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

This is in reference to XXXX XXXX. This account still reports inaccurately on my credit report. In the midst of the challenging XXXX pandemic, I found myself on XXXX, undergoing dialysis, and facing reduced household income. I reached out to XXXX, seeking a hardship plan for my credit card. They offered a solution : close the account and repay the balance in monthly installments. As long as I made timely payments, my credit wouldn't suffer, though a late fee would apply for any missed due dates. I missed XXXX due date in XXXX leading to a {$75.00} fee but I paid it in XXXX weeks, avoiding a 30 day lateness. It was due on XX/XX/XXXX, I made the payment on XX/XX/XXXX. I made XXXX payments on this date, I will clarify later in this dispute. 

Despite diligently adhering to the agreement and making every payment, my credit report told a different story. It falsely indicated missed payments, leading to late fees and a damaging charge-off status. Unaware of this discrepancy until XX/XX/XXXX, I was shocked and dismayed. In a state of panic, I repaid the debt in full, fearing further repercussions. 

Upon closer examination of my credit report, the inaccuracies were glaring. It showed no scheduled payments throughout the year, except for a single {$45.00} scheduled payment in XX/XX/XXXX, which was actually the final {$53.00} payment I made to fulfill the agreement. The report also wrongly stated a consistent balance of {$250.00}, despite the balance decreasing with each payment. 

My monthly due date was the XXXX. I paid {$35.00} in XX/XX/XXXX. In XXXX I paid {$25.00} after the due date causing a {$75.00} late fee. I paid it on XX/XX/XXXX, XXXX weeks later avoiding a 30 day lateness. On that same date I paid another {$25.00} for XXXX upcoming payment. In XXXX I paid {$50.00}. In XXXX I paid {$65.00}. In XXXX I paid {$72.00}. Finally in XXXX I paid {$53.00}, the final and last payment. I paid {$320.00} in total on the {$250.00} balance + {$75.00} late fee, satisfying this debt. 

I have meticulously documented every payment, with bank statements serving as irrefutable proof. Yet, XXXX 's reporting remains erroneous, casting a shadow over my financial well-being. This ordeal has led to unjustified credit denials, higher interest rates on approved loans, and immense stress for my family. 

I've reached out to XXXX repeatedly, hoping they would rectify this mistake. However, they have failed to take accountability, leaving me to bear the burden of their error. This situation is not only unjust but also a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I urge you to carefully review the attached evidence and correct this grave injustice. Removing the inaccurate XXXX account from my credit report is not only the right thing to do but also a necessary step in restoring my financial standing and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was in my local laundromat, when an XXXX guy came to me and started conversing with me. Please note that, its been only 3 months, since I have been to this country. So after a bit of conversing, he told me that his bank account in XXXX  was frozen and he needed help with his bank, so that he can avoid the overdraft fee. He said he'll give me a check and take cash on its behalf. That's my biggest fault, I trusted him because my experience in US was pretty good so far. People were really warming and helping to me, so I thought, I should return the favor. We walked to the ATM and he put in a check for XXXX $ out of which I got XXXX $ in my account then and there. He then proceeded to make a withdrawal of XXXX , saying that 'I 'm leaving some for you, because we should be looking for one and another. '' The money order, which was from XXXX XXXX, still showed processing. So the guy gave me his phone number. After we parted our ways, I was still very worried and I tried XXXX for situations similar to the one, I was in. Surprisingly I did find a similar kind of a scam. So I ran back to the bank, they told me that, since the withdrawal was done in my presence, I was to be held responsible and that I should go to the police. I did that. The cops said that they'll lodge a complaint once the check shows up as a bad check. 
Next day to my surprise, the check did get cleared. That gave me some hope. I got the money in my account. I was still worried so, I took all the money and transferred it to my friends bank ( left only XXXX $ in my account ) Five days later, the check got a hold and my account was at -XXXX $ including an overdraft fee. The police lodged a complaint and told me that if I give the record to the bank, they'll give me a refund. 
After submitting the police report the bank told me there's nothing they can do because the money I gave was done on my presence so I have to communicate with the party I gave the money to. The scammer isn't going to contact me, is he? The police said, all I could do is go to the court and contest. 
I am an international student, with a huge student debt, I know i was indeed clumsy, but isn't there anyway to help me with this? At all?
Product: Debt collection

Dear Peter Roberts & ASSOCIATES ; XXXX XXXX ; and CFPB ; This is a HIPPA violation plus i thought there was a law that passed that a medical collection of less than {$500.00} shouldn't report on my credit report. Wasn't there a new law that was passed last year about this???? 

Plus, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified by XXXX  XXXX XXXX ( XXXX  ) by email ( customer XXXX  ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at XXXX, so i intially disregarded the email. On XX/XX/XXXX received a text message from XXXX  ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted XXXX  customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the XXXX  fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the Experian report from XXXX dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted XXXX  again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted Experian by telephone the same week requesting the XXXX  hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. Experian requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.
Product: Mortgage

When I struggled to stay in my home in 2010, my primary mortgage holder HSBC was almost impossible to deal with. In the end, I believe all I received was 10 years added to the length of the mortgage and I was not given a low interest which would have been of more assistance. I was also not informed that I may have a looming HELOC crisis on my second mortgage. I feel I have been misled by HSBC and defrauded by XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit account as late for any purpose.

