23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for an {$7500.00} loan with a company called XXXX. It was approved and I accepted it. Eventually this company filed bankruptcy in XXXX and I was unable to find information on the loan anywhere. It was then sold to a company called Younomics and was acquired in XXXX. By the time I found the loan again it was {$23000.00}. The APR was also 11 %. Then in XXXX the APR 11.25 %. Then the APR was moved to 11.75 % in the same year. Then the APR was moved to 12.5 % in XXXX. Now the APR is 11.75 %. 
The actions I have taken are that I have contacted and called them to find out information about why a {$7500.00} loan that was missing for several years is now {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$93.00}, XXXX Date XXXX Opened : XX/XX/XXXX Balance Owed : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX ) ( XXXX ) Unrightfully closed an account while i was on XXXX violating the XXXX and CMVC XXXX they have violated my rights as a consumer and service member and are impossible to get ahold of and sold to many collection agencies. XXXX5 U.S.C 1681 section 602 A states i have the privacy. 15 U.S.C 1681 A section 602 A 2 : It states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB closed my case # XXXX, but Equifax has not responded. 
Equifax only stated it has started an investigation and the CFPB closed the complaint. 
Equifax has not investigated nor has it responded to any specifics. 
Why has the CFPB concluded that the case is closed? 
Equifax is required to respond to my complaint with a re-investigation and report its findings to me, which it has not done. so, why has the CFPB closed the case with nothing from Equifax?
Product: Mortgage

I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.
Product: Debt collection

i dont have dates because its been going on for years. portfolio recovery specialists and other companies i dont even know of constantly harass me and make threats to me saying i could suffer legal consequences if i dont pay or make arrangements and that my credit will be affected. they leave voicemails and send letters
Product: Debt collection

Upon reviewing my current credit report, I found numerous accounts that I believe were added without my authorization and are incorrect. Please block and delete these fraudulent accounts from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was daleqant from XXXX XXXX XXXX back in XXXX. The new creditor DRS @ Address XXXX, NY XXXX Phone number ( XXXX ) XXXX reported the debit on my experian report as new as of XX/XX/XXXX. The company waited until after my bankruptcy case was resolved to report. This information is false/old and I would like for it to be removed or corrected on my credit report. I have reached out to both XXXX XXXX and XXXX with no response. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

13.5K 15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX XXXX : XX/XX/year> To whom it may concern : Ive sent this dispute certified mail.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 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 assure 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. 
Inaccurate Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX There are XXXX invalid and inaccurate addresses listed as my place of residence. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX I do not wish to have a phone number listed on my credit report. I have enclosed the required copy of my drivers license with my address verifying that this my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am a XXXX service member, I used a military clause to return my leased vehicle to XXXX XXXX. There is no contact information ( email or phone ) I can reach them at for credit disputes, and all prior contact I had reached out to return the vehicle has not been responded to. I have taken screenshots of the return, as well as the vehicle being paid off and returned in full. My credit has taken a drastic hit due to them not flagging my account as paid sooner, resulting in almost 3 months of " late payments '', despite no payments needing to be paid.
Product: Mortgage

My mother XXXX XXXX XXXX has a VA Loan the servicing was recently purchased by LoanCare. She has been making her payment to another company with a tax exemption. She is an XXXX XXXX XXXX XXXX widow. XXXX took over her loan that had a payment of XXXX monthly in XXXX. They recently sent her an escrow statement stating she has an escrow shortage of {$1100.00} and that they are raising her mortgage payment on XX/XX/2018 to {$1600.00}. She has sent the Exemption letter to their office and phoned them on several occasions with no solution. They keep telling her to send it to their Florida office that they do not handle it. I personally sent the Tax exemption letter to all 3 addresses listed on back of her payment letter. The only response she has received is this letter stating they are now raising her payment not reducing it. I have been advised to send a letter to them directly and carbon copy the CFPB on the letter to see if we can get a solution. My mother is old and lost her husband a few years back and does not need this stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without (  a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!
Product: Debt collection

The original balance on this account was {$8000.00} and this collection company has been charging me weekly interest and the current balance is now XXXX. The collection company is not allowed to charge interest unless specifically authorized in the original contract. I have reviewed my original lease and it does not state that a third party collection can charge interest on this account. This is in violation of the FCRA and every-time the balance goes up on this account due to interest my credit is negatively impacted. I have tried to dispute this with the collection agency and have had no success. This account needs to be removed from my credit report immediately.
Product: Debt collection

I written Americollect and requested all items pertaining to the collections account. and proof of how this debt is owed to me. 

