23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After submitting complaints through the CFPB, I have received several letters from Equifax indicating they are unable to verify my identity therefore they are unable to look into my complaints. 

Each time I have submitted a complaint through the CFPB I have included documents to verify my identity which includes my current drivers license, and social security card. In addition, I even added my voter registration which also has my current address. 

If I am submitting these documents through the CFPB when I am making the complaint, am i wrong to assume those documents would also be sent to the agency I am requesting to look into the complaint? If so, why is Equifax still requesting this information? 

According to CFPB 's website : " Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for review. '' I believe it to be a stall tactic that is used by the agency, and a reason for them not to look into my complaint/dispute. AGAIN, I AM ATTACHING PROOF OF IDENTITY/ADDRESS IN THIS COMPLAINT IN ADDITION TO THE LETTER I CONTINUE TO RECEIVE FROM EQUIFAX. PLEASE SEND TO THE AGENCY WHEN SENDING COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to transunion on XXXX XXXX and have not received any information. The file is currently still under dispute.
Product: Debt collection

A foreign speaking man called my cellphone saying that he was a debt collector for United Collection Bureau and he was attempting to collect a medical dept. He provided an amount of {$180.00} and asked for my credit card information. I asked him to provide me with a callback number so that I can call back after I verify who he was because I do not give out my debit card number over the phone. He wanted to know why did I need to call him back because he was already on the phone. When I told him that I wanted to verify who he was, he asked how was I going to verify who he was and when was I going to call him back. I tried to explain to him that I've never received any written communication from his company concerning this debt or to even show proof that I had to pay his company. He hung up on me. His said that his name was XXXX. 


When I called the number back that was on the caller ID and explained to the other foreign speaking man, my voice was echoing in the background. I explained to him what had transpired between XXXX and I and that I would like for them to mail me some correspondence concerning the debt that they were trying to collect. He asked me for my mailing address. When I told him that he should already have my mailing address because he says that they are trying to collect a debt. He got flustered when I wouldn't provide him a mailing address showing proof that they are a collection agency and I owe them a debt. He also got flustered and hung up.
Product: Vehicle loan or lease

In XX/XX/XXXX total I purchased 3 vehicles from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX phone # ( XXXX ) XXXX ; of the 3 vehicles 2 of them was financed. In XX/XX/XXXX i noticed that the dealership and all the others had gone out of business. I had been making payments on time each month and after XX/XX/XXXX i  noticed i stopped receiving emails of my payment conformation so I called and spoke with a worker who told me that XXXX XXXX now owns the loan! I was shocked because I had not received any notification from XXXX XXXX that they was going out of business nor any intent to sell or transfer my loan to XXXX XXXX. in addition my vehicle had many issues with the radiator rendering it inoperable for the 1st month and a half and i recently had more radiator issues as well.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Consumer Loan

Toyota motor credit is reporting XXXX $ owed on a charge off account. This account was included in my bankrutcy. I surrendered the vehicle to Toyota Motor credit. I have asked for specifi documentation as to how they came to the amount being reported of XXXX $ -If the car was sold I would like a break down of what the car sold for and how Toyota XXXX to this large amount being incorrectly reported on all XXXX of my credit reports. I do want validation of debt. I do want validation of amount being reported and a break down of how they came to this amount as well as written documentation of what they received for the car once it sold.
Product: Student loan

XXXX XXXX is charging me each month, although I am still in school.
Product: Student loan

Complaint Regarding XXXX  School Misconduct Discharge Application To Whom It May Concern, I am submitting this complaint regarding XXXX  handling of my request for a School Misconduct Discharge Application. I attended XXXXXXXX XXXX XXXX where I was misled through deceptive practices that caused me significant financial harm. 

I contacted XXXX  on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to request the discharge application, but : They refused to provide the application They have not responded to my request within 30 days They denied my application without proper consideration. 
The school I attended has been subject to investigations and lawsuits for misleading students. I have supporting documentation that shows the school : XXXX  lack of assistance in resolving this issue is unacceptable. I am seeking the CFPBs intervention to ensure that my application is processed fairly and that my concerns are addressed in compliance with regulations. 

Here is my information for your records : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX  Account Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Primary Phone : XXXX Email : XXXX Also I have several concerns : 1. Lack of Transparency : I was not adequately informed about the transfer of my loans. As a borrower, I have a right to know about significant changes in loan servicing.

