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

On XX/XX/XXXX I pulled my consumer report from Experian, XXXX and XXXX XXXX. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my adress a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between an associate and I for the company XXXX of the meaningless document that was sent to my address. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from Experian, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not senT me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Product: Student loan

In XXXX of XXXX I received a letter in the mail from a company called Arete Financial Group regarding ways to consolidate student loan debt and avoid paying accrued interest. I signed a contract with them stating that they would consolidate my loans ( at the time were 6 open credit lines through XXXX for student loans ) into one loan which is now only through XXXX. They stated by making payments to Arete, it would pay towards my loan principle and not interest, all the while I've been on deferment. Since XXXX of XXXX I made a total of 9 payments to Arete. The fee to sign up was {$400.00} which I told payments were supposed to be split into three payments. After the initial fee to sign up, payments were to be lowered to $ XXXX/month. I was charged {$190.00} for the first four months before payments were lowered. On XX/XX/XXXX, I received an email from Arete stating there is an active lawsuit between Federal Trade Commission v. American Financial Support Services ( a.k.a Arete Financial ). As of XX/XX/XXXX I was informed by a CSR from XXXX that no payments have been made towards my student loan whatsoever. I was advised by my federal student loan representative to contact the FTC and my personal financial institute to stop any further payments processed by Arete. Attached, I have supporting documents showing the payments that I made to Arete Financial Group along with the initial email from Arete regarding the lawsuit. I have already opened a case through the Federal Trade Commission which I intend to follow up with until this matter is resolved. I am requesting that Arete refund all payments that I've made to them starting since XXXX
Product: Debt collection

Received call approx XXXX telling me we owed XXXX to XXXX XXXX, an apartment we rented back in XXXX gent told me we had until XXXX to satisfy debt, or they would report to credit bureau XXXX I received an alert from credit bureau, and it turns out they had aready reported to them. I still have not received any validation of the debt. Now, of course my current lease is up in XXXX, and with this on my credit report, I will not be able to get an apartment..I have bank statements for the last XXXX years showing all my bills paid ( XXXX XXXX  ), and there is no way this charge is valid, and now that apartment building has been sold to new owners.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX  Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OXXXX XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.
Product: Debt collection

XX/XX/XXXX. Ordered Internet services from XXXX XXXX. Was promised services I never received! 
XX/XX/XXXX. My credit card was charged {$200.00} for services not received. 
XX/XX/XXXX. My credit card charged {$200.00} for services not received. Numerous, lengthy phone conversations with company to try to fix no service problem with no resolution, so finally requested that my account be closed which they did not do. 
XX/XX/XXXX. Filed services not received with my credit card issuer, XXXX XXXX. Was refunded the total of {$400.00} which XXXX XXXX was automatically charging me for. After investigation by XXXX XXXX, {$400.00} refund was made permanent which meant that the charges were wrongly made by XXXX XXXX. 
Up until XX/XX/XXXXXXXX  received monthly bills from XXXX XXXX and Frontline debt collectors, for the amount of {$750.00}. 
Made phone call to Frontline explaining that I had never received ANY internet services from XXXX XXXX and therefore I did not owe them any amount of money. 
Spoke with Frontline 2 times, XXXX and XXXX, and XXXX XXXX in XXXX, Can provide proof of ALL phone calls if necessary, during which I asked for an explanation for the then amount of {$750.00} which was alleged that I owed and they could not give me an explanation!! 
I am requesting an investigation of this matter so that my excellent credit rating can be restored. This company, XXXX XXXX, are crooks and I am pretty sure they have done this to others and I would like to help stop these wrongful charges by them. Thank you!
Product: Money transfer, virtual currency, or money service

My friend sent me money by mistake and reported the transaction immediately and requested a refund. Cash App will not refund his money because my account was overdrawn. They have XXXX places that show misleading information. Please see my attachments. All were screened shot from within their application. I have reported and requested the refund several times via all of their required methods. It is extremely misleading and I believe intentional for them to state they dont accept money not intended for me but then state in their fine print that they do.
Product: Checking or savings account

Back in 2017. I had Bank of America Checking account. I even had Direct deposit from my company that I still work for. The company name is XXXX to my Bank of America checking account. Furthermore, it was only direct deposit to my account for paying my mortgage and family expenses. I also had Saving Account that I had saved up {$26000.00} and I do not know where they go to or who withdrawal them.. 
I need to find about where it go. 
However, the account back in mid of 2017 that I did not authorize to anyone to do such thing that ruin my credit and reputation. Anyway, the account is closed and I lost my account, so help me find it please. 

