23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX My cash app account was hacked into and {$100.00} was taking off of my debit card that was linked to the app in the process of trying to dispute it, I accidentally sent more money to that account because of how confusing their interface is. The reason it's confusing is because in order to dispute it, you have to click on the upper right part of the screen and essentially request a refund from the person who defrauded you instead of actually being able to file a fraudulent transaction on the transfer of funds. After going back and forth with their " customer service '' I was only able to recover {$140.00} of it of the {$200.00} I was defrauded out of. Flash forward to XX/XX/XXXX, and I get a notification from cash app notifying me that I now have a negative {$40.00} balance. After talking to them, it is because they decided to resend the provisional credit that they gave me from being hacked. They said an order for me to fix the {$40.00} negative balance, I would need to add more cash to the account to bring it to a positive balance. When I've asked them to also look at previous transactions, they say can not look at the transaction history because apparently the app does not track transaction history at all. This is not the first time I've been hacked and got the runaround from them. Their customer service is terrible because it takes hours to hear from somebody and they seem to do the bare minimum to fix the problem, if they even fix it at all, and when you ask to speak to someone higher than them, they either send you to another agent or they drop the conversation entirely or give you a link to their questions of how to use of the app. They are in essence doing more to penalize the victims than they are to actually help them.
Product: Mortgage

I have a v.a. mortgage fixed rate, village capital changed my payment it went way up. they claim escrow is short. I've never had this problem, taxes did not go up in the town I live in. village capital is claiming to pay my homeowners insurance which is a LIE!! I pay my home owners insurance you will see attached files. I have travelers insurance. I contacted my insurance company about village capital tactics my insurance company bills me once per year, payment by eft/ etf taken out of my checking account I've asked village capital to take me off of escrow for my insurance payments. they refuse. I do not want to be on any escrow for homeowners insurance. I hate village capital
Product: Debt collection

I received a notification from a credit monitoring company that Central Credit Service had placed an account into collections. I did not receive a dunning letter from the company. This company took away the right from me to get a debt validation done.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 has violated my rights.

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 : I also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent an apartment today XX/XX/19 and I was told I did not meet the credit qualifications required to rent an apartment. I was confused because I do not have many credit cards and the few that I do have, I always make sure to pay them on time and keep the balance low or no balance at all. After checking my credit report I found that there are accounts opened in my name that do not belong to me. I suspect that someone named XXXX XXXX XXXX stole my information to open these accounts in my name. I didn't open these accounts and I never allowed anyone else to do so. I do not have any written or verbal contracts with these companies and I never gained anything such as money, goods, services or any other benefit from these accounts that were opened without my consent nor did I ever make any purchases or payments towards this account. I have already filed a police report regarding this situation.
Product: Debt collection

I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional {$59.00} everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled. 

I have sent the information to Klarna also. They refused to accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2
Product: Student loan

I recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.
Product: Vehicle loan or lease

SANTANDER IS A CREDITOR I AM DISPUTING IN WHICH HAS BEEN DELETED FOM MY XXXX AND XXXX. I HAVE BEEN DISPUTING CURRENTLY WITH XXXX AND HAVE BEEN GIVEN THE RUN AROUND. AS THEY'VE EVEN STATED AT ONE POINT THERE WASN'T A SATANDER ACCOUNT. NOW THERE STATING SANTANDER NEEDS TO NOTIFY THEM OF A DELETION. THIS IS A COMPANY IN WHICH IS BEING SUED AND HAS MULTIPLE LAWSUITS AGAINST THEM. THE LOAN WAS INTIALLY SIGNED UNDER DISTRESS AND FOR A CAR THAT ISN'T WORKING DUE TO THE CAR DEALERSHIP DOING A DEAL FOR A FAULTY VEHICLE. THIS HAS BEEN VERY STRESSFUL AND SATANDER HAS BEEN DELETED FROM MY HUSBANDS REPORT SUCCESSFULLY. I HAVE SENT THE BUREAUD FTC COMPLAINTS AND I HAVE ALSO WORKED WITH A CREDIT REPAIR COMPANY TO FIX THIS ISSUE. THIS XXXX SANTANDER ACCOUNT IS HOLDING MY LIFE BACK AS I AM A ELDERLY PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. I became ill with COVID-19 was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.
Product: Debt collection

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

I am requesting that the following fraudulent accounts be deleted and blocked from my credit file immediately : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX
Product: Debt collection

Account currently being reported to credit bureaus and I have yet to receive information regarding the debt.
Product: Credit reporting or other personal consumer reports

In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

On XXXX I took out a loan with XXXXXXXX XXXX  through Opploans.com. The contract lists nine payments through XX/XX/XXXX in the amount of {$210.00}. I had a deferment in XX/XX/XXXX and a payment that had insufficient funds in XX/XX/XXXX. I assume that would extend the contract to XX/XX/XXXX, and which I was told I was correct by a CSR and a Supervisor. They are now charging me additional interest which is well over a monthly payment and over {$300.00}, but Im unsure the full amount. The contract is over and theyre still charging me money. Is this legal? Would you please investigate?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. The reporting agencies must maintain accuracy. The account listed XXXX XXXX Account # XXXX is not reporting accurately. 

