23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is damaging my credit score. Furthermore, they refuse to update their documents to the interest rates aligning with the servicemembers civil relief act. I have written them and made them aware that their calculations are incorrect. They are not willing to settle and continue to try to collect an incorrect and inflated balance from me. Furthermore, I asked for a payment ledger as it pertains to this account, and they were unable to supply me with such documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00} Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Consumer Loan

I want to start making payments to the financial institution when I got employed again. I asked to start making payments and they agreed of a certain amount. When later on I tried to cancel the next month payment due to a serious issue I had to deal with in my life, they threaten to garnish my wages and wanted to know where I work and my supervisor phone number. I did not tell them and they want 30 % of my wages. I also received a letter from them that month postmarked before I had the conversation to cancel the payment and the amount they wanted for my payment was vastly different compared to the one we agreed upon. I have called them twice to cancel the payment, each time the amount they said was different and they also refuse to cancel the payment.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXXXXXX
Product: Debt collection

I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.
Product: Mortgage

Got a loan through XXXX and my servicing company was The Money Source. Beginning loan balance was {$230000.00}. Made two principal payments. One of {$1400.00} and the other of {$1600.00} leaving a {$220000.00} balance. When the account was transfer over to my new servicing company- XXXX Bank XXXX The money source transferred a balance of {$230000.00}. Ive called the money source multiple times for the last weeks and all theyve said is that theyre working on my request. Im getting charged interest on an almost {$3000.00} principal balance that Ive paid and my money is no where to be found.
Product: Debt collection

The company below says I owe this and is threantening me to ruin my credit if i dont pay. 

XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/XXXX {$850.00} 1 Month {$850.00} Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX Collection Account Closed XX/XX/XXXX {$850.00} Unpaid MEDICAL Unpaid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Open XX/XX/XXXX {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are not supposed to 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.

15 U.S.C. 1681B ( 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: Payday loan, title loan, or personal loan

I am contacting because I thinking paying back XXXX for a XXXX loan is a bit much and ti am not sure why it so high I am making payments but I believe that is too much
Product: Credit reporting or other personal consumer reports

These Companies pull my credit and view my credit without my consent XXXX XXXX XXXX, GM FINANCIAL
Product: Credit card

I placed a fraud dispute on XX/XX/year> for XXXX unauthorized transactions from XXXX  on my account. The transaction amounts and dates are listed below. 

XX/XX/year> XXXX {$29000.00} XX/XX/year> XXXX {$29000.00} This dispute was resolved in my favor on XX/XX/year>. 

I was credited back for part of the first transaction on XX/XX/XXXX in the amount of {$27000.00}. However the remaining balance in the amount of {$29000.00} was not credited back to me. I was told i was going to receive a check in this amount because the account was closed and capital one placed a " XXXX XXXX '' on the account in the amount of {$29000.00} to put the card balance at {$0.00}. Instead of putting the credit on the card they put the balance at {$0.00} and explicitly informed me over the phone that " a check was being mailed out to me and this is why we took the credit off your account because it is a closed account and the positive balance couldn't be used on the card. '' This amount was owed to me and after about XXXX  months of waiting I have not received my check. I have called into capital one XXXX separate times receiving the same response of either " Your check is being mailed to you and will arrive by the end of this week '' or " The check hasn't been mailed, I will submit a message to the account supervisor to check in on the status of this. '' I have submitted a dispute with my bank XXXX XXXX for this transaction XXXX  days ago as it is very apparent that I will not be receiving the check from Capital One. I also called into XXXX which was the company in which the fraudulent transactions were made and they informed me that they do not have the funds either for this transaction. So at this point, Capital One is holding the funds and neither parties " myself or cardcash '' have the funds totalling in the amount of {$29000.00}. 