Thank you, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX my wife at the time and I purchased a manufactured home. Country Place Mortgage held the loan. XX/XX/XXXX I separated from her and moved out of the home. At that time she had agreed to pay the mortgage payments. Sometime after that the home was repossessed. I learned of this in XXXX XXXX I believe. Each year since I have tried contacting them to determine what the home sold for and if they were going to issue a XXXX to the IRS. Phone calls have not resulted in anything other than them telling me they have time to decide what they are going to do. They will not even tell me what the home sold for. I have since learned the home was re-titled XX/XX/XXXX to a business or leasing company. Currently they are reporting I owe {$75000.00} to all XXXX credit bureaus. This amount does not reflect properly even if the home was sold for {$1.00} I have recently obtained court documents that show they " served '' me via a 3rd party. The server states they asked if I was an XXXX XXXX Service Member of The U.S or New York and received a negative reply. I am in fact currently on XXXX XXXX in New York and was at the that time as well. Country Place WAS aware of this as I had sent my orders and a copy of the NYS Patriot Plan. I fully understand I will likely owe something regarding this as will my wife as it is a joint account. I am hoping to be divorced as soon as possible. I just need to know how much is pending and if or when they will issue a XXXX to which I would need to pay income tax on. This situation is now causing issues with my security clearance. I had thought I was handling this properly by reaching out to them yearly to ensure whether or not a XXXX was issued or to determine exactly what was owed. Any and all assistance is appreciated regarding this matter.
Product: Credit card

For the past 6 months I have made a phone call every month, requesting my payment date be changed. My payment date was originally the XXXX of each month. I had a XXXX and went on XXXX, where I only get paid on the XXXX of each month. The credit card company told me they would change the due date to the XXXX, but I had to " unfortunately, this one time make the late payment '' to get my account up to date in order to change the payment due date. I paid the monthly payment and the late fee which totals XXXX XXXX They said two billing cycles and it would change. Each month I paid the late fee for the two billing cycles. The payment due date never changed. Each month for the past 6 months I called, I emailed, I sent letters. Each response was the same. " Pay the late fee this one time and we will initiate the payment due date change ''. 6 months later, they've taken {$310.00} dollars in late fees and charged me {$70.00} dollars interest on those fees. I've spoken to many different associates who tell me there's nothing they can do. My credit limit is only XXXXXXXX XXXX I paid XXXX XXXX  for 3 months thinking my due date was changed because I received an email stating it was, I figured I'd pay it off and close it. Not the case. They refused to close my account and they are refusing to help me any further. I can not keep continually paying them all the while nothing is changing. At this rate, I will be paying them for the rest of my life. Please help me.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. I have sent all documents for over 7 months to all 3 credit bureaus for the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have only received minimum responses that come over 60 days from my original investigation date. these creditors have incorrect information. XXXX XXXX XXXX have account information that is incorrect. Its reporting 30,60, 30 days late consecutively. XXXX XXXX XXXX  account was opened fraudulently in XXXX. I do not have an account with this company. The rating reporting is impossible. I have never had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These company 's refuses to remove these account off my XXXX or XXXX Consumer report using erroneous letters fake validation and stall letters. This has been extremely detrimental to my credit rating,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX while using their exchange system ( XXXX ) I was automatically logged off and was no longer able to log back in. XXXX would give a message stating " An error has a occured. Please contact XXXXsupport. '' I have contacted both Coinbase and XXXX ( OnXX/XX/XXXX and many times after ) without any resolution or movement on the matter. A ticket was entered and " escalated '' which stated I would receive reply back from their " specialists '' within 4-5 days. It's now been 7 days and still no response. 

