23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a CAPITAL ONE customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Debt collection

I have an invalid " debt '' of appx. {$590.00} that was charged off by XXXX XXXX in XXXX. In appx. XXXX I was contacted by a creditor about this claim and provided multiple pages of documentation showing it was not valid. Nonetheless, this information has transferred to a new collection agency, Lake City Credit, who absolutely refuses to stop calling me about this claim although I've stated multiple times to them that their claim is over a decade old, it is not a valid debt, and requested they stop calling me. I've never received anything in writing from them. I've made multiple requests to them to stop calling, and I still receive calls once or twice every week. I was finally able to get the address for the debt collector from their employee, which they provided as Lake City Credit, XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a wire transfer from XXXX to my Chase checking account in the U.S. 

The amount of the transfer was XXXXXXXX XXXX and the amount I received was XXXX XXXX 

This works out to an exchange rate of XXXX XXXX XXXX XXXX The exchange rate on that day ( per the XXXX XXXX XXXX ) was XXXXXXXX XXXX XXXX XXXX. So, the net amount in XXXX should have been XXXX 

I called Chase to complain. They said they only receive the funds they dont set the exchange rate. They also said I should contact the originating bank in XXXX. I dont know who that is but I sent an email requesting that information to the law firm in XXXX that sent me the funds. 

Regardless, I still feel Chase is culpable because before I initiated the transfer request I asked chase for information on how to do the transfer and any associated fees ( see document 1 ).

Their response steers you away from using a check and towards using the XXXX XXXX XXXX system. They said they would charge a XXXX} fee but it might be waived depending on the type of account I had ( and they did waive that XXXX fee ). Theres also a footnote that says other financial institutions may charge fees. In this case the originating firm in XXXX charged XXXX  ( see documents XXXX, XXXX, XXXX & XXXX ). 

What Chase doesnt doesnt tell you is that the XXXXXXXX XXXX is a separate entity from Chase and they typically charge a XXXX  % fee for these type of transfers ( see document 3 ). I only learned this after researching the matter when I got less money than expected. Also, there are other transfer options available that are either free or substantially less expensive than XXXX. 

I dont know if Chase XXXX directly, or indirectly, from this hidden charge but I am absolutely certain they knew about it. This makes them an accomplice in what I consider to be a scam. 

If I had known about the XXXX % skim I would have never done the transfer using XXXX
Product: Credit reporting

I have disputed with Experian about XXXX Bankruptcy being reported on file, they said the bankruptcy s was verified and validated which was no true. i went to XXXX Bankruptcy Court to investigate and spoke with Court Clerk. they informed me in person and also with letter that I previously sent to credit Bureau that they do not verify or validated any information. could be someone with same name or computer error.
Product: Debt collection

National Enterprise Systems XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX contacted my wifes employer ( School ) to speak to her about a personal matter was extremely rude to the secretary. 

XX/XX/XXXX contacted my wife during business hours on her cell phone to talk to me. She was extremely rude to me even after I told her that I spoke to a representative the week prior.
Product: Credit reporting or other personal consumer reports

XXXX : XX/XX/year>, {$1000.00} XXXX : XX/XX/year> {$180.00} This company is on my experian report and they will not remove the accounts are not mine I disputed with the other bureaus and they removed but Experian will not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not update the exact accounts as that XXXX  has. It's fraudulent activity that Transunion is not updating all the accounts on my credit profile which are current and never late. XXXX  update score by approximately 50 petcenr.with the same accounts that on Transunion. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.
Product: Checking or savings account

This involves prior complaint # XXXX. Wells Fargo carried out unauthorized transaction on my son 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report I have an item being listed as : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

XXXX XXXX XXXX XXXX ( XXXX ) provided a letter saying they have removed that item and I have included this letter in a dispute to Equifax on three separate occasions. On each dispute Equifax wrongfully determines the item does belong to me. 

Equifax claims they are waiting on XXXX to remove the item ; XXXX claims they have removed it and it us up to Equifax to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.
Product: Mortgage

XXXX XXXX XXXX XXXX has put me in a home that I could never afford but yet they took all my down payments etc and told me I could. My previous house payment was {$380.00} they put me in a home with a {$690.00} house payment which I do not make enough. I haven't even paid bills yet of which I do not have the money. They said I could afford it and I believed them I put in a complaint to you going 2 months ago and you have not given me an answer. I'm sure they are refusing you info like the do me.
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 Financial Protection 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection 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 XXXX. XXXX for these violations.
Product: Debt collection

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g ( b ). I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. DIscover Financial services has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court. Furthermore Discover Financial Service is in violation Pursuant to 15 USC 1692c. I never gave them permission to contact me by phone. I clearly sent them a cease and desist notifying in writing that I the consumer exerciser my right to cease further communication through any medium other written mail.
Product: Debt collection

Account numbers XXXX NOT MINE REMOVE THIS DEBT ASAP! 
This is the 6th time that I've reported this and it's still defaming my credit report and my character!
Product: Credit reporting or other personal consumer reports

I received your response Last XX/XX/XXXXXXXX  that you declined to block the information I have provided. My name is XXXX XXXX XXXX and there's no other third party involve here. Please take off these UNVERIFIABLE INQUIRIES as they are fraudulent. XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus.

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.
Product: Prepaid card

My identity was stolen and someone has opened pre-paid debit cards under my name from a number of institutions. On XX/XX/XXXX XXXX XXXX XXXX XXXX  I received a card from Netspend ( bank name XXXX XXXX ) under my name which I did not request. On XX/XX/year> I contacted Netspend by phone and they initially refused to close the account because I could not provide verification information about the account creation ( which is impossible because I did not create the account ). When I pressed, they transferred me to someone else who said they would close the account " shortly '' but refused to provide any confirmation number or documentation that the account has actually been closed. They have been completely uncooperative.
Product: Debt collection

I am filing a complainant on Midland Funding, LLC. I have sent letters to Midland Funding, LLC on XX/XX/XXXX and to the local attorney office XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting debt verification on more than one occasion. They are claiming I owe {$2200.00}. Upon until  this point, they have failed to provide the correct information or documentation with my signature on it. I 'm requesting since this company have failed to provide me with the information requested, that this account be deleted and removed from my credit report.
Product: Student loan

Edfinancials has incorrect data on the student loans I owe and the historical payments I have made towards my loan. When I called Edfinancials, they originally tried to argue with me on the balance I owed until I pulled up my bank statements for the past XXXX  years reflecting the payments I have previously made. They also lied to me regarding their systems claiming they have two separate systems and when probed on information regarding those systems, they " apologized '' for the inaccurate information. 

I have XXXX access to my account history and Edfinancials has misrepresented my account balance. They refuse to disclose the payments I have previously made even though I have proof of all the payments I have made to date.

I called the company and they said it takes 41 days to provide the information on the historical payments ( I have XXXX access to this on their platform and they refuse to update this information ). I will not be making any payments to Edfinancials until they update their system and show an accurate balance of my remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. 
This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting or other personal consumer reports

I had applied XXXX XXXX for XXXX and XXXX last year in late XXXX and early septmeber of XXXX both company used Checkr background check company. my lyft report came in clean or in thier verbage COMPLETED but my uber report which is the same exact report but it said CONSIDER and i was denied to do rideshare with XXXX. i have recently contacted Checkr and as for explanation but they have no phone number to contact customer service only way you can reach them is via AI Chat Bot and thier AI Chat both is programed to use stall tactics and keep telling me to file for dispute online only! i need to know the exact difference between those reports since they are the ones who is providing the report. XXXX report has an incident happend like 7 years ago while lyft does not show it and im able to XXXX  with them.. i feel like Checkr is not providing accurate information or uber is asking for more information beyond california law allows them too! i want this correct and deleted and send a correct information to XXXX  so i can earn a living
Product: Credit card

I stayed at a hotel in XXXX XXXX XXXX at XXXX  XXXX XXXX XX/XX/XXXX and check out on XXXX was giving a 20 % discount on room and was told it would be refunded at checkout along with the XXXX dollar incidental fee I have proof that it was released from merchant sent chime the confirmation that it was released they gave me 4 different time frames it would be back on my card I stay at hotels every weekend and never had this issue I have contacted chime multiple times to just get the run around I requested employee ID number wa told they can not give that out was also told by one employee that there was never a charge at the XXXX XXXX XXXX I sent proof that there was a charge I also emailed proof that the money was released XX/XX/XXXX and they say they don't know what happened and there's nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to experian, XXXX and XXXX regarding a account by the name of XXXX  XXXX  Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.
Product: Mortgage

Freedom Mortgage has not exited us out of Covid Forbearance plan for 8 months now. We have sent hundreds and hundreds of documents that they requested but still no modification or even correspondence to advice us on exit. Now trying to Actively foreclose on our loan.

*2 online applications deleted early on in process along with all documents. XXXX, XXXX and XX/XX/2021 * Multiple over night packages with all documents sent. 
* Multiple Emails sent to Loss mitigation department, with No response from any Loss Mit. Supervisor on the situation. 
* Phone calls to Freedom mortgage every couple of days to check status with no resolution or misinformation given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX  XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX  XXXX OPENED : XX/XX/19 XXXX. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX   XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted the company there were very rude to first XXXX XXXX company. I was willing to pay the full amount of {$270.00}. They have closed my account on 2021. There saying if they were to take a payment of {$76.00} they will not open the account. I ask them if I can pay {$270.00} they said no I'm sorry there is a process that I can make but it takes longer the check might be lost by mail. I mentioned to them I am the client and want to pay I don't want my credit to be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit card or prepaid card

I get a daily call from " XXXX '' letting me know that I am eligible for a zero % interest rate and I must accept the call in order to prevent my card from being cancelled. The number calling is XXXX
Product: Debt collection

Hi I have debts on my credit report that are not mines and Im not able to get me and my kids a place to live lost my housing and everytime I file my irs taxes I have to wait on a special PIN number I contacted them they told me to reach out to you guys