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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN : XXXX. XXXX XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX XXXX : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX* Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00}
Product: Student loan

My daughter attended what used to be XXXX and graduated. I took out Parent Plus Loans to pay for her education, with the intention that she would take out a loan after graduation, pay back the PPLs but that never happened. She got married, had XXXX children and I became XXXX enough that I could n't do my former job. In addition, I 'm now XXXX years old and would be hard pressed to resume work. I 've had XXXX and I 'm very XXXX. I have had many interactions with XXXX/Navigant with quite a bit of pleading on my part to put me on Income Based Replacement or Income Contingent Loans. I have applied for both of these but have been refused and given only the option of forbearance, which as you probably know, puts you out of jeopardy with your creditors but the interest continues to accrue. My original loan that was under {$100000.00} has now blossomed into a loan well over {$200000.00}. I think about this every single day. It has put a strain on my marriage, my credit, my relationship with my daughter and ultimately, my ongoing health issues. Please help me and all of the folks in a similar situation. We are all desperate.
Product: Debt collection

Been garnished for property that was sold 16 years ago and no longer in possession of. Never received any letters or communications from the creditor before I was served after it went to court and the debt isnt on my credit report. Theyve garnished my 4 times in the past before and they continue to do so til this day. The debt has been paid off.
Product: Credit reporting or other personal consumer reports

I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXXShowing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXX XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. USBK Court of XXXX Oklahoma DOES NOT report this information to any credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX XXXX for reporting an inaccurate debt on my credit report without proper validation, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

For over a year, I have disputed an inaccurate accounts from XXXX XXXX XXXX that appears on my Experian credit report. Despite my repeated disputes, Experian has refused to remove the account, stating it has been verified. However, neither Experian nor XXXX XXXX XXXX has provided any valid documentation proving that I owe this debt.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the legal right to receive : 1. A description of the method of verification Experian used to validate the debt.

2. The name and contact information of the entity that verified the debt.

3. Copies of any documentation used in the verification process.

Experian has failed to provide any of the above, making it clear that they are not following proper procedures as required by law.

Additionally, under the FDCPA ( 15 U.S.C. 1692g ), XXXX XXXX XXXX must provide validation of the debt when requested. They have failed to do so
Product: Credit reporting or other personal consumer reports

My credit report by equifax shows as my name XXXX XXXX XXXX XXXX which is incorrect, I request last year to remove it and I prove that was wrong sending them my social security number, my driver License and all documents they ask me to send and they never correct it. Also my date of birth is incorrect, it appears XX/XX/1989 and my date of birth is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account BUREAU OF ACCOUNTS XXXX with XXXX  since XX/XX/XXXX and the other credit bureaus, XXXX, and fast XXXX  replenished deleted the account, but XXXX  continues to report this account and responding that the account is correct and verified. when the company has never validated the account or provided a HIPAA release. On XX/XX/XXXX I started to keep track of my disputes in case I needed to make a complaint like this. and here I have some of the proof of my disputes with copies of certified mail and tracking number. also experian open a investigation one date and next date update if and three more date just close the dispute.and this is being since XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I bought a necklace off of PayPal for {$5000.00}, XX/XX/2018. After days, PayPal cancelled my payment. Which forced to to keep money in my PayPal balance. I rebought the item from my balance and paid. I got the item. After days of having it, I decided to get it checked. The item was fake. Fake gold necklace. I wanted my money bsck. The seller refunds me but PayPal limits my account. My money is in PayPal account ( my refund ) and they are not letting me get MY OWN refund off of PayPal. So my money is sittin there and they said I have to wait 180 days. Which is not right. Its my money. I paid with. I want my account to just be opened for me to withdraw my own money and I will be fine not using thier services.
Product: Checking or savings account

Checks were stolen while I was XXXX  and used to open a bank account with XXXX XXXX. When I discovered this, I immediately contacted local law enforcement who was reluctant to take a report, refusing to take an in-person report. I was told to handle it with the bank and that there was nothing the police could do. Finally, after months of not being able to get an answer from XXXX after sending in everything I needed with an affidavit disputing the checks used to open the XXXX account ( which XXXX keeps denying ) and having called every 3 days for over a year being ignored, sent me a notice that they will not help me recover my funds because I didnt cooperate with law enforcement when it was law enforcement that refused to cooperate with me. I have since reported this to XXXX. Nobody will take responsibility despite prompt reporting of the situation and evidence that funds have been grossly misappropriated and handling this situation where XXXX has been on conference call with XXXX and denied it removing funds from my account, has been devastating especially whiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED FOR XXXX CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?
Product: Credit card

I discovered two fraudulent transactions on XX/XX/XXXX ( as I recall ). Both were with XXXX 's at two different stores in Florida. I don't live in Florida. I immediately called Citibank upon this discovery and reported the transactions. They locked down my account and cancelled the card. I was able to cancel one of the transactions with XXXX, but the other one had already been closed out and the items picked up. 