Equifax is not reporting the account, XXXX has 4 payments listed and XXXX has one. This means this account is not accurate and has not been properly validated under FCRA. This is causing damage to my consumer report and scores. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX  XXXX. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Navient ; XXXX ; Experian ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. XXXX XXXX sued by XXXX Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across XXXX states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Reporting Agencies on XX/XX/2023, requesting to remove : 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 that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.
Product: Money transfer, virtual currency, or money service

I payed a guy off of XXXX for a fortnite accouunt and i sent the money and never recieved the XXXX dollars back even though i recived no product i payed through paypal to XXXX XXXX
Product: Debt collection

Original debt was paid - monthly payments. First payment was made on XX/XX/year> for {$96.00} I do not owe {$480.00}- Never have I owed this - nowhere on the statement does it even mention what this money is owed for. 
I have never received anything in the mail written/email/phone that I owe {$480.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 reporting or other personal consumer reports

I recently tried to review a copy of my credit score. And Experian isnt allowing me it keeps giving me an error message of we cant show you todays 3-bureau report. Ive tried contacting customer support multiple times. Ive paid XXXX to view my score. They took the money but still will not let me view my score and denied me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and Experian are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XX/XX/2020 and they have failed to respond back.
Product: Credit reporting or other personal consumer reports

I have many cases going on with Equifax. 

I do not have a victim determination letter but I have a police report stating that I am a victim of XXXX XXXX, I was robbed, a victim of Identity theft, and a victim of XXXX XXXXXXXX. I am requesting that Equifax block any fraudulent and/or suppress items on my credit file due to XXXX XXXX fraud under the XXXX XXXX law and also under the XXXX XXXX XXXX. The accounts that I have not gave anyone permission to open under my name and not mine are XXXX XXXX XXXX XXXX and XXXX XXXX. I am really a victim of XXXX  XXXX  as well. I am a victim of all of those things. I have not been able to use XXXX for over 6 years. The agent has told me they will send it to technical support and its never fixed. I reset my passcode and then the system says I do not own a account then when I try to register for a account, Equifax tell me I can not because I own account already. I have all of this information saved on XXXX XXXX and XXXX XXXX for 6 years plus. If this is not resolved immediately. I am going to have my attorney to sue Equifax and the agents of Equifax personally for discriminating against me and not honoring my disputes, block requests, etc because of my race, background, and things I have been through. I need to be able to navigate moving from being robbed from the people that XXXX XXXX  me years ago finding me and sending people after me. All of this will be brought up if I have to sue Equifax for damages ( punitive ). This is unfair to punish me and to be honest this millions of dollars of damages. If I get killed because I can not relocate and move. Both of my children and my spouse will separately sue Equifax for damages, future, current and past punitive. They have everything documented including all agents I have associated with and their employee XXXX. Yesterday I allowed the Federal Trade Commission intake person to listen at them say that the first FTC report was invalid. I had to get a new FTC report and change the report number which have been updated. Equifax is discriminating against me because I have taken them to court before and it was small claims back then. This time it is going to Federal court because of the amount of damages if they do not honor my request. I will also report their attorneys to the XXXX XXXX XXXX, the business to the XXXX XXXX XXXX  and to the Attorney General. They must take effect on people that are victims. I could of got killed while getting robbed and its all Equifax liabiltiy for neglecting me a citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the XXXX to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute several inquiries listed on my credit report that occurred as a result of my recent car dealership application. I understand that one inquiry is necessary to process my credit application ; however, multiple inquiries from various lenders were made within a short period, which I did not authorize. 

The inquiries in question occurred on XX/XX/year> and were initiated by several car dealerships in connection with the auto loan application process. These inquiries include the following lenders or financial institutions : 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 XXXXONSUMER PORTFOLIO I kindly request that you investigate these inquiries, as I believe they were not properly authorized under the Fair Credit Reporting Act ( FCRA ). Please remove any duplicate or unauthorized inquiries from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your reference. I also included a copy of my identification to verify my identity. 

Thank you for your attention to this matter, and I look forward to your prompt response. If you need any further information, please contact me.
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 protection consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # XXXX Account NAME : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : its also states a consumer reporting agency can not furnish a Account without my written instruction 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 in inaccurate