23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN XXXX DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A XXXX PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
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 violates the Cunsumer Financial Protection Act ( CFPA ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding Zelle handling of transaction disputes. In light of the CFPB lawsuit that highlighted significant issues with the platform. I have used Zelle a plethora of times and have reported discrepancies, that my financial institution and Zelle have failed to investigate. I was told recovering lost funds is impossible and tracking them unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This company continues to call and not provide any information about why they are calling or the debt they are attempting to collect. Then they threaten me by saying I am being taken to court. They call my work phone and my cell phone daily using robocalls. 
The company name, they say is ADR Group or Alternative Resolution Dispute. But I can not find them online. The number they sometimes answer is XXXX
Product: Debt collection

I have corresponded with this company multiple times and each time I 've told them this is n't my debt and I 've requested validation as well. They recently sent me what they deem validation but it does n't belong to me. It 's a copy of a  XXXX   XXXX    XXXX    check where she paid  XXXX   XXXX   XXXX  a {$10.00} payment. I 've never lived in Texas and my name is n't  XXXX   XXXX . With all the identity theft going on they 're not careful enough to protect other people. It also has an address I 've NEVER heard of or lived at and has some  XXXX   XXXX  as my significant other. The only  XXXX   XXXX  I know of is the   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT
Product: Debt collection

This complaint is in regards to a collection account appearing on my credit report from XXXX XXXX. This company has no legal right to report this " collection '' account on my reports because this account is still owned and serviced by XXXX, the original servicer. I have contacted XXXX and they have confirmed to me in writing that they still own and actively service this account and that I may payments directly to them. I have no contract with XXXX XXXX and so they are violating my rights and credit reporting laws by reporting a collection in their name to my credit report. This account still remains with XXXX and was not sold to Convergent as confirmed by XXXX themselves. I have attached a transcript of my conversation with a XXXX representative with them confirming as such. 

This collection account should be deleted immediately from my credit report.
Product: Credit card or prepaid card

I have had a store credit with Comenity since XXXX I have never missed a payment. Not only haven't I missed a payment, I have paid my entire balance. My line of credit was {$1400.00} until today. The account was accessed by an unknown person rather it was in the bank of comenity or someone who called and pretending to be me, and my credit was decreased to {$100.00}. This being after I have already paid my entire balance, with no missed payments.. ever. There have been no other changes to my information at all. I am being severely financially abused and harassed. All of the clothing which was purchased from the store has been ruined inside my home, and is covered with insecticides, and other powdery substances which are deteriorating the fabrics. I am a victim of terror.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX investigation has not resolved an issue where my Infiniti Financial Services account continues to show payments past due for XXXX and XX/XX/2023. Infiniti granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.
Product: Credit reporting or other personal consumer reports

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have not given any of the following information nor authorization to any of these companies. This is a violation of the FCRA act and these companies are hindering my consumer report. The following companies are as stated : 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 XXXXXX/XX/XXXX
Product: Debt collection

This company has no regards to following rules pertaining to fair debt collection practices. They've repeatedly called my phone non stop for months extending the maximum frequency of no more than 7 times in a XXXX consecutive period. I've done enough reading to know that it is a misdemeanor crime. They use multiple different phone numbers and it's stressed me out to the point it's felt like an impending doom lurking over my head. I have screenshots of the amount of phone calls and will submit proof. I've had XXXX calls, not including text messages and emails since just XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, I was scheduling my credit card payment on my online banking payment tool. I was confused about the balance that my Citi Credit Card ( XXXX  Advantage ) had on my statement closing on XX/XX/XXXX since I had requested a Citi XXXX  Plan for a travel purchase I did the month before. The statement stated a figure of {$8000.00} for the total balance to pay, however, when looking at all my purchases for that month, the total of those transactions only amounted to {$5300.00}. I was confused about these XXXX inconsistencies and I called the Citi Card customer service to ask for an explanation. The representative that answered the phone was very rude and clearly did not know how to explain why the balance reflected on the statement was {$8000.00}, however my payment due was {$5800.00} rather. I had to download all my transactions into XXXX XXXX, sum them all up and include the Citi XXXX payment that the representative told me was {$450.00} to come up with the {$5800.00} that was due for that month. If the payment due for that month was {$5800.00}, then the statement should reflect that amount, not {$8000.00}. I feel this is a deceptive practice to customers, as it's confusing and does not reflect the reality of what the actual payment is. If I don't do my own due diligence I would have pay {$8000.00} instead of the {$5800.00}. The Citi XXXX  Plan is an option Citibank offers to pay for larger purchases over time. It's sort of like a credit facility and therefore Citibank should have a proper statement for that particular plan or have their regular statement be clear enough to customers on the details of the XXXX  Plan. The information is very confusing and deceiving.
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXXXXXX XXXX XXXX  ) Account # ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.
Product: Mortgage

Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX , personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California ( 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX Prestige Default Services records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX XXXX XXXX XXXX sells Plaintiff 's property to XXXX XXXX XXXX XXXX XXXX XXXX  where XXXX XXXX participated in an unlawful auction that took place after XXXX XXXX, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, XXXX XXXX XXXX XXXX was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files XXXX XXXX XXXX XXXX Superior court Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever.

