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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I was interested in buying a 2003 XXXX XXXX XXXX  from XXXX XXXX XXXX in California  ( I live in  XXXX XXXX  ). They quit making the XXXX XXXX  so I was looking nationally for a low mileage model with a beautiful XXXX combo. This car was perfect. My first time a salesmen showed me car going around it with the video on his phone. I agreed it was perfect for me. They needed a {$4300.00} deposit which I gave them with my bank card. A day or two later a second salesman called me and want to show me the car again because the first salesman was new. This time it was shown to me that the car had a tear in its roof. I was still interested in the car and told that salesman that I would get estimates on fixing the roof. Well it was a few XXXX dollars to get replaced. I was mailed paperwork but never signed any forms as I now knew I couldnt afford to buy it and get it fixed. The company has refused to give me even partial deposit back. I consulted with a lawyer who mailed them a letter asking for my deposit back but they never responded to the letter. Please offer any help or advice you can. Thank you!
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 consumer financial protection act cfp a specifically cash flow to take timely and effective measures to protect address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution process was unfair and deceptive and they did not comply a resolution requirements the electronic fraud transfer act efta and regulations e. These actions have cost significant inconveniences and financial loss I seek appropriate dress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX  XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

RM Galocoa/progrm mgmt systems is reporting on my file, however I have no contract them and have never opened an account with them. I believe this is a violation of my privacy rights.
Product: Mortgage

We wanted to end the forbearance on our loan. The loan servicer sent a loan modification, adding 10 years to the back of our loan. Adding the full forbearance amount to the principal and charge interest on it. This is against federal law. When we asked to modify the loan by adding the unpaid balance to the back of the loan, they said the investors wont allow that. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 

* Discover Bank I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 . 

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX, and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible
Product: Student loan

I have a Perkins Loan with XXXX University, serviced by ECSI. They charge a debit card 'convenience fee ' of {$5.00} on my monthly payment of {$100.00}. This amount is unreasonable.
Product: Credit card

I believe I know XXXX XXXX XXXX, better than he knows himself. Him and him female friend XXXX XXXX, is believed to be involved in credit card theft and identity theft. It was reported to the XXXX XXXX XXXX police department, XX/XX/XXXX. 
It was not documented, prior due to either police negligence and or corruption, at the XXXX XXXX department. 

Things that follow that man, over the last 15 years, no matter the residence, no matter the year, the things that follow him are credit card statements and new credit cards in different people 's names. Other incidents are him receiving bulk boxes of merchandise, in other people 's names. He received bedding, picturesXXXX XXXX XXXX XXXX, and more, I was home with a medical leave, and he got mad, because there was a brand-new credit card in the mail, and I got it and held onto it, to return to the post office. It went missing yesterday, after getting a XXXX, and the courthouse told me and my daughter not to go home, until the papers are served. I went through all the paperwork for court of, 15 years and continuing of DV and harassment through multiple parties. 
He also told me, that XXXX XXXX worked at the XXXX office, she was my case worker back in XXXX. He told me, she gave him, my information. I have had this happen to me several times, back in XXXX - XXXX. I had missing mail, as well as missing new credit cards go missing after he returned in my life in XXXX. I had stolen debit card numbers, several times, and hacked accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information and addresses and closed accounts and wrong accounts.
Product: Credit reporting or other personal consumer reports

I have two issues Experian credit score is like XXXX points lower then my credit score with XXXX and XXXX causing me to be charged higher interest rates or been denied. I disputed Collections items on my credit report for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I provided the documents to show that I was a victim of identity theft. Experian repeatedly stated the items are mines I feel the items wasnt investigated, the items was deleted from XXXX and XXXX. Also Experian has dropped me credit score repeatedly when theres no change to my report. Also Experian will not allow me to dispute items on their website.
Product: Debt collection

This is the same debt that was just corrected by the previous collection called XXXX and now they have given it to the following XXXX XXXX XX/XX/2016 {$210.00} {$210.00} XXXX XXXX, IA XXXX ( XXXX ) XXXX here is the response for the previous collections as I have made it clear it is not my debt can you please helpme because they have greatly affected my credit score from XXXX to XXXX and that is XXXX XX/XX/2016 Re : XXXX Case # XXXX Our File # XXXX To whom it may concern, We are in receipt of your consumer complaint submitted in regards to a XXXX file # XXXX. Our Compliance and Quality Development Departments have completed an audit and investigation on this file. 
We received file # XXXX for account # XXXX from XXXX on XX/XX/2016. A copy of your complaint was forwarded to our client for review in XX/XX/2016, but we have not received a response so therefore have closed our files on this matter. Also, we have removed this item from your credit file. 
We apologize for any inconvenience this may have caused for XXXX. Should you have any further questions or concerns regarding this matter please feel free to contact us. Our hours of operation are Monday through Thursday XXXX - XXXX and Friday XXXX - XXXX EST. 
Sincerely, XXXX. 
Compliance Department XXXX
Product: Mortgage

Chase home lending assumed my mortgage from XXXX XXXX. In the last week of XXXX, my insurance company informed me that they had cancelled my insurance policy for XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, TX XXXX last spring. They were unable to get in contact with the lender ( Chase ) to update them with my new policy. I never received any communications ( letter, e-mail or phone ) from Chase about this. Therefore one of the two scenarios has occurred : - My property has been uninsured which is a huge liability. 
- Chase insured my property at a rate that is higher than I planned on paying, without telling me. 

This needs to be rectified. I have not been able to resolve this with Chase.
Product: Credit reporting or other personal consumer reports

My credit was pulled at several car dealership without my knowledge the dealership never gave a written copy of any of the loan processor/financial source who would receive my information, I was never shown any vehicle of interest they would not allow me to proceed without them running my credit. I started receiving mail from all over the place from finance companies that I did not even know, had my social security number I don't know who hands my personal information was place in I contacted Experian and disputed this is fraud they did not care they left all these inquires on my credit report I never authorize these inquires. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

We have account with Bank of America. We gave a check for the amount of XXXX for tree felling services to one of the service providers.. This check was deposited by the receiver in his bank which is XXXX XXXX. Both banks are located in XXXXXXXX XXXX. Our check was returned on XX/XX/XXXX with Refer to makercomment and a XXXX USD fee was charged. We approached both banks on XX/XX/XXXX. BOA insisted that the check had already been cleared.and XXXX XXXX stated that they have the money with them, our client has to deposit the check again which our client did. On XX/XX/XXXX. this check is again returned. Meanwhile I filed a complaint with Bank of America. There was a an error in our check date instead of XXXX my husband wrote XXXX, but our bank stated there is no problem due to the date. At the end XXXX XXXX USD missing from our account. We had to pay our tree felling service provider with cash including interest. It has been XXXX months since this unresolved issue is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thank you for your help in removing some of the erroneous items on my file which are seems to be inaccurate. Per FCRA segment 605, you are required to disposed the following items that are seems to be an error on my credit report. I think you have enough time to make actions regarding this matter and be resolve immediately and as a result of that I am expected that all the items that such an error on my account will be removed. Kindly delete these following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

First of all, thank you for the work you do. You are all invaluable and underappreciated. 
When I started repaying my loans around XX/XX/2014 after graduating university, I was not aware of Income Based Repayment. Only after I have maxed out all my credit cards ( about XXXX dollars added on top of what I already owed ), and when I had no means of paying the over XXXX a month I was being charged, did I find out about income based repayment. My credit will take a couple of years ( about 2 ) to recover ( that 's because I 'll stay at home and eat mainly chicken, eggs, and ramen ). Granted, I 've had a recent hard inquiry into my credit, and I missed one payment one year ago, but the amount of credit card debt I have now is the major factor affecting my credit. And the APR on my credit cards are double the rate that the student loans were charging me. If I just applied for IBR right after returning from university, would I be in the situation I am in now? Did I miss an opportunity? How much money did I actually lose and continue to lose? I 'm only paying XXXX a month now, and my previous job, when I first left university, only paid me half of what I make now. I went to the XXXX XXXX XXXX XXXX XXXX, in XXXX.
Product: Credit reporting

