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

I and my place of employment were directly affected by Covid during XXXX XXXX & XXXX XXXX XXXX. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 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, credit repair services, or other personal consumer reports

The information on my report that was removed that keeps coming back up is INSANE!! Transunion finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.
Product: Debt collection

This collection agency is trying to collect on the exact same debt as another agency XXXX XXXX XXXX. they both sent the same fake receipt of services to me.
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 Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Became behind in payments, had to utilize XXXX XXXX for Payment. 
A bank check was sent from my bill pay and was not accepted, but returned to me. 
XXXX XXXX Payments as follows : XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$520.00} XXXX XX/XX/XXXX {$520.00} Prior to submitting any further payments, called the Mortgage company to ensure they would accept payment amounts. The answer was yes. I paid the following : XXXX XXXX {$1100.00}. The total amount was still sitting at XXXX XXXX. XXXX XX/XX/XXXX spoke with XXXX who stated that their accounts department would be open 8a-5p she would call me back. Never called. XXXX XXXX XXXX with XXXX. She did not call back. XXXX XX/XX/XXXX spoke with XXXX. XXXX called me back and said if I do not hear from him he could not get in touch with anyone. I talked to my case manager XXXX XXXX my case manager who said the funds were with XXXX because the account number was not on the transmission receipt. I called again on XXXX XX/XX/XXXX spoke with XXXX XXXX and asked if I should just get the funds and resubmit with the account number. She said yes. I also asked if they would still accept the funds. She said yes. I checked today they received the funds the same day and when I called today XXXX XX/XX/XXXX I was told by the customer rep that the funds were being sent back to me because I am five months in the rear. I was put on hold to speak to XXXX XXXX and was disconnected before I spoke with her. I called back, five minutes later and was again disconnected when transferring.
Product: Student loan

My loans were previously with XXXX and were transferred to Mohela when XXXX stopped servicing student loan accounts. Everything was ok until I recently incurred about missing pay statements for XX/XX/XXXX ( XX/XX/XXXX is also missing ). I was emailed that those payments had not be loaded but I would not receive credit toward PSLF because I was in XXXX  XXXX bankruptcy. I inquired about this in XXXX by filing a complaint through this platform and was advised certain language had to be included. My attorney then filed a motion to add that language to the bankruptcy. I was allowed to participate In PSLF after paying almost {$700.00} to add that language. 

Now Mohela is saying I can not participate in the XXXX program because I'm in bankruptcy. I am only 4 payments away from forgiveness. This is not ethical.
Product: Debt collection

I paid XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX  ( Original Creditor : XXXX XXXX   ) XXXX Balance {$1400.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 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 XXXX 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 card or prepaid card

I have had two fraudulent purchases on my account in the last 30 days and I have had a fraudulent payment made to my account. This company is ridiculous and people should not be able to get into my account to do this. I have already changed my password several times too. Have asked repeatedly to speak to a supervisor and I have not been given any response
Product: Money transfer, virtual currency, or money service

I had a cash app account for several months now, and for an unknown reason theyve closed my account and the only response Ive gotten from them is an email stating i violated their terms of service. I didnt, i had to update my card and bank account on file and thats it. I submitted new photos of the documents as requested and then next day my account is closed and I have no idea why or how.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX.
Product: Credit card or prepaid card

This complaint about XXXX cobranded credit card issued by XXXX XXXX. The payment is due by XXXX XXXX EST on the due date and there is no way to pay before XXXX and NOT incur a late fee. General practices for financial institutions is to effective date payments received after the cutoff time to the benefit of the customer. But this bank does not do it.
Product: Credit card or prepaid card

I rented a car with XXXX rental car on promotion as a traveling XXXX worker the promotion was 400.00 for a total of 493.00 I had the car for 2 months after doing a extension it equal out the I had it for 2 months and like 4 days. The car was returned in brand new condition with a full tank of gas. The company charged my card for over 3500.00 and submitted falsified information to discover as my total shouldve been about 1175.00 at my daily rate per my signed contract that I thankfully took a picture of I have sent a complaint over to the XXXX and they agreed to take off about 1000.00 which is still a inflated price as they over charged without giving me my discount that I agreed upon. Discover has closed my account as i refused to pay those inflated rates that not what I signed for. My credit score plummeted and I have a bad outlook now because of it. Discover has refused to accept my signed contract and faxes stating they dont see it on the attached photo.
Product: Credit reporting or other personal consumer reports

My credit report shows errors under 15 USC 1681b ( c ) ( 2 ), with unauthorized inquiries impacting my credit. Please remove all unapproved hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple occasions - Unable to view or maintain credit report. This company constantly prompts for some sort of payment. 

You can not file a dispute nor view reports. They constantly request that you phone a number or pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new account alert from the tri-bureau credit monitoring with the below details. 
I did not open any account matching these details. 