They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Transunion received documents from me disputing several accounts and inquiries on my credit report. Transunion has not removed all of the accounts and inquires that I requested them to remove due to them being wrongfully reported. I have sent Transunion documents notifying them of their default and requesting them to remove the remaining accounts and inquiries. I will attach all documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get all 3 credit score an only 2 is showing yall not releasing my other score I dont whats the hold up I need my score untless yall going to give me some money in return to fix this problem release my score so I can become an home owner have an good day
Product: Student loan

When I contacted XXXX regarding consolidation of my loan with my spouse 's loan almost 20 years ago, I was not told that I this constituted " refinance '' and I would never be able to refinance again. I consolidated my loan and locked my interest rate in approximately 5 % higher than current/recent rates. Later, when I was out of work, I contacted XXXX for assistance and was only presented with the option of forebearance. I was not adequately explained how the compounding interest would affect my balance. After many, many years of repayment, my spouse lost his job and I learned about income based repayment through my own research. I applied and was accepted, but the recertification process was not explained to me. At the end of the year, I had to pay the full payment plus a late penalty for several months because I had continued to pay the amount based on the income based plan only. Finally, my spouse found new employment and during the recertification for our income plan, we were given a very large monthly payment amount. I had to ask multiple times to finally be advised that my payment would actually be less if we went off the income based plan and just paid the regular amount. I had to make numerous verbal and written requests to go OFF the income based plan. I have been in the process of repaying my student loans for over 20 years. I now owe approximately 3 times what I originally financed, and by the time I finish repaying, I will have paid approximately 5 times what I originally financed.
Product: Checking or savings account

On XX/XX/2018, a {$15000.00} charge was made on my now-closed XXXX checking account. This charge DID NOT originate from my Coinbase account. My Coinbase account was not compromised in any way as I have 2 factor authentication and new device security enabled that were both not triggered during that time. My XXXX checking account was also not compromised as I have new device security enabled that was not triggered during that time.

I have complaints out with the Illinois Attorney General 's office, the FBI IC3, and a local police report for this fraudulent charge. I also have an active claim with XXXX XXXX  regarding this fraudulent charge. Coinbase is not replying to either of these channels whatsoever.

I implore Coinbase to please seriously look into this fraudulent transaction with their bank XXXX XXXX XXXX so my funds can be returned to me. I will provide any evidence necessary to support my claim.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/XXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX  earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Product: Debt collection

They are reporting a debt without contacting me first on my credit report they haven't spoke with me at all not through phone, not through mail or any other communication so theyre going against the fair credit act
Product: Debt collection

On XX/XX/2020, I pulled my 3-bureau credit reports from XXXX and found a collection from National Credit Systems in the amount of {$3200.00} on behalf of XXXX XXXX. I noticed that the debt was a joint account, and I never had a joint lease with someone else in the past. So I sent National Credit Systems a letter asking them to verify the debt, specifically asking for proof such as a breakdown of fees and how they calculated the debt. I also asked for some type of proof that the debt was mine, such as signed documents by me or anything that would identify me as responsible for the debt. Knowing that this debt is not mine, I was confident that they could not prove this debt as mine and I intended have the false collection removed from all 3 bureau reports. 

However, when I received a letter back from National Credit Systems, I found that not only had they not given me any supporting documentation proving that I am responsible for this debt, but they also INCREASED the amount they claim I owe by more than double. They now claim I owe {$6900.00}, and they intend to " update '' this with the 3-bureaus. What's worse, they typed " Enclosed you will find documentation provided to us by XXXX XXXX. '' and tere was no documentation enclosed. Only the single letter which I have attached to this complaint was in the envelope. I believe they placed this statement deceptively to make it seem as if documentation was sent, when truly it was not. 

I find it very difficult to understand where they got either of these totals, especially since the credit bureaus reported that the last time this debt was supposedly verified was XX/XX/2020. I have tried to dispute this with the bureaus as well, but the entry remains. I would like to finally get this false collection removed from my credit reports so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX