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

EARLY WARNING SERVICES FAILED TO DISPUTE THE INFORMATION THAT WAS REQUIRED OF THEM TO DISPUTE ONCE NOTIFIED ABOUT THE ERROR EXISTING ON MY CONSUMER REPORT CONCERNING FINANCIAL INSTITUTIONS BANKING HISTORY. THEY STATED THAT THE CONSUMER REPORT COULD HAVE BEEN INVOLVED WITH IDENTITY THEFT BUT NOT THEIR COMPANY. EARLY WARNING SERVICES HAVE OBTAINED MY INFORMATION WITHOUT CONSENT FROM ME. EARLY WARNING SERVICES FAILED TO PROVIDE THE CONTRACT BETWEEN THEIR CORPORATION AND I. EARLY WARNING SERVICES FURNISH INFORMATION FROM BANKING INDUSTRIES UNDER MY INFORMATION WHICH I DID NOT HAVE ANY KNOWN KNOWLEDGE OF NOR HAVE I EVER CONTRACTED WITH EARLY WARNING SERVICES OR GAVE THEM PERMISSION TO USE MY INFORMATION. EARLY WARNING SERVICES IS A THIRD-PARTY SERVICING AGENT REPORTING FOR FINANCIAL INSTITUTIONS THAT I HAVE NEVER BEEN A PARTY OF NEVER HAVE I EVER DONE BUSINESS WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.
Product: Credit card

The problem that I'm having with XXXX XXXX is that they are charging me over 1,000 % interest on a {$2000.00} loan that I made and I've been paying every month about {$120.00}. The original amount was {$2000.00} and according to them I still owe over {$1800.00}. So I have paid in 9 to 10 months about {$1200.00} and if you subtract {$2000.00} minus {$1200.00} that's going to come up to about {$900.00} and it's showing that I owe {$1800.00}. I called them several times, asked for proof of how much interest I'm paying and to send it to me and they don't want to send it to me. They are telling me to just check on the app, in the app it doesn't show any explanation of how much is going to the principal balance and how much is going to interest. I called this customer service and he wasn't able to explain to me. He started talking about some fees for some type of transportation and late fees. I haven't had any late fees so they just making up bogus fees and when I asked him to send me the proof he just told me that he can not send me anything and I told him that this conversation was being recorded and I was going to find out what was going on with the government and with the CFPB and he just got nervous and hung up on me.
Product: Debt or credit management

I file a complaint and get this complex in XXXX. It was a attorney general complaint. Ive also filed complaints with consumer finance. This company keeps reselling this debt to different debt collection companies and they call the harass me. Im following this complaint to have this removed from my credit and to have them stop having credit is calling harass me I did not live in this apartment in XX/XX/XXXX and my 60 day notice was not properly filed so they claim that I owe them for a month that I did not live there I have written letters to have this removed from my credit and when they remove it from my credit, the debt collectors just sell the debt to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau to perform an investigation of the accuracy of items being reported. 

1 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX portfolio recovery has violated my rights.they are unable to validate the account. 

2 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights. I paid {$200.00} deposit and they are reporting {$250.00} past due. Where is my deposit 3 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX  has violated my rights.was told to pay account up to date and the late payments will be removed.

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
Product: Checking or savings account

I opened a CD for {$1000.00} on XX/XX/XXXX with Marcus by Goldman Sachs. The CD was to mature on XXXX XXXX. On XX/XX/XXXX I called, per their instructions, to take the option that was offered to close the account and have a physical check mailed upon maturity of the CD. I was told that everything was taken care of, but I did not receive a check. I called back and was told my original check to open the CD did not clear the issuing bank. This was confusing, because I had been told in the beginning that the account was, indeed, funded, and I received regular statements showing the account along with interest earned. I did not receive a check after this initial contact with customer service, and, after the third contact in as many weeks, the customer service person told me that the check that had been issued to close the account was " called back '' due to the fact that the original funding check had not cleared. During that conversation, the issuing bank was included in a conference call and the bank confirmed that the original check did clear. I was informed again by the Marcus representative that a check would be issued, and the account would be closed, a closing process that would take " three business days '' and a check would be processed after that. I was told I would forfeit some interest due to closing the account, which was confusing because the CD had reached maturity. I got a letter, and the online account indicated, that the CD had rolled over to a new CD, which I made very clear was not my intent when I originally closed the CD on XX/XX/XXXX. As of the filing of this complaint on XX/XX/XXXX, I still have not received a check from Marcus. When I asked for some documentation supporting my several conversations with Marcus as well as for the account closure, I was told there would be none. Thank you for your attention.
Product: Mortgage

