I have recently received a letter stating that I must pay  XXXX   XXXX   XXXX   XXXX  {$4100.00} which is upsetting because I did not receive my education from  XXXX   XXXX , the agreement was that I pay back the loan and  XXXX   XXXX  College provide me with my education to complete my  XXXX . They just Abandon all of the students and left them with the debt and left us without a degree.The school shut down with no notice, when signing these contracts that never stated what was to happen if the school closed, the only statement that was ever said was if you chose to leave school that I would be responsible, which is fair but I did not make that choice, instead the school was shut down immediately with out any notice. I now have to pay out of pocket to this new school just to finish my education, and I do n't believe that is fair as a single mother just trying to continue on for my daughter to have to pay this amount back.  XXXX   XXXX  College stayed with this money, I did not leave school. did not take an absence or leave, did not fail in my classes but this school just shut down without any notice to anyone. The news was there the day before we were having class normally and not once did anyone say anything. That is completely heart breaking. I am Upset, hurt, discouraged when all I want is to finish my education. I can not pay for these loans with the loans that I have for this new school. There was a breach of contract and  XXXX   XXXX  College should be held liable. Thank you for your time
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for service to repair my credi with Lexington Law and XXXX XXXX XXXX and I was charged numerous fees that was not discussed
Product: Credit reporting or other personal consumer reports

I have reached out to the following companies Experian, Equifax and Transunion, along with XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX. I provided them with an FTC report as well as a sworn police report Number ref here : ( XXXX ). 

XXXX XXXX XXXX$15000.00}, XXXX {$11000.00}, XXXX XXXX {$13000.00}, XXXX {$16000.00}, XXXX {$7900.00}. 

My concern is that they are erroneously processing my block request as a dispute and conducting an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report.
Product: Mortgage

I have a HELCO where the draw period ended in XX/XX/XXXX. The HELOC became amortized at that time. Months before, I requested Bank Of America agree to reduce the amount of the amortized payment, possibly amortizing the amount over a longer period. 
In 10 years I never made a late payment and did not ever want to be late. I just want to repay the loan, making a payment I can afford. 

Bank of America rejected this, stating I had shown no need for this request, and did not fit their delinquency program requirements. 

In a mostly boiler plate letter, the representative, XXXX XXXX, said if circumstances changed, reconsideration may be available. I sent her a letter on XX/XX/XXXX, showing a change in circumstance. Not hearing from her, I left a voice mail on XX/XX/XXXX and again on XX/XX/XXXX. Still not hearing from her, and having no main phone number to call, I left a message on the voice mail of XXXX XXXX, letting her know I knew this was not the correct extension, but hoping she would have the courtesy to call me back and refer me to the correct person. Again, she has not called me back. Apparently, the only way to get Bank of America to respond, is to file a complaint.
Product: Student loan

navient has yet to fix the credit dispute event though they said the hit would be fixed. calling multiple times the issue has yet to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over 45 days ago and it still reports as open on my credit report.
Product: Prepaid card

I spoke with someone at Vanilla gift card services. She advised that someone else is trying to claim the card we have ( visa ). She asked that I send copies of my photo id, receipt for the purchased card,, as well as picture of the actual gift card. I did so only to find my email undeliverable. I've spent an hour on the phone without being able to speak to a customer service representative. The case number for the dispute is XXXX
Product: Debt collection

To whom it may concern, This letter is being sent to you in response to : - Notice sent to me on XX/XX/XXXXXXXX XXXX XXXX  - Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX I filed a dispute t items being reprted by a consumer repoting agency. they stalled the process by saying i need to send in more proof of my identy after i had already sent them my up to date stete id and social security card and a resent bill. 

this information is invoilation to 18USC A1 2 a
Product: Mortgage

In the beginning of this year, I refinanced my house the mortgage agentdid the loan with XXXX XXXX. XXXX XXXX sold the loan toNationstar Mortgage. I received a letter telling me to send my payment toan address and a detachment portion. I am to send the detachment portionwith my payment. Which is what I did, however, I do n't know what theaddress was that I sent the payment to. But I sent them the payment onXX/XX/2015. For the next few weeks my check was n't cleared. I'mthinking the check was lost. In about the middle to the end of the month, I received a statement from Nationstar Mortgage informing me I owe themfor two months. No problem, I put a stop payment upon the check onXX/XX/2015. Then I paid them {$2300.00}, which paid them for XXXX paymentsof {$1100.00}, and provided {$32.00} left over to put upon my principal. Theyreceived that payment on XXXX/XXXX/15. Later XX/XX/XXXX, I receivedanother statement dated XXXX/XXXX/15, this statement informed me that the nextstatement was due on XXXX XXXX 2015, NOTE XXXX XXXX, 2015, NOT XX/XX/XXXX BUTXX/XX/2015. What am I supposed to think? I 'm thinking there is no Aprilpayment, I thought that until XXXX XXXX, 2015, when I received a call fromNationstar about where is my XX/XX/XXXX payment. I then sent them twopayments covering XX/XX/XXXX and XX/XX/XXXX. As per their policy, I sent them a copyof the confusing XX/XX/XXXX statement with the XX/XX/XXXX due date. I informed themthat it was their fault not mine and I expect NO PENALTIES. 
Guess what? I did receive penalties over {$100.00} in late fees, I have triedcustomer service if you can call it that. I received long wait only to be hungup on, the waits were about fifteen minutes to get someone, then I wouldbe transferred to someone else, with no one picking up. My desireresolution would be to at the minimum get rid of the penalties and XXXX, have Nationstar sell my paper to another company like XXXX, XXXX XXXX XXXX, XXXX XXXX, they would be fine. I really do n't want to deal withNationstar anymoreNationstar informing me
Product: Credit reporting, credit repair services, or other personal consumer reports

Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these unauthorized inquiries several times, and to no avail, nothing has been deleted. These inquiries do not belong to me. My next step will be to file a complaint with the federal trade commission. 

XXXX XXXX XXXX XXXX-REPORTING TWICE XXXX -REPORTING TWICE XXXXREPORTING TWICE XXXX XXXX XXXX-REPORTING TWICE
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXXXXXX Balance Owed : {$44000.00}
Product: Credit reporting

I submitted my disputes to the Transunion Credit Bureau. They have refused to remove the erroneous information and continue to send me letters saying they have verified it. I have sent documentation and have also requested copies of the instruments and the investigation process. Transunion refuses to comply. 
They are also listing XXXX addresses I never lived at, and I have sent copies of my lease from the last six years, a utility bill and a copy of my drivers license as they requested. I did not ever live at the following : XXXX, IL XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXXXXXX Inquiry DateXXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.
Product: Money transfer, virtual currency, or money service

I made a money wire via my XXXX credit card for XXXX $ to a friend in XXXX using Western Union via their website- I opened an account for myself with them today just before this transaction 2 transactions were charged on my card instead on the single one I made. 
My bank thankfully caught that and cancelled the second fraudulent one. 
Western Union was showing both in their system as they were made by me. I had them cancel my account for safety.
Product: Checking or savings account

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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.