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

INCORRECT NAMES - XXXX XXXX, XXXX  XXXX, XXXX XXXX INCORRECT ADDRESS - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX INCORRECT EMPLOYERS - EMPLOYED, SINCE XX/XX/XXXX, XXXX XXXX XXXX EMPLOYED SINCE XX/XX/XXXX EQUIFAX INQUIRIES XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax
Product: Checking or savings account

Tried transferring money via XXXX to another account. My bank refused to make the transfers. I sat on hold for 1.5hrs and was told by 3 reps that it was " fixed ''. It never was and I'm not able to transfer money out of my account. This is causing personal accounting errors because my bank offers XXXX. It appears they are constructively making it very difficult to use so that I won't use it. They said they will block transfers in the future with no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Product: Bank account or service

Received letter from IRS proposing changes to our 2014 form XXXX because reported cancellation of debt form XXXX from Credit Acceptance Corporation which created a tax bill with penalties and interest. We never received a XXXX from this company. The only dealing we had with this financial institution was over 20 years ago and do n't have a valid debt with the company.
Product: Student loan

I attended the Illinois XXXX XXXX XXXX XXXX XXXX. As of XX/XX/year> the XXXX Department of XXXX has determined that The XXXX XXXX made pervasive and widespread substantial misrepresentations to borrowers. I am approved for a full discharge of my federal loans. I currently hold XXXX private loans with XXXX in good standing. I became aware of the XXXX XXXXXXXX XXXX XXXX application and contacted a customer service rep to obtain a copy of the application. I was placed on hold for XXXX minutes and then hung up on.
Product: Mortgage

In XX/XX/XXXX, I made an accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX (proof attached in XX/XX/XXXX letter).  In XX/XX/XXXX, I made another accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX  (proof attached in XX/XX/XXXX letter). Total of accelerated payments = $XXXX.  SPS (Select Portfolio Servicing, Inc.) is my current loan service provider.  In the past year, I've tried multiple times via phone calls to SPS Customer Service to evaluate how these accelerated payments will affect my ultimate payoff date (not maturity date).  SPS not once acknowledged that these accelerated payments had been made, gave me no guidance, and simply stated that the maturity date remains XX/XX/XXXX.  Therefore, I wrote a formal letter on XX/XX/XXXX (attached) of this year asking for assistance with my situation.  SPS wrote back on XX/XX/XXXX (attached) saying in part, that they could not give an "exact" payoff date due to the Adjustable Rate on my loan.  Please note, I did not ask SPS for an exact date in my XX/XX/XXXX correspondence.  On XX/XX/XXXX, I again responded (attached) asking SPS to acknowledge the accelerated payments and account for them, as well.  In addition, I requested assistance in estimating a reasonable payoff date.  On XX/XX/XXXX and XX/XX/XXXX, SPS responded (attached) in part, saying that they had already addressed my issues and considered the matter closed.
Product: Mortgage

We have submitted notice to the company to have escrow payments removed. They confirm that escrow is removed but continue to charge the account for escrow payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuse to remove the fraudulent accounts listed that do not belong to me. I have sent them a police report to no avail.
Product: Debt collection

The company name is XXXX, never heard about that name before, account was opened in XX/XX/year> and owned {$1600.00}
Product: Debt collection

PayPal produced fraudulent statements claiming that My item was delivered to my address when It wasn't See attachments
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt which is not mine, and which might be obtained under my name fraudulently, as I am not living in the US for 6 years and not using XXXX at all because it is not supported in home country which is XXXX. Also, find attached supporting documentation Creditor : XXXX XXXX Account opened : XX/XX/2019 Balance : XXXX $ Account number : XXXX SIMM account number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I do not recall the dates as it has been a while. My complaint is their practices for collections. I have not received anything in writing, only threatening emails to my work email. Stating they will contact my employer to have them garnish my wages, send a Sheriff to my home. I called once and they were rude, threatening and not able to have a decent conversation without belittling me and continuing their threats. I have the most recent email sent to verify how their communication has affected me.
Product: Debt collection

Got it! Since you did not consent to receiving notifications via email, heres an updated version of your CFPB complaint : Subject : Complaint Regarding Improper Collection Reporting Without Proper Written Notice Dear CFPB, I am writing to submit a formal complaint regarding the improper handling of my account by XXXX XXXX XXXX ( Account No. XXXX ). This account was sent to collections without proper written notice. 