Equifax markets a 3-in-1 Credit Report product that only includes information that the credit reporting agencies are required to provide for free. I understand that the terms of the product do not state that credit scores will be provided, however it is clearly misleading to offer a paid product next to your free report that contains no additional value for the paying customer. 
I would like a refund.
Product: Money transfer, virtual currency, or money service

Venmo closed my account and is holding my funds for 180 days and I need this money assp
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX
Product: Debt collection

Choice recovery XX/XX/XXXX - XXXX. XXXX all together I owe {$1300.00} for medical bills I never knew anything about debt collection or how this works or how to remove it from my credit
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home. Please remove the fraudulent accounts from my credit report as soon as possible before litigation due to company has not verified account with my signature.
Product: Credit reporting

Equifax deliberately negligently rubber stamped previous complaints against XXXX XXXX without investigating the facts. XXXX XXXX who was also complained to regarding the same situation came back and indeed confirmed that they were wrong on one of the 2 payments. They also negligently again indicated that another payment which was received on the XXXX of the month they would not correct and incorrectly changed the due date of the payment. The third payment that was contested was received on the date they had on their bill the XXXX due date. From the letter received from XXXX XXXX it was stated on the letter dated XXXX XXXX XXXX that they would notify the Credit bureaus promptly about fixing the misreported payment of XX/XX/XXXX As of this date XX/XX/XXXX Equifax has not corrected their credit report. which leads to the conclusion that either XXXX XXXX is not telling the truth or Equifax is not responding appropriately. This was not the first time Equifax was alerted or contested that their credit report was wrong rather it is more than 5 times including this complaint. XXXX XXXX was written as well requesting copies of the letters or reporting to Equifax and the other credit bureaus as well as contesting the appropriate due date. Both Equifax and XXXX XXXX should get their act together and do their job of reporting accurately. XXXX letters of the response from XXXX XXXX and the letter contesting their response is attached. The original statements and proof were attached in the previous complaint. I also alerted XXXX agencies that since my wife XXXX XXXX is jointly on this mortgage XXXX equity credit loan XXXX that they should have fixed hers as well. Once again as of this date XX/XX/XXXX it is not corrected..
Product: Credit card

On XX/XX/XXXX, I received store credit cards from both Target ( Target Circle ) and XXXX XXXX XXXX Card. 

I did not apply for any of these cards and was not expecting either of them to come. I have not yet personally activated either of the cards. 

Today, XX/XX/XXXX, I contacted both XXXX XXXX and XXXX 's card departments. I was unable to reach a human representative at XXXX XXXX to explain my situation. However, I was able to reach someone at XXXX. I filed a report with their fraud department, but they also informed me that I have a balance of over {$400.00} from the in-store purchase of an XXXX on XX/XX/XXXX. I was neither in the store nor purchased an XXXX on XX/XX/XXXX. Their fraud department is supposed to be sending me paperwork within XXXX days so they can begin investigating whether it was fraud or not. 

I will be attempting to contact XXXX XXXX again today to see about talking to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for validation in XXXX of XXXX after looking at my credit report. The debt collecting company sent me validation of inaccurate information which is still being reporting on my credit report. The lease they sent me is NOT my signature.
Product: Debt collection

sent debt validation letter multiple times XX/XX/2019 XXXX2019 XX/XX/2019 final letter sent XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management LLC reported an account from XXXX XXXX  that was closed in XX/XX/XXXX as an open delinquent account since XX/XX/XXXX every single month on the earliest date Possible. They know it is incorrect and continue to harass me and report inaccurate unverifiable information. I told them they are reporting a inaccurate address and the still have continued to do it. These reports has caused an adverse effect to my life during the pandemic and I have a right to sue for damages and harassment. They have threatened to find ways to harass me and have threatened me but people need to know the lengths these type of people the fcra rights were made for. Account balance XXXX