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.
Product: Other financial service

i recieve a call from the company First Consumer telling me about how to continue paying my studentloans at a much low payments. A representative of the company XXXX XXXX XXXX told me about the law XXXX XXXX XXXX, and if I pay 1 payment of {$180.00}, and 3 paymentes of {$130.00} i was going to be on track with the company that is going to take my loans, and my payments are going to be {$18.00} monthly, that i was going to get another follow of my status on XX/XX/XXXX, and with the help of the new law of forgiveness and my payments XX/XX/XXXX i was going to obtain a forgiveness of my debts. They ask for several documents like my taxes, slips of the payments from my work, and my banking account numer and route, beacuse the only way wa going to be with an account. i ask several times that the {$600.00} were are going, and they told me that is going to go direct to my loans. The first debit of my acount was made i star confronting problems getting in contact with the company, i call the several numbers that they have, and there was no answer or they didnt respond the messages that i leave in their machines. I start doubting the company when i only talk with XXXX XXXX and a lady with the name XXXX XXXX, no one else answer the phones. One time they give me a numer of XXXX XXXX, and he told me that he do not understand why the company that have my loans have not calle me, he told me to wait until XX/XX/XXXX, then he was going to call me to check, but he didnt call. i star calling again, he only send me an email. In the meantime i call the Deparment of Education and they told that i have to be carefull with these companies. Then XX/XX/XXXX the company XXXX call me and told me that i was late in my payments with them, i talk with their representatives telling them that i do not know who they are. They explain to me that they have my account, i ask them if they work with First Consumer and they told me they dont know anything about that company, i ask if they receive my information through them and they say again no, i ask if they have heard about the law XXXX XXXX XXXX they told me not. Then the representative star talking about sending me papers, and talking about my finance condition, and put a stop until XX/XX/XXXX so give them the oportunities of getting the papers they need from me, and that i do not need to do any payments until XX/XX/XXXX. i was not receiving the papers from them i call again and talk with a representative that change my adress, and give me this link because she says most of these companies are not helping people. First consumer was suposse to do the last debit on XX/XX/XXXX, but they do another on XX/XX/XXXX. I am afraid that they are going to take money of my account, and have not do nothing, only a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only  have one n umber that is legit and that is  XXXX   XXXX
Product: Checking or savings account

I seen charges on my account from XXXX I reached out to XXXX they told me they could not help me to contact my bank. I called my Capital One explain there were charges to XXXX I did not sue. Explain my identity was stolen I made police reports and the report through FTC. I then got a email stating they denied it. I called the bank they said they never got my emails sent them I sent over 3 times to the email address they gave me. I also notice when they put in the dispute they did not do all XXXX so then they open a separate claim. My claim was denied cause of other XXXX charges and IP address that is not mine. I sent them everything showing not my IP address sent 2 police reports also sent where someone open a credit card in my name and used XXXX there to and that card was in my favor. It makes no sense why one place says they were fraud and the other dont. I have explain on XXXX to XXXX the sup that there fraud department is not looking into this right. That those others charges were on a different claim and thats not my IP address. And there bank no matter what you send in to show its fraud denies the claim. I did everything I was suppose to do. They refuse to reopen the claim. I am told to call XXXX I said XXXX sent me a letter they will not talk to me or help me which I sent them the letter. I dont feel this bank helps the consumer with fraud. I have called last week and spoke to 2 supervisors and was told I would get a call in 48 hours never did. I ask for corporate office I am told they dont have a phone number. Based on laws I look up they are under violation there fraud department is not looking into this matter the right way. I had a total of XXXX charges of {$2400.00} My social security and driver license have been compromised. I have attach my documents supporting these transactions were fraud.
Product: Credit reporting or other personal consumer reports

My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a XXXX XXXX XXXX to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX XXXX XXXX reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the XXXX or XXXX requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurately and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

Heres the list of the questionable items : XXXX XXXX  - Account Number:XXXX have not supplied proof under the XXXX XXXX XXXX by silence XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  I presume that no proof of the alleged debt nor therefore any such debt exists XXXX XXXX XXXX  - Account Number:XXXX**** I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX  - Account NumberXXXX This is not mine. 

XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX - Account Number:XXXX  I don't recall having late-payment on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

transunion US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trans Union XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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 ( CFPS ). 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I entered into a automobile loan agreement with BHFC Financial Services  XX/XX/XXXX . I maintained a good payment history with them and any time I was going to be late (twice)  I notified the company in advance. Beginning in  XX/XX/XXXX  I made several attempts to payoff the balance of the vehicle due to its high interest rate (
Product: Debt collection

XXXX XXXX sold my debt to Suttell, Hammer, & White. The debt is legitimate. I asked, as per attached letters, Suttell, Hammer & White to cease all collection attempts and to stop ALL contact with me. The company has not only ignored my requests, but has been threatening me with legal action, mailing make lawsuits, tormenting, oppressing, and engaging in false, misleading, unlawful, unfair, and fraudulent practices. I am perfectly fine it this company wants to sue me. If they do, I 'll reply, but they can not continue to act with impunity by violating, blatantly, the XXXX Fair Debt Collection Practices Act, and the Fair Debt Collection Practices Act.