I have funds locked up by their system without any reason or explanation from them as to why.
Product: Mortgage

During the pandemic, I went into forbearance on my current mortgage. I live in XXXX, and as soon as XXXX  approved their plans on how to assist affected citizens with the XXXX XXXX XXXX  XXXX dollars, I applied to the state. They processed my application and have been waiting on the servicer, XXXX, to sign on with the state so the can move forward. I have not been able to get get a clear answer on any of this from XXXX and just keep getting a different answer every time I call and each solution generally involves, just wait it out and be patient. This mentality has just added to the delays and I am just ready to get this resolved and move on, however, I can't because of the servicer.
Product: Credit reporting or other personal consumer reports

Im really disappointed to see unauthorized inquiries on my credit report this afternoon, and I have no idea why. When I checked my credit report, I was shocked to find discrepancies that hadnt been there before. I even tried refreshing my browser, thinking it might be a glitch, but the inquiries didnt disappear. I ask that you review the documents Ive sent with care, so I can finally stop worrying about this issue.
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 # XXXXXX/XX/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: Checking or savings account

On or about XX/XX/XXXX a check ( written on my Wells Fargo account ) was issued to a friend for {$170.00}. As it happens she attempted to deposit this check in her Wells Fargo account., She informed me she received a text message stating that the check could not be deposited and she should come into Wells Fargo bank.for an explanation. I as contacted immediately. This check was clearly covered and I couldn't understand what the problem is. I immediately called Wells Fargo customer service. I was told in so many words that " they '' could hold a check as long as they want to, but there wasn't any problem with my account and the problem lied with my friend, When I told him her account was with Wells Fargo to he could nlt offer anything except to tell her to come into the bank. This was not acceptable but rather than make a fuss, she decided to depsoit in another bank account and no problems occurred. On XX/XX/XXXX, I issued a % XXXX check to another friend, who also had account with Wells Fargo. He too had the same issue. He did not want to go into bank, tried to deposit at the ATM. I called again to ask was there something wrong with my account. Again, I was told there was no problem it was probably with the friend 's account. Again, I told them he had an account there as well.XXXX  XXXX, XXXX a check for XXXX, same problem except he was trying to cash it. I called them and they said the check was pre-dated. So I wrote reicpient another check seemingly no further problem.XXXX XXXX, XXXX, the recipient of the XXXX received another check I wrote for XXXX ( well covered balanace ) same identical issue, same response. I don't know why, they won't give information and I believe I am being targeted in some way. Most times I have at least a balance of XXXX in checking and XXXX in savings. Not sure why this is happening or why I get vague and unconvincing answers. Please help, I don't like dealing with cash, and for other banking issues I don't you use debit purchases anymore as my card kept kgetting " declined '' for no reason. can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

1, XXXXXXXX XXXX ACCOUNT # XXXX 2, XXXX XXXX ACCOUNT # XXXX 3, XXXX XXXX XXXX ACCOUNT # XXXX 4, XXXX XXXX ACCOUNT # XXXX 5, XXXX MAIN ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Credit Reporting To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax LLCs inaccurate reporting of a settled account on my credit report. Despite providing evidence and disputing the information directly with Equifax, the inaccuracies remain unresolved. 

The account in question, reported by XXXX XXXX XXXX  XXXX ( Account # XXXX ), was settled in full on XX/XX/XXXX, for less than the full balance. However, Equifax continues to report the following inaccurate details : XXXX. Account Status : The account is incorrectly listed as " Charge-Off '' or " Collection '' instead of " Settled '' or " Settled for Less than Full Balance. '' Outstanding Balance : The account reflects an outstanding balance, but the balance should be reported as {$0.00}. 
Reporting Dates : The " Date of Last Activity '' and/or " Date Closed '' do not align with the settlement date. 

I have made every effort to resolve this issue directly with Equifax by sending a dispute letter, along with supporting documentation, including : A copy of the settlement agreement dated XX/XX/XXXX. 

Payment confirmation showing the settlement was completed. 

A highlighted copy of my credit report with the errors indicated. 

Despite their obligation under the Fair Credit Reporting Act ( FCRA ) 611 to investigate and correct these inaccuracies within 30 days, Equifax has failed to address or correct the errors.

Resolution Requested : I request that the CFPB require Equifax to : 1. Correct the account status to " Settled for Less than Full Balance. '' Update the outstanding balance to {$0.00} Ensure the reporting dates align with the settlement date of XX/XX/XXXX. 
Provide a written confirmation of the corrected credit report. 
I have enclosed copies of all relevant documentation for your review. 

Thank you for your assistance in resolving this matter. 

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

The car was Repossessed years before payment dates listed are false. Car was sold XXXX.