I am going to need this check mailed out to me asap. Along with confirmation & proof of the check being mailed in order to close out this dispute with my bank.
Product: Credit card or prepaid card

Incorrect reporting status. My account was reported late. I mailed off check that was not processed. I have proof of check mailed off. Check was later on processed after due date. Dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the fair credit billing act, specifically 15 u.s code 1666b. If unable to verify the accuracy of the account, delete it from my credit report immediately as mandated by section 15 usc 1681i ( 5 ) of the FCRA
Product: Credit card or prepaid card

During the process of American express closing my Gold Card I was never briefed on the possibility of downgrading to a non annual fee product for which they proceed on closing the account because I did not wanted to pay the annual fee and again, never gave me the chance to keep the account open by downgrading the account. It is very unfair that I now a close account in my credit score when the company never properly educated me on all the options I had. I called twice to properly work out a solution and both time they said after being on the phone for 1 hour, that they would reach back and have not done so.
Product: Debt collection

Good day!! 
I had an issue with debt collection company which didnt call me or email me about my debt which fallows to appear big collection in my credit report!! Plus XXXX XXXX  didnt read meter reading on time and start billing me wrong amount which caused big debt and this was incorrect cuz I left my current place long time ago plus XXXX XXXX didnt even try to call me or text me even email me!! So as today I paid off everything make sure I wont owe them money, but they dont wan na remove this collection from my credit report, but as I spoke with one of collectors they said they will remove after I paid whole balance!!! After few days later they said it will be in your record for 7 years ( ( ( Im totally disappointed and broke that collectors didnt keep they promise plus on top they didnt even try to call me or email me!!! Totally disappointed with outcome even I try and take responsibilities and paid off whole balance!!! I wan na complain about professionalism of this collection company which leads bad mark on my credit report even when I paid off whole balance, but at the beginning they said paid for delete As you may see my whole credit report was perfect no late payments and no big debt was under my name, but this case was inappropriate toward regular consumer who didnt know about this debt and never had communication with me about this debt and collectors just was indifferent about my future and reported without knowledge me about this serious problem!!! Pleas can you help me to resolve this issue cuz Im trying to remove this collection from my credit report after I paid off in full whole balance!!! Pleas!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report. Noticing inaccurate information, I disputed these errors and requested in pursuant to the Fair Credit Reporting Act 15 USC 1681 that they be removed immediately. The errors I informed the CRA of were unauthorized and reported without my consent but have NOT been removed.
Product: Vehicle loan or lease

Recently looked at my credit score and saw this fraudulent account this is hurting my credit badly
Product: Prepaid card

I have several XXXX debit cards issued by XXXX and serviced by Incomm which have been locked or blocked and I am unable to use. This has happened to me previously and requires a lengthy phone call to obtain replacement cards. I have had to cal about 6 times already for other cards to have this resolved. I know of other individuals who are or have experienced similar issues. I can provide card numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these fraudulent items that were added to my credit report as a result of thealleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card

I am writing as a long-time American Express customer with excellent credit to express concerns about my account, specifically regarding the high interest rate, unresolved disputes, and financial hardship caused by the current terms. 

Account Concerns I am currently being charged a 29.99 % interest rate on an account balance of {$29000.00}. This rate is excessive and has made it nearly impossible to gain control over the balance. In XXXX alone, I incurred {$8500.00} in interest charges, despite making monthly payments of {$1100.00}, the majority of which is absorbed by interest. This is unsustainable and has placed my business in significant financial hardship, particularly as it continues to recover from the economic impacts of XXXX. 

Additionally, I applied for a 0 % balance transfer card in an attempt to manage the debt more effectively, but the application was denied, resulting in a hard inquiry that negatively impacted my credit score. Upon contacting American Express, I was informed that balance transfers are not be allowed, further limiting my options for resolution. 

Dispute History Over the years, I have disputed several transactions that were charged wrongfully to my account, but American Express consistently found in favor of the merchant. One notable instance occurred in XXXX, when I was charged {$10000.00} by a company called XXXX XXXX XXXX ( also known as XXXX XXXX XXXX  ), a marketing entity led by XXXX XXXX. This individual was later charged with criminal fraud. Despite this, my dispute was denied, and the charges remained on my account. 

In XXXX, I was contacted by a group specializing in recovering funds for victims of fraudulent transactions related to this company. While I successfully recovered funds through other card issuers like XXXX XXXX, my dispute with American Express was again denied. It is disheartening that, even in cases with clear evidence of fraud, my disputes were not resolved in my favor. 