I did not consent to receive communications via email, and I never received any written notice by postal mail informing me of the debt or giving me the opportunity to address the issue before it was sent to collections. As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written notice of the debt within XXXX days of their initial communication, and since I did not consent to electronic delivery, this notice should have been sent by postal mail. 

The lack of proper notification deprived me of the opportunity to resolve this debt before it was reported to the credit bureaus. I only found out about this when I pulled my consumer report. I am respectfully requesting that this collection be removed from my credit report due to the failure to comply with FDCPA requirements. 

Requested Resolution : Removal of the collection account from my credit report due to improper notification. 
Confirmation from XXXX XXXX  XXXX that the collection will no longer be reported to the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The company National Fitness has a gym account for " XXXX '' on my credit report and it is not my account. The company National Fitness has gone out of business and representatives from the Fitness company say that I just need to contest the matter as they agree the account should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

from : natural person-XXXX  XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX Compliance Director XXXX XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : STATE OF MI/OFFICE CHILD or XXXX XXXX XXXX XXXX XXXX XXXX neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded STATE OF MI/OFFICE CHILD and XXXX XXXX XXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.
Product: Debt collection

I am receiving emails on my work email from a collection agency named TrueAccord, stating that they are collecting for another collection agency XXXX XXXX. The emails are from a XXXX XXXX and XXXX XXXX. They are aggressive and frequent I asked him to stop emailing my job but to no avail. They are in violation of the FDCPA. 
I don't know the account they are stating that I owe. I can lose my job over getting personal emails at work and it MUST STOP
Product: Money transfer, virtual currency, or money service

A post was made on my friend 's XXXX by a scammer I messaged him and the impersonater said to send a down-payment so I sent XXXX by zelle on XX/XX/year> the next day I'm notified his account had been hacked money was sent to XXXX via zelle Spoke to XXXX they disputed with zelle ... zelle responds that I am responsible
Product: Student loan

In XXXX my student loans were transferred from Nelnet to XXXX. 

XXXX increased the amount due by approximately {$19000.00} in collection costs and penalties. 

My balance went from approximately {$35000.00} to {$54000.00}. 

The loans were then transferred back to Nelnet for collection. 

I disputed the debt on XX/XX/XXXX. See attachment. 

I also requested an administrative review pursuant to 34 CFR 682.410 ( b ) ( 5 ).  The request was made on XX/XX/XXXX. See attachment.. 

Nelnet ignored both the dispute letter and the request for review. 

They proceeded with collection. 

On XX/XX/XXXX they filed a negative report to XXXX and XXXX. 

On XX/XX/XXXX they filed another negative report to the same credit agencies. The report is also attached. 

Collections should have stopped upon receipt of my dispute letter and an administrative review should have been conducted upon the XX/XX/XXXX request. 

Instead Nelnet ignored the federal consumer protection laws.
Product: Student loan

I'm currently on SAVE and in forbearance. Interest keeps accruing on my loans, even though it shouldn't be. I'd like that interest to be taken away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Payday loan, title loan, personal loan, or advance loan

High interest rates and constant calls
Product: Checking or savings account

after reopening my account with Venmo and having a customer play me through their app, they decided to close my account with no explaitonomn no reason and won't realize my funds that are on that account till 180 days now due to this, I can't complete my customer order and they want a refund Venmo refused to release the money not me I had successfully passed all security questions asked I supplied my ID and information which approved and accepted.. 

they are stating I violated an agreement but won't tell me what it was I only had the account active for 4 hours and made one transaction also I don't understand what I did. 

I would like to provide a detailed account of my experience with Venmo. After reopening my account and receiving a payment from a customer, Venmo suddenly closed my account without any explanation. I was left confused and frustrated as I couldn't understand why my account was closed, and Venmo refused to provide me with any information. 

