23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Ive been denied a pay in XXXX several times over the last year and a half, and they are not giving me a reason ive even contacted the executive office and they said they cant pinpoint an exact reason. They keep saying that its tied to previous unusual activity yet XXXX from the Executive office said there was no fraud or anything. So Im not even sure what they are talking about! ( read where XXXX from the Executive office said there was no fraud on my account, then read the denial that says there was fraud on a pay in XXXX ). If she knows there was no fraud and admits thats not the reason then arent they legally, denying me the right to know why I was denied
Product: Money transfer, virtual currency, or money service

My identity was stolen. I contacted cash app and was told I needed a police report to move forward with my disputes. I went and got one and sent it to them. Is happened in XX/XX/year>. The police report states my cash app was compromised I was even told by an employee through email who told me that the account was compromised. The police report states XXXX was stolen from me through cashapp. I have tried for two years to get my money back when I have every thing to prove this. Instead cash app deletes my account and when I tried to make another one Im denied so I have no way to even gain contact with cash app again.
Product: Debt collection

I was furloughed from my employer XXXX XXXX in XX/XX/2020, and had called One Main for assistance due to Covid 19 forcing our agency to cut staff and my position no longer available. Initially, they were able to assist by lowering my payment from {$390.00} to {$100.00} for a period of 2 months. In XX/XX/2020, my furlough was extended a 2nd time to an additional 3 months, and I was told by One Main that they were unable to extend the {$100.00} per month agreement but double it to a monthly payment of {$190.00}. I was unable to pay this as my unemployment had run out, and I was barely able to make ends meet. So 2 months went by, and I received a call from the One Main collections department, who offered to re-negotiate my loan to {$190.00} per month for the next 5 years if I agreed to pay 2 months in advance. I was able to secure a loan from a family friend, and paid them as agreed providing they update my credit report to no longer show me as delinquent, and also to honor the agreement they had made. 

I have not yet have had my credit report corrected, and am showing past due amount of over {$700.00}, which is not what I agreed to. In addition, every time I call One Main to ensure the loan modification has been processed and my credit report updated, I am told that they forgot to finalize, and they make me feel like I am being swindled.

I don't have anywhere else to turn but you, to plead my case and ask that you reach out to One Main to have them honor what they agreed to, and also to protect me from bad business practice, which I feel that is happening. I feel completely victimized and at the mercy of a predatory lending agency, that has no interest in helping me. I am a veteran of the armed forces and served my country proudly in the XXXX XXXX. 

Please help! 

XXXX XXXX XXXX
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
Product: Credit reporting or other personal consumer reports

My credit report contains errors, such as late payments inconsistent with my normal habits. Kindly review and resolve them.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX  of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Debt collection

Northstar Location Services called my sister just now and left a message trying to collect my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXX Please remove the late payments and update these accounts ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate employment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report information on my address incorrect : I have never in life live at XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX 
XXXX and XXXX continues to report inaccurate credit card information probably at that address : XXXX  and XXXX report accounts showing charged off that is not connected to me or my address. 
My address is : XXXX XXXX XXXX XXXX, Texas XXXX and my mailing address is and has been for the past 9 or ten years XXXX XXXX XXXX XXXX, Texas XXXX.
Product: Debt collection

I have asked the caller twice not call me at work. My boss has stated this is violation of the company 's policy of personal time during working hours
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and need to be removed : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 It 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

In according to FAIR CREDIT REPORTING ACT, KickOff # XXXX ; XXXX OF XXXX # XXXX ; XXXX XXXX # XXXX ; MID XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ; Group # XXXX XXXX XXXX XXXX XXXX # ******** ; XXXX XXXX XXXX # XXXX. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect XXXX consumer reporting agencies can not furnish your account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and XXXX credit bureaus are reporting late payments which is Illegal. I have copy and pasted the XXXX law 1681s-3 the XXXX section.
Product: Credit reporting or other personal consumer reports

SEEING THESE HARD INQUIRIES ARE GIVING HARD STRESS, PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, experian says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!
Product: Credit card

( See attached PDF for details ) Wells Fargos credit card division has created an online account summary and payment system that reflects Payment Due Dates and Past Due periods that differ significantly from consumers original credit card agreements. 