Source Transunion Alert Date XXXX  Account Balance {$0.00} Payment Status 01 Name XXXX XXXX XXXX - XXXX Business Type XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued by a collection agency named XXXX XXXX for an installment loan I took out with another company named Opportunity Financial LLC. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to XXXX XXXX and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead XXXX XXXX took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted XXXX XXXX and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. XXXX XXXX contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. XXXX XXXX and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.
Product: Payday loan, title loan, or personal loan

My credit issue is with the World Finance. Contact information is as follows : Local office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XXXX XXXX XXXX  The creditor is engaging in intrusive harassment tactics. 
My bill is 7 days overdue. I have no history of missing payments. They never made an attempt to reach out to me directly ( supported by my phone and email records ). On this day, XX/XX/2023, they contacted a relative and my employer about my bill being 7 days overdue. 
I called the branch immediately and the manager of the branch confirmed that she contacted my employer and another third person to discuss this matter in violation of federal laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are generally prohibited from communicating with third parties, including your employer, about your debt. 

Upon request, my unedited phone logs can be provided.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of XXXXXXXX  SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened, Inaccurate informations or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The total amount is XXXX that was my taxes that netspend loaded onto a card that I reported stolen they allowed the card to be used and all money was drained. I reported to them last year that my identity was stolen, and they refused to do nothing about it. I have proven that this was not me by way of filing an FTC report a police report and by other means. I was told I would have a credit now they suspended all services to the card, and will not give the money they owe me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

On XXXX XXXX, 2016 XX/XX/XXXX XXXX XXXX opened up an account for XXXX dollars in my name. This is an error because I never opened up an account with XXXX XXXX. I would like for this to be removed because it is having a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some accounts were not being accurately reported on my report I called around XX/XX/2023 to have the correct information corrected and no action was taken. I could not access my credit report around XX/XX/2023 due to identification issues. I had sent the requested identification to update the record and recieve a copy of my credit report via the mail and did not see any change for a couple of months. And now I do not see anything on my credit report from this company.
Product: Mortgage

I HAVE FILED A PREVIOUS COMPLAINT AND I DID GET A RESPONSE BACK FROM THEM HOWEVER THEY ARE BEING EXTREMELY BIAS IN THE RESPONSE INDICATING THAT WE MUST START THE APPROVAL PROCESS OVER AGAIN WHERE THERE MAY BE A CHANCE WE WONT GET APPROVED FOR SOMETHING THAT WAS NOT OUR FAULT, THEY FAILED TO SEND THE ACTUAL CONTRACT WITH THE APPROVAL LETTER AND AND IVE MADE EVERY POSSIBLE ATTEMPT TO CONTACT THEM AND GET SOMEONE TO LISTEN TO ME. WHILE THEY CAN NOT PROVIDE ANY PROOF THAT THEY DID IN FACT SEND THE CONTRACT, THEY DO NOT BELIEVE I MADE ANY ATTEMPTS TO CONTACT THEM OR SEND THEM THE LETTERS STATING THEY HAVE NO RECORD OF THEM, I DID NOT SEND THEM REGISTERED MAIL BUT NEITHER DID THEY AND YET THEY ARE CHOOSING TO NOT BELIEVE ME BUT EXPECT ME TO BELIEVE THAT THEM, THIS BIAS ATTITUDE LEADS ME TO BELIEVE I HAVE NO CHANCE AT ANOTHER REPAYMENT PLAN AND FEEL LIKE THEY ARE DISCRIMINATING AGAINST ME. THEIR COMPANY HAS BEEN CHARGED WITH EXTENSIVE VIOLATIONS AND HAVE PAID MILLIONS IN FEES DUE TO THEIR ILLEGAL ACTIONS AND YET THEY ARE INSINUATING THAT I HAVENT DONE WHAT I SAID I HAVE DONE, THE ADMINISTRATIVE OFFICE WAS RESPECTFUL ENOUGH TO SEND CORRESPONDANCE REGISTERED BUT THIS OFFICE CONTINUES TO SEND MAIL UNTRACKED, LEAVING NO RECORD OF HAVING SENT ANYTHING AT ALL.i NEED TO DETERMINE THE DISCRIMINATORY NATURE OF THEIR ACTIONS AND INTEND ON FILING CHARGES WITH THAT AGENCY IF THEY DO NOT STOP ACTING IN THIS BIAS MANNER AND CHOOSING TO BELIEVE WHAT ONLY BENEFITS THEM WITH NO PROOF TO BACKUP ANYTHING THEY ARE SAYING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ALLEGATIONS of inquiries 1. XXXX XXXX XXXX 2. Spring leaf Fin Srvcs- XXXX/XXXX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX is NOT reporting COMPLIANTLY due to XXXXne of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is  clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!
Product: Debt collection

This is a scam call. I do not have any debt that has gone to collection or is otherwise outstanding