I applied for financial assistance, loan modification or forebearance through Shellpoint Mortgage starting back in 2020 because I went through a divorce while I was very sick. I had XXXXXXXX XXXX in one month when my husband left me with no vehicle. It took me a year to get well and be able to go to work and buy a car but then Covid hit and I ended up with XXXX 4 or 5 times. I lost my brother and nephew to Covid- I raised my nephew so it was a hard time. I filled out the mountain of paperwork that was required in order for the mortgage company to see if I was eligible for assistance and they told me that I was but nothing ever came of it so I would call in to check the status and they would tell me that I needed to send in updated check stubs and resend the same packet of paperwork again- so I ended up doing this 17 times over the last 3 years. I was told that because I didn't send in the paper work all together that the paperwork was not submitted together and so I attempted to email an attachment with 37 pages but somehow was unsuccessful when I checked back with them so i ended. up faxing the paperwork to them in XXXX of last year and it cost me XXXX $ to print out 37 pages and fax them. I checked the status two weeks later and was told I had to send in updated check stubs and paperwork! Again I was told that I was eligible. I then decided to apply through the Georgia Mortgage Assistance and they said that I was eligible contingent upon the mortgage company filling out a workout agreement and returning the agreement so the State of Georgia would consider helping-no funds would be released until they know that they will work out remaining balance and nor foreclose so I emailed the form to Shellpoint Mortgage and called them in a few days and they claim they didn't receive the email with workout sheet attached so I resent it and then I faxed it and called again after a few days and still claim they have not received it. I am at my wits end! I am going to lose my home! Please help! 

Thanks, XXXX XXXX
Product: Debt collection

Since XX/XX/year>, I have received multiple phone calls from American Adjustment Bureau , Inc., a debt collection agency. They left voicemails on the following dates : XX/XX/year>, at XXXX XXXX  XX/XX/year>, at XXXX XXXX  XX/XX/year>, at XXXX XXXX  In each voicemail, they identified themselves as American Adjustment Bureau, stated that the call was an attempt to collect a debt, and provided a reference number ( XXXX or XXXX ) for follow-up. However, they did not specify the name of the original creditor or the amount of the alleged debt. 

Despite these calls, I have not received any written validation notice from American Adjustment Bureau. Under the FDCPA, debt collectors are required to send a written validation notice within XXXX days of initial communication, outlining the debt details, the creditor, and my rights to dispute the debt. American Adjustment Bureau has not fulfilled this requirement. 

Due to the lack of written validation, I am concerned about the legitimacy of their claims and the potential impact on my rights as a consumer. I request that the CFPB review this matter and ensure that American Adjustment Bureau follows all required FDCPA procedures, including providing a written validation notice, before continuing any collection efforts.
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 : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX - XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX balance of {$5100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDNELNET, XXXX  XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a debt that was paid. This money was taken out of my mother 's tax refund. Also they are billing ME for it now and at the time I was XXXX years old. I called them and they insist this is my debt. I am XXXX. I was born in XXXX. The date of service was XX/XX/XXXX.
Product: Debt collection

I started to see this collection account in XX/XX/2024. I disputed the accounts because I did not recognize the company. I was contacted via phone call in XX/XX/2024 via a spoofed caller ID that made the company appear to be a local Texas phone number. I verified that we were on a recorded line, and informed the company that I have not received XXXX XXXX or XXXX XXXX and requested all communication be through certified mail. I requested not to be contacted by phone or email. I have yet to receive any communication from this company.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of a credit report. The account Sezzle account number ( XXXX ) has been incorrectly reported as a charge-off while still reflecting a balance, which is inconsistent with accurate credit reporting standards. Additionally, a past-due balance is being reported, despite the account already being classified as a charge-off. This misrepresentation is a violation of credit reporting laws, as furnishers are required to provide complete and accurate information. I have previously disputed this account with XXXX, but they failed to conduct a proper investigation and denied my request for correction. Furthermore, I have been informed that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and failing to notify consumers of dispute results. My situation aligns with these concerns, as XXXX has neither corrected nor removed the inaccurate information from my report. Due to these reporting errors, my credit score has been negatively impacted, affecting my ability to secure essential financial opportunities, including [ a mortgage, auto loan, personal loan, etc. ]. I request that your agency reinvestigate this matter thoroughly and ensure that the inaccurate reporting is corrected or removed immediately. XXXX violates my rights as a consumer, as well as federal laws. I appreciate your prompt attention to this matter and look forward to communicating in the future.
Product: Vehicle loan or lease

On around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I respectfully many Federal complaints against Toyota Financial on my Financial Hardship and unable to make payments of {$480.00} a month. 
XXXX Department of Justice file case # XXXX, CFPB case file # XXXX and File case # XXXX. 