Furthermore, Wells Fargo customer service employees often reference the dates associated with this online system while communicating with customers, reinforcing the misaligned information noted above. 

This serious discrepancy results in derogatory credit reporting and unnecessary late fees, potentially impacting thousands of Americans who utilize Wells Fargo credit cards.
Product: Debt collection

I have a collection from CONVERGENT OUTSOURCING ( XXXX XXXX XXXX XXXX XXXX XXXX  on my account & Ive never applied for or had their services! I contacted them to explain that I was a victim of identity theft and that I needed their account deleted ASAP! This account was open before I was XXXX XXXX XXXX and if they dont have proof of a signature I need this account DELETED!!!
Product: Money transfer, virtual currency, or money service

I hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I firmly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of paramount importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Debt collection

XXXX XXXX XXXX sent {$130.00} to my credit and i had medicaid insurance at the time to cover my medical expenses
Product: Credit card or prepaid card

In XX/XX/XXXX, the XXXX XXXX as cancelled and as replaced with a Synchrony XXXX. The {$81.00} balance I had on my XXXX XXXX should have been transferred to the new XXXX. It wasnt. 

So, via the XXXX account payment link, I paid the {$81.00} outstanding balance on XX/XX/XXXX. But it wasnt credited toward my account. It was credit toward the new account. Synchrony said theyd fix the issue. They didnt. The balance remained. 

I again paid them {$81.00} toward the XXXX account on XX/XX/XXXX. And once again, they credited the payment not to the XXXX account, but to the new card. My balance on the XXXX account remained at {$81.00}, but XXXX  promised to fix it. They didnt. 

So in XXXX I tried something different. My balance remained {$81.00}, with a minimum payment of {$29.00} due on XX/XX/XXXX. I paid {$29.00} on XX/XX/XXXX. It again was not credited toward the XXXX card, but the new card. I paid them {$29.00} again on XX/XX/XXXX. Same thing happened- it was credit toward the new card, not my XXXX balance. 

I contact Synchrony on XX/XX/XXXX and am assured I wont be marked as having a late payment. Well, its XX/XX/XXXX, and despite me paying them multiple times, more than the minimum, theyve marked me as having a late payment. They also deregistered my XXXX account. I can no longer login to see the balance ( which still stands at {$81.00} despite my many payments ), and I also cant login to even attempt to pay it off. 

The account has been closed for many months. I no longer have access to the full CC number, so I cant even attempt to reregister this account. 

I have never made a late payment on any credit card account in my life, and Im very upset by the way theyve mishandled this. If they dont correct it by XX/XX/XXXX, they will falsely report a XXXX  day late to the CRAs, unjustly impacting my credit, and this will become a FCRA violation. 

I want this issue fixed before we reach that point.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether 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 receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and Shell Point. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to XXXX XXXX and Transunion in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXXXXXX XXXX account number XXXX which I do not. The account is completely paid off
Product: Mortgage

I had a mortgage on my building and my Mortgage Company failed to allow me the opportunity to refinance my property instead of foreclosing on it. They would not decrease the monthly payment so it was not feasible for me to make payments. The offer they made was more than what came in from rent.
Product: Debt collection

XXXX XXXX XXXX  has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to XXXX XXXX to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX BANK XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX & XXXX # XXXX - Date XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2016, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account status is wrong and should be correct. Now, I want you to remove this misinformation on my file XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do.
Product: Debt collection

Description of Dispute On XX/XX/XXXX, an account was opened with JEFFCAPSYS, associated with the original creditor, XXXX XXXX XXXX, for a balance of {$1800.00}. I discovered this account on my credit report with XXXX, XXXX, and XXXX, marked as a collection account and flagged as derogatory. 

On XX/XX/XXXX, the account was last reported and indicated as being in collection/chargeoff status. The comments state that the account meets FCRA requirements despite my prior disputes about its validity and accuracy. 

I have taken action by disputing this account with the credit bureaus ; however, the account continues to be reported, and I have not received adequate validation or verification of this debt. I question the accuracy, completeness, and legitimacy of the reported information, including the claimed balance and its collection status. 

I am requesting that JEFFCAPSYS and all associated parties involved in reporting this account immediately validate the debt and cease reporting any unverifiable or inaccurate information to the credit bureaus. If validation can not be provided, I am asking for this account to be promptly removed from my credit reports.