2. Selling of Information : I am concerned that my personal and financial information was shared without my permission.

3. Difficulty in Communication : Transferring loans without clear communication adds unnecessary stress to an already challenging situation. 
I request the following : * An explanation for why my loans were transferred. 
* Details about how my personal information was shared with XXXX. 
* Assurance that my rights as a borrower have not been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the 3 Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2023, I sent a notarized affidavit to Republic Finance , LLC citing several consumer law violations that I found regarding their business practices and personal loan services. These violations include false representation of the character and amount of debt ( 15 U.S. Code 1692 ( E ) ( 2 ) ( A ) ) ) and billing errors ( 15 U.S. Code 1666a ) ). I am aware that according to 15 U.S. Code 1692 that where applicable, and falsely billed amounts and debts shall be applied in accordance with my directions. Based on consumer law, I am legally entitled to request remedy for any amounts that I believe were erroneously billed. Republic Finance , LLC responded to my affidavit of consumer violations with a non-notarized letter created on XX/XX/2023 that does not prove validation of debt and neither rebuts or refutes my affidavit with an affidavit in return. I am aware that until Republic Finance , LLC rebuts my affidavit with a corresponding affidavit, that my belief that my consumer laws were violated stand undisputed and that without official rebuttal via notarized affidavit, they have in fact defaulted.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2019 i logged into my account to make payment when i found out my account is being closed and i called to find out why, i was told my account is being closed due to my credit but i have a great credit and my credit report is currently frozen. so i don't believe any information i was given over the phone.. i need my account reopened asap. i have never missed a payment and i am being bullied by PayPal.com/scynchrony and my consumer rights are being violated.
Product: Checking or savings account

I had opened an account with Sofi Bank in XXXX. Suddenly and without provocation, my account was frozen in the latter part of XXXX with a little over {$6000.00} in my account. After contacting them by both email and phone for nearly 2 years, they finally sent me a generated email that was very general and stated they are investigating my account for suspicious activity thst might have violated their customer policy that I signed. I received no other information for nearly 1 year after that notice, which stated they will be permanently closing my account and seizing all the funds in my account. When I emailed and called them continously the past month fir answers, they XXXX they had no legal responsibility to give me a reason, nor did they provide me with any sort of judicial review or court order allowing them to permanently steal my money.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
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 process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFT ) and regulation E. These actions Have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Consumer Loan

I purchased a car from a Chrysler dodge auto company with average credit. I received financing from Chrysler Capital for my car loan. I was told that my first year would have high interest rates but that after a year I could call and refinance after making on time payments and rebuilding my credit. It 's been over a year and I went online to refinance and Chrysler does not offer refinancing. When I checked my payments, which are over XXXX a month ( something I was uncomfortable paying and only thought a year at that rate would be fine ), most of my payments is spent to pay just my interest and not my actual car loan. There is no way that the amount of interest I am paying for my car loan is 1. Legal and 2. Fair. I feel like both the company I purchased the car from and Chrylser Capital are not being upfront about their charges, and also misleading with offering refinance when Chrysler Capital and its lead company XXXX do not offer refinancing. I was told that after a year I could get my payments lowered. I have made all of my payments on time but have also purchased a home for myself and my children and can not keep paying just interest fees for the next 6 years until my car is paid off. Sometimes less than XXXX is going to the actual loan and I 'm paying over XXXX a month. How is this fair or right and what can I do to get my payments lowered since I held up my end of the deal by making all payments on time and wanting to refinance my loan.
Product: Credit card

On or about XX/XX/year> my Chase Amazon card was hacked. I called Chase immediately to report the fraudulant activity. On XX/XX/XXXX I received a letter from Chase saying part if my claim was approved but denied {$980.00} stating that I had received a benefit in that amount. I never received a benefit or merchandise as I had not charged anything to my card. I have called Chase on numerous occasions and been given the run around every time. I have done everything possible to resolve the matter but Chase simply doesn't care. To make matters worse there is no Chase Bank in my area so I am unable to speak with a local representative. Please help. I do not have {$980.00} to simply give away. Thank you/
Product: Credit card or prepaid card

I recieved my SSI benefits on XX/XX/2019. On XX/XX/2019 I went to an atm to withdraw money an my transaction was declined. At this point I called my card an it said I had a balance of {$20.00}. That is when I cancelled my card an reported my money was missing because I had not used my card at all since my check was deposited on Saturday XX/XX/2019. I was told by a lady I spoke with that I would receive a new card within 2 business days an all my money would be refunded to my card. When l recieved my new card on Thursday XX/XX/2019 I activated it zn it had a balance of negative {$15.00}. I am XXXX years old an alone I need my check that someone has stole from me.
Product: Debt collection

On XX/XX/XXXX, an agreement was signed between me ( represented by XXXX XXXX ) and XXXX XXXX XXXX ( represented by XXXX XXXX XXXX XXXX 

Because there had been some issues with the payments received, and after my claim was proven by submitting money orders to XXXX XXXX to be forwarded to opposing counsel, Rausch Sturm corrected the amount owed. 

On XX/XX/XXXX a payment arrangement was agreed upon for {$800.00} to be paid in XXXX payments in the amount of {$30.00} starting XX/XX/XXXX ( proof attached ). 