I didn't hear anything back from Citi and a couple of months went by. I noticed the money had been charged back onto my card. Upon examining my online account more closely I noted some messages Citi had sent me that I missed asking for more information and showing what XXXX 's had sent back to them. They had closed my case due to lack of response. I had expected something to be mailed to me or a phone call, but that had not happened. I did get a letter later after the case was closed which apparently was delayed because of holiday traffic. Also, I work a lot of hours. I work XXXX hours a week at my day job and I run a XXXX XXXX XXXX outside of that. I had XXXX events in XXXX alone. 

I called them up after seeing it was closed. They said they would investigate further. The case didn't move after calling a couple of more times and it remained closed. I have emailed them several times. I emailed them a police report on XX/XX/XXXX. They still didn't take any action on the closed case. I called in again XX/XX/XXXX at XXXX XXXX. I was told they needed to cancel my new account number and log another case with fraud. I have not received any additional communication although at least now there is an open case. It has been sitting under investigation ever since meanwhile Citi is charging me 29.99 % interest for a fraudulent purchase I never made in the amount of {$770.00}. 

The person that committed this fraud according to XXXX 's lives at the store location where they committed the fraud. Furthermore, XXXX 's says they checked his ID and it was a valid government ID. You can clearly see this in the attached documents. This is what XXXX 's sent back to Citibank. Either they are incompetent or there is a fraud ring operating in the store and the staff is in on it. Clear cut case of fraud and I have submitted a police report stating as much. I don't understand what else there is here to investigate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX has violated my consumers credit reporting rights under the F.T.C and CFPB
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I submitted complaints to TransUnion, XXXX, and XXXX notifying them that there are inaccurate reportings on my credit profiles. I have asked them to provide validation of these items they claim to be accurate but have failed to do so the following inaccurate items are listed on my credit reports and they go against my rights as a consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Loan recently transferred to Navient. I am currently experiencing financial and family hardship and attempting to place loans on deference. Told I did not qualify by Navient agent when I called. I filed a complaint with the XXXX and they have not responded. Website difficult to navigate and just leads me around and around in a circle telling me to sign in to my account again and again every time a click a link attempting to navigate to the loan deferment site. I asked Navient through the XXXX to provide paperwork since it is not possible to apply for a deferment online and I have not received that either. I have now been waiting since XX/XX/2017. However, I did receive an email from XXXX from their office of consumer advocate asking me to keep making payments while they check into my complaint which is completely unhelpful due to my current financial in, hardship.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY XXXX ACCOUNT # : XXXX Dear MIDLAND CREDIT MANAGEMENT, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Payday loan, title loan, or personal loan

In XXXX of 2021, I obtained a loan in the amount of {$3500.00} from XXXX XXXX thru my dentists in XXXX XXXX for dental work. They financed the loan thru Comenity Bank. At the time I signed the agreement, I was under anesthesia. Still, it was my understanding that it was a no interest loan and there would be no interest as long as I made my monthly payments which I have done. It was my understanding I had two years to pay off the loan with no interest and the finance company would send me payments due in an amount that would allow me to pay off the loan without interest. Earlier this year, I noticed my payments no longer decreased and were instead increasing. I checked my statement and I had an approximate lump sum of {$1800.00} in interest and was no being charged over {$100.00} per month for interest. I contacted XXXX via email and they told me I had to complain in writing. I wrote them a letter and they told me my letter was beyond the date to refute the charges and they would not reverse the interest charges. I explained that they should have charged me an amount that would allow me to pay the balance within the promotional time frame. They agreed but refuse to reverse the interest charges. I believe this to be unfair and deceptive business practices. They should have given me the correct amount so that I could have paid off the loan without interest. Instead, they gave me a lesser amount so that they could charge me a lump sum deferred amount which I never agreed to pay.
Product: Credit reporting or other personal consumer reports

I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX XXXX  XXXX - Account # : XXXXXXXX XXXX XXXX XXXX - Account # XXXX  XXXX XXXX  : XXXX  All of these account are reporting a lot of inaccuracies The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times 30/60/90 Days Late is reporting inaccurate/ misleading XXXXMonth 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.
Product: Debt collection

I have received a debt collection on my credit report, after doing some research i found out it was for rental lease in a property i haver never leave on. I have been on XXXX XXXX with the department of the XXXX stationed in a different city. There no possible way of me living there.
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 the consumer fair product act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

As a XXXX customer, I was out on vacation and I was charged, {$130.00} for local calls in XXXX timeframe, I disputed and they kept saying I made international calls. I have sent letters to FTC and XXXX complaining the same. They have not only reported me to credit beareau, my complaints to the credit beareau, FTC and XXXX has gone unnoticed. To make matters worse they have refreshed the report again on my credit history, this has caused me XXXX to no end. I have disagreed to pay and fight this illegal charges on my principles of fight the corporations for there egregious mistake. Please help me resolve this charge on my credit report.
Product: Mortgage

To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 


My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. 

Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. 

Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against XXXX  The deceptive practices related to their XXXX high-yield interest XXXX account. Capitol one misrepresentative the XXXX XXXX accounts as having XXXX of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX performance XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices in failure to fulfill there advertised promises.