This is not adequate proof of the debts belonging to me. Americollect has failed to validate or verify that these debts belong to me according to the fair credit reporting act, Americollect SHALL provide documents proving debt owed and they have failed to do so. I am requesting immediate removal from my credit report.
Product: Checking or savings account

My employer submitted my direct deposit to Capital One timely and for the correct amount, scheduled to be disbursed to me by XX/XX/year>. Due to a system issue with Capital One, my funds have still yet to be made available. The company does not provide any meaningful responses to requests for information and is clearly utilizing PR approved language instead of addressing consumer concerns.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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 or other personal consumer reports

( 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 for these violations.

+ I want the CFPB to publish this 240 description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
XXXX XXXX earn how it works. I consent to XXXX XXXX  his description after th CFPB has taken these steps. 
XXXX XXXX how to get cash app XXXX settlement 2024 XXXX XXXX  Add comment...
Product: Debt collection

XXXX XXXX has garnished my wages for almost {$4500.00}. This debt was from over 3 years ago. In NY they have 3 years to collect the debt. There was nonpayment in over 3 years. They should not be garnishing my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 a hard inquiry from " Factual Data '' appears on all 3 of my credit reports, " factual data '' claims they did not initiate the inquiry, XXXX XXXX did, and the credit bureau can use either name. 
I never gave " factual data '' permission to put a hard inquiry on my credit report and I certainly didn't give XXXX XXXX  permission to allow factual data to pull my credit and leave a hard inquiry.
Product: Debt collection

I have contact RMP over 5 times about this account thats on my credit report. I have told them over and over its not mines they refuse to listen. So to hush me up they report they account as paid when I never paid it. This account is destroying my credit health I can not get anything when they see I have a collection account on my report. I have a common name I asked them for verification a copy of my hippa and also prove they are authorized to even collect money from people in my state and also documents showing prove they own this debt they refused. This account need to be removed its not mines they dont have prove its mines. This is illegal putting anything on people credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You are in direct violation of the Fair Credit Bureau Act. Account Name Chase ( JMCB ) Account Number Last Four XXXX 15 U.S.C 1681 section 602 A. Clearly state that I have the right to privacy.

15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B a creditor may not a payment on a credit card plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Bureau Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' Hard Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX
Product: Mortgage

I was trying to refinance my home via XXXX XXXX  and XXXX XXXX. Starting near the end of XX/XX/2021. I gave them permission to pull my credit. XXXX weeks and lots of lies later when the deal fell through, they pulled it again on XX/XX/XXXX. without my permission in a desperate attempt to come up with a deal with another company. This happened after I had severed ties with XXXX XXXX and XXXX XXXX  on or about XX/XX/2021 

When I was notified that another hard credit pull had been done from a company I didn't recognize, I contacted XXXX, XXXX and XXXX. I discovered that the pull had been initiated by XXXX XXXX. 

I tried with all three credit reporting agencies to get it removed and was informed that an 'in error ' letter had to be provided to XXXX by XXXX XXXXXXXX XXXX. Apparently XXXX XXXX acted as an agent for XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX 

They have not provided me or XXXX or any of the credit reporting agencies with the requested letter. 

I now have a 'to many inquiries ' designation on my report and a credit denial from XXXX for a loan I had cancelled a week prior. 

XXXX XXXX repeatedly told me 'he was learning ' during the XXXX weeks we tried to do business with him. 

Apparently he hadn't learned that you have to get permission for each credit pull. I did not give him permission to do another hard pull on my credit. 

XXXX XXXX insists that hard credit pulls won't affect you XXXX XXXX because they're related to mortgages. XXXX XXXX insists that a 'denial ' won't affect your credit. Both do. 

They will stay on my report for at least 2 years. 