On XX/XX/XXXX I purchase XXXX XXXX XXXX and I explained to Toyota XXXX that I can not afford payments of {$480.00} a month but Management insisted that payments will be lowered and affordable, but it never happened. 
I told Toyota XXXX in XXXX, California I can only pay {$300.00} a month and that I was XXXX XXXX and on a fixed XXXX income only. 

I am not able to refinance existing vehicle loan because my negative credit and credit scores and no other financial institutions will not approve refinancing.
Product: Credit reporting

My Equifax credit report has an account that I have no knowledge of, as well as a collection account for the above account. I have disputed this account for two years and have gotten no where with the creditors, collection agency, and the credit bureaus. The account in question is XXXX XXXX XXXX, and the collection agency is XXXX XXXX. Both companies are reporting an address that is not my residence, in fact it is about XXXX miles away. The address that is reported is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I want any and all accounts, connected with this address deleted. I do not reside there, nor do I receive mail there. I have asked for validation with my signature on several occasions, and had never received validation for these accounts. Please have these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

I specified on 2 disputes online to Experian that my name only has 1 correct spelling and there should be no variations listed because my name has no variations. My photo ID was enclosed to show them the correct spelling. In addition, I only have 1 permanent address and that all other listings of my address should be deleted, YET they refuse to abide by the FCRA ( Fair Credit Reporting Act ) and delete all inaccurate information, which is a federal violation.
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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$850.00} FST XXXX  XXXX Balance : {$1700.00} XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$160.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> I received a total of {$900.00} to my Venmo account Later that evening I was able to send {$400.00} to a friend 's XXXX When I tried to transfer the rest to my own bank, it was declined. I was then not able to send any more via XXXX or other sources. 

I contacted Customer Support and was told they were not sure why but my account was in good standings. She suggested I attempt a standard bank transfer which would take 3 days. I was unable to wait 3 days so I declined. 


XX/XX/year> I attempted again this morning to transfer funds out. I removed all bank information and tried adding again. O

nly one bank would attach to Venmo this time through Plaid and that said I was unable to transfer still. I also could not send money out, not even to another Venmo user. I then received an email that my account was suspended
and I needed to upload my ID. I did just that immediately, only to see it would now take 3-5 days for my account to be opened. 

I contacted customer support via chat. She says they have no information on why I couldnt transfer or why my account was frozen and only an account specialist has this info. She also told me that the specialist is not able to be contacted by phone or chat and I would have to wait the 3-5 days for this. 


I am unable to wait this long. There is no reason I should not have had access to my funds.
Product: Debt collection

This company is reporting a debt that does not belong to me, I was not in school 4 years ago. 

Hauge - {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent a dispute to Experian to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/2021 via certified mail. Based on the tracking number Experian received this dispute on XX/XX/2021. I received a response from Experian, but not all incorrect information was removed so I sent a follow-up request on XX/XX/2021. Based on the tracking number Experian received this on XX/XX/2021. As of today, Experian still has not fully removed all of the incorrect information. At this point this needs to come off my credit report. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of 2021. Two attachments are the confirmed delivered receipts for each dispute. Experian has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

Thanks, XXXX XXXX XXXX
Product: Debt collection

I submitted a debt validation request to XXXX XXXX XXXX on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XXXX XXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.
Product: Debt collection

XX/XX/XXXX at Received voice message saying she's not sure she has the right company, gives an address that my company is not associated with. Said her name is XXXX and to call her back at XXXX reference number XXXX for an outstanding debt. 

Later on XX/XX/XXXX received voice message Access Receivable tying in last 4 digits of my bank account to a balance that is due {$1600.00} XX/XX/XXXX received email from XXXX XXXX at Access Receivables saying there is a balance of {$1600.00} that must be paid. The fastest say to suspend collection activity and eliminate delinquency is to make arrangements to pay directly with their office. Access Receivables says their client XXXX  is responsible for making the claim. Neither myself nor my company have any connection with XXXX.