My gross income for XXXX was approximately {$45000.00}, making it increasingly difficult to sustain the current payments without additional assistance. I have reached out in good faith to seek solutions, but I have been informed that no accommodations can be made. Without relief, this situation places both my financial standing and my business at risk.
Product: Checking or savings account

SINCE YESTERDAY XX/XX/XXXX I AM TRYING TO TRANSFER MONEY TO MY ORIGIN COUNTRY ( XXXX ). I ENTER ALL DATA TO SEND USD XXXX TO MY COMPANY IN XXXX BUT CITIBANK ASK ME TO MAKE A PHONE CALL FOR SECURITY REASON ( DESPITE ) I HAVE ENTER ALL SECURITY PASSWORDS AND QUESTIONS. 
IS NOT THE FIRST TIME I HAVE PROBLEMS WITH THIS BANK. 
ITS SO MEDIOCRE. I M GETTING OUT OF THAT BANK BUT I NEED TO MAKE THE TRANSFER. ITS SO FRSUTRATING TO HAVING YOUR MONEY WHEN YOU NEED TO.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies my financial institution and Zelle failed to investigate the issue, they informed me that recovering lost funds was impossible and tracking these transactions were infeasible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$9300.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep telling eqifax to remove fraudulent accounts from my credit report. ive sent them multiple ftc id theft reports/police reports etc and they keep giving me different answers. today i sent them another ftc id theft report/police report, copy of driver 's license and social security card copy.
Product: Debt collection

XXXX XXXX, 2017 To whom it may concern : I am filing a complaint against : Gold Key Credit , IncXXXX XXXX. XXXX XXXX, XXXX, FL XXXX Not only have they failed to furnish me with a signed contract of monies they say I own, they continue to put remarks on my credit file. I have sent several certified register letters to them asking for signed contract of debt. They have only sent me information typed on paper as well as computer generated invoice from their company. I have called many times only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me to pay it. Not giving me any information to why. I also sent information to all three credit bureaus, suppling information about the company in question. XXXX has not been so forth coming, saying that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. I have been turned down for multiply credit opportunities because of this erroneous information that Gold Key continues to put on my credit report. Not to mention they say they have all the personal information they need! Need for what? My credit has been stolen in the pass and they also had all the personal information as well, that doesnt make it ME! Not only was I not in town for the two months of the date in question, but my oldest son, Great Uncle and God father all have the same name as me and two of them lived with me at one time or another. 

I would appreciate any help in this matter would be great. 

Thank you
Product: Credit reporting or other personal consumer reports

CFPB, I want this company DMAchoice to opt my personal information out of there Data Base I did not give this company permission to use or share my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to disclose bad info on a collection from XXXX XXXX, a company with a very bad reputation in the industry. 
The account was cleared in XX/XX/2016 with a XXXX balance due.
Product: Debt collection

My identity was stolen and several accounts were opened in my name including this one. I am requesting that this creditor remove this fraudulent account from my consumer report. I have never done business with these companies.
Product: Credit reporting

The address under Experian on my XXXX credit report has been reported as a new address which is incorrect Experian has also filed a Collections for {$6700.00} under a company called : XXXX XXXX XXXX, whose telephone # is:XXXX. This collections was deleted from my report when a company called : XXXX XXXX agency was filing for collections on the same debt that the apartment that I was forced to leave because someone tried to break into my bedroom window while I was in the bedroom. I rented the apartment with my daughter. The apartment security gates were always broken leaving the complex available to all kinds of undesireables free access. I filed a police report, # : XXXX. Now this different Collections agency as named above is trying to collect through Experian We also felt really insecure in the apartment, and were afraid for our lives!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to Equifax to remove a 10 yr + old mortgage account. In lieu of removing it off the report, they updated the reported date. Some creditors look at this latest reported date instead of the date of discharged. It shouldn't happen, but it does. This lead to a denial in credit due to this account still showing on my report. I called in XX/XX/XXXX and spoke to several representatives at Equifax. They said they understood my issue and agreed that this should be removed. The agent submitted the dispute on my behalf, but a few weeks later, the same conclusion. They updated the reported dated and failed to remove the 10 yr+ mortgage off my report. I called on XX/XX/XXXX, feeling I am now being given the runaround. The agent failed to transfer me to a manager at my request and stated the only thing she could do was re-submit the dispute. This old account is effecting my ability to obtain credit and should be removed off of my report due to simply the age. I feel Equifax is giving me the runaround and should be held liable for their poor service. My last course of action if the CFPB fails to act is to proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # ( Transunion, XXXX, XXXX ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.