Because this account ( File XXXX ) only required a payment of $ 30 monthly, from XXXX to XX/XX/XXXX the amount of {$30.00} was rendered for both months, via money order and delivered via XXXX XXXX Mail ( proof attached ). 

However, from XX/XX/XXXX to XX/XX/XXXX advance payments were sent to XXXX XXXX XXXX for each month ( proof attached ). 

In understanding that I had made all payments, I reached out to XXXX XXXX of XXXX XXXX requesting the Release of Judgement. On XX/XX/XXXX, I was informed that opposing counsel stated that I owed them {$140.00} and payments were missing. 

ALL MONEY ORDERS AND XXXX XXXX NUMBERS ARE ATTACHED. 
TRACKING NUMBERS THAT WERE OVER 120 DAYS HAD TO BE RETRIEVED FROM ARCHIVES. 

XX/XX/XXXX - {$30.00} DELIVERED XX/XX/XXXX @ XXXX ( ARCHIVE TRACKING ATTACHED ) XX/XX/XXXX - {$30.00} DELIVERED XX/XX/XXXX @ XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( ARCHIVE TRACKING ATTACHED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX WERE SENT IN SAME ENVELOPE * * * * * * * * XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( ARCHIVE TRACKING ATTACHED ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( ARCHIVE TRACKING ATTACHED ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( ARCHIVE TRACKING ATTACHED ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( XXXX RECEIPT XXXX ORDER ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( XXXX RECEIPT XXXX ORDER ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX XXXX XXXXXXXX ( XXXX RECEIPT XXXX ORDER ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( XXXX RECEIPT XXXX ORDER ) XX/XX/XXXX - {$90.00} DELIVERED XX/XX/XXXX @ XXXX ( XXXX RECEIPT XXXX ORDER ) * * * THE TOTAL AMOUNT RENDERED TO XXXX XXXX XXXX FROM XX/XX/XXXX TO XX/XX/XXXX IS {$840.00}, WHICH IS {$32.00} OVER THE XXXX XXXX. 

* * * NO PAYMENT WAS EVER LATE BECAUSE EACH MONTH INCLUDED ADDITIONAL XXXX PAYMENTS. 

XXXX XXXX XXXX  provided a copy of their ledger card for file XXXX to XXXX XXXX on XX/XX/XXXX. The ledger is confusing and does not reflect accuracy. Their ledger shows the current amount due of {$1000.00}, which is incorrect. 

XXXX XXXX of XXXX XXXX XXXX also stated that XXXX XXXX also stated they they has only received {$660.00} since the month of XX/XX/XXXX. ( email attached ) How did the balance increase when there were no late payments, and all payments were delivered to their office. 

XXXX XXXX XXXX  is not releasing my Judgement due to clerical errors and are not recording the correct amount due is currently, XXXX.
Product: Checking or savings account

We have been Opted Out of overdraft protection with PNC Bank for a very long time. Even though we are opted out, we have been charged many fees. We have called PNC about this issue, but are told their policy is to only offer 1 " courtesy '' refund every year. We repeated to the representative and manager that we should have never been charged these fees because we are OPTED OUT, but they were firm that they are following PNC 's policies and they can not refund us for the charges we incurred. They also said that we can not " opt out '' of overdraft for recurring charges, even though we do not want ANY overdraft protection. We want the transactions to be declined or the checks to bounce. In XX/XX/XXXX &  XX/XX/XXXX alone, we were charged the following : XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00}
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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

EQUIFAX HAS VIOLATING MY RIGHTS CONCERNING 15USC 1681i ( a ) ( 1 ) ( A ). UNDER 15 USC 1681i ( A ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( F ) AND EXCEPT AS PROVIDED IN SUBSECTION ( G ), IF THE COMPLETNESS OR ACCURACY OF ANY ITEM OF INFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BYTHE CONSUMER AND THE NOTIFIES THE AGENCY DIRECTLY OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE DISPUTED INFORMATION IS INACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( 5 ) BEFORE THE END OF THE 30 DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. I HAVE ATTACHED MY XXXX  SMART CREDIT REPORT THAT HAS XXXX AND XXXX THAT SHOWS NO BANKRUPTCY AND EQUIFAX IS SHOWING A DISMISSED BANKRUPTCY THAT HAS TO BE DELETED BECAUSE IT DOES NOT MEET STANDARD COMPLIANCE FACTUAL DISPUTE. XXXX XXXX DOES NOT HAVE A BANKRUPTCY IN MY FILE SO EQUIFAX IS LIEING STATING THEY VERIFIED WITH XXXX XXXX I DEMAND DELETION NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found fraudulent accounts in my credit report that I did not authorize, previously I have try to remove them but nothing was done, I'd like to as for you help to fix this situation in my credit report. such accounts needs to be remove from my credit because they do not belong to me nor I have authorize them.