Happily, I have secured a mortgage through a credit union and the process went very smoothly. 

Run away from these guys unless you want to become an ugly learning experience for them especially XXXX because he really is incompetent to be doing this kind of work. XXXX XXXX is basically the gangster, bargain basement, used car salesman of the lending industry..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting has label my account with XXXX XXXX as Potential Negative less than 2 payments back on XX/XX/2022. My account is due on the XXXX every month and if my bill is due on the XXXX and not paid by the XXXX than its only 4 days late. There seems to a problem reporting negative on credit reports way before 30 days. This account has never been past 30 days late and now my credit score has dropped for being a few days late not 30 days. I just feel credit accounts should be reported after being 30 days late not 3 or 5 days late. I really cant afford for something so mistaken, like this to happen. I am trying so hard to build back my credit score to move again someday. Thank you for your understanding, and your help with this situation.
Product: Payday loan, title loan, or personal loan

This was a loan scam where the person was impersonating an representative from Speedy Cash. A loan company that I have never submitted an application too. I mistakenly gave out my account info and login info to my account. I received an online bank deposit and was told to go to XXXX or XXXX to get gift cards. If i did not get the gifts cards I was told that I would lose my job and that a police report would be filed against me. 

XX/XX/XXXX gave out my account info XXXX received an electronic check deposit that was not authorized for XXXX. 

XX/XX/XXXX was told to put all of that money on XXXX gift cards or I was going to jail, going to lose my job or have a police report filed against me. 

XX/XX/XXXX immediately changed account password XX/XX/XXXX spoke to XXXX XXXX XXXX to submit a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Experian Creditor online : Shows that I have an Auto Loan from XXXX from : XXXX XXXX XXXX  or : XXXX XXXX XXXX : or XXXX XXXX XXXX : or XXXX XXXX  All were contacted ; there are no records of me having an existing Auto Loan. 
Checked on XX/XX/XXXX XXXX XXXX This is incorrect information and makes credit reporting an issue with my Credit Scores.
Product: Credit card

I am objecting in general to the forced arbitration clause in all my credit card contracts. I would like CFPB to prohibit such clauses in all financial contracts. I support XXXX XXXX in its opposition to this practice.
Product: Credit card or prepaid card

On XX/XX/2022 a Visa Debit gift card was purchased for me by XXXX XXXX at XXXX XXXX store on XXXX  in XXXX, CA. I received the card and activation receipt showing that it had been approved to be activated. I called the number on the card to activate it and was told it had a {$40.00} balance. I tried use it over the course of the next few days multiple times but was told there was an error. I called the number on the card XXXX and was left on hold for over 15 minutes and was then told I needed to set up an online account with a password which I did. It still didn't work. 
I went to XXXX grocery store where the card was purchased and XXXX called the main office and was told there was nothing XXXX would do and that I had to contact XXXX. I again called the number and was told that a new card would be sent to me and the balance of {$40.00} would be transferred to the new card. I received the new card and when I went to activate it there was a XXXX balance. I again called the number and asked for the {$40.00} to be transferred and was told the card original card had been used at a place I've never heard of. I asked to speak with a supervisor and was put on hold multiple times waiting for a supervisor named XXXX for a total of XXXX minutes and then was disconnected. I now have two Visa Debit gift cards that are totally useless and my friend who bought the first one for me as a birthday gift is out {$40.00}.
Product: Debt collection

A debt collection agency contacted me regarding a back internet bill from a previous tenant that was not me. The equipment was left in the unit. So I took it to ups and dropped it off for them after they contacted me. I didnt need to do this. But I went out of my way to do so. This collection agency has continued to contact me saying I owe money but I dont, they also say they have no record of the equipment being returned. 

The ironic thing is. I have a current internet service with the same company that apparently claimed the debt. So none of this makes sense. Its not my debt. Ive told them XXXX times its not, and they still continue to call me daily. They also just put a negative remark on my credit report. For {$59.00}. This is insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb Complaint # : XXXX TransUnion did not make requested changes and claim that they did not receive the request by Certified Mail.

This is in violation of FCRA, Sections 611 ( a ) 6 & 7.