The closure of my account has created a significant problem for me as I had funds in the account that I can not access for 180 days. This has caused me to be unable to complete my customer 's order, and they are now asking for a refund. However, Venmo is refusing to release my funds, even after I provided all the required documents, including my ID and other details. 

I had successfully passed all security questions and answered them accurately. There was only one transaction made on my account, and I had no idea what I could have done wrong. Venmo claimed that I violated an agreement, but they did not specify which agreement. It was frustrating for me as I had only used the account for four hours, and I could not understand why Venmo closed my account without any clear reason. 

Therefore, I urge Venmo to take immediate action and provide a clear explanation for their sudden closure of my account. I also request that they release my funds as soon as possible so that I can resolve the issue with my customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the credit inquiries below. 

XXXX XXXX XXXX  Location XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX/XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

XXXX XXXX  - Inquiry Date : XXXX XXXX XXXX -Inquiry Date : XX/XX/XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I recently review my credit report recently and their are XXXX Lates from XXXX different Banks XXXX from XXXX XXXX XXXX and the other XXXX XXXX  consumer reporting agencies need to report with complete accuracy. The accounts have not been late on payments I've have attached a copy of my report to this complaint on the following dates XX/XX/year> on both Banks have reported this in XXXX. XXXX XXXX servicing company for XXXX XXXX has agreed to remove the negative late but has not done so. 
I am now requesting you Investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified I demand these payments be updated to paid on time Immediately. 
Thank You for your understanding and Prompt action
Product: Debt collection

This debt has been placed on my credit. No knowledge of this debt the residence this only debt I never live there try to dispute the death of XXXX XXXX XXXX XXXX will experience I’m able to they want to collect $XXXX   and which I don’t know why and I don’t know when it’s wet come from trying to dispute it and try to get information about it with no of course.
Product: Credit card or prepaid card

Old Navy switched to Barclay. I was never notified of the change. They also automatically enrolled me in paperless bill which I was not aware of. They stopped mailing me a bill and started emailing me from Barclay which I did not know was Old Navy so my bill did not get paid. Upon discovering this I paid my original bill however they added fees. I contacted the company Barclay and XXXX different people told me they would be removing the fees however they keep marking my bill late which is messing up my credit. I don't know how to fix. Is it legal to change companies and paperless bill without my kmowledge?
Product: Credit card or prepaid card

I received a credit card from Chime that I had not applied for. It was mailed to my name and address on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the XXXXwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXXXXXXXXXX XXXX  XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX LATE # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request to Remove LVNV FUNDING LLC, and XXXX XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the inclusion of LVNV FUNDING LLC, and XXXX XXXX XXXX XXXX on my credit report. I have notified this debt collection agency that I do not intend to pay the alleged amount listed on my file. Furthermore, I have not received any written validation of this debt as required by 15 U.S.C. 1692g under the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g ( a ), a debt collector is required to provide the consumer with a written notice within five days of the initial communication, containing : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement of the consumer 's right to dispute the debt within 30 days.

4. A statement that upon written dispute, the debt collector must provide verification of the debt or a copy of a judgment.

5. The name and address of the original creditor if different from the current creditor.

To date, I have never received such a notice, which is a direct violation of the FDCPA. Without proper validation, this debt must be considered invalid. Additionally, under 15 U.S.C. 1692g ( b ), debt collectors must cease collection efforts until they provide verification of the debt.

In conjunction with 15 U.S.C. 1692c, which protects consumers from further communication upon written request, I am demanding that LVNV FUNDING LLC and XXXX XXXX XXXX XXXX cease all collection activity and that XXXX immediately investigate and remove this entry from my credit report. 
Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ) and request for reinvestigation. I demand written confirmation once the disputed account has been removed from my report. If XXXX requires further information to process my dispute, please contact me at the address provided above. 
Thank you for your prompt attention to this matter. I look forward to your response within the statutory XXXX period. 
Sincerely, XXXX XXXX