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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I opened an account and secured a {$500.00} loan with MoneyLion Inc. in XX/XX/XXXX. I called MoneyLion Inc. on XXXX advising due to a family emergency, fraudulent activity causing XXXX XXXX to close my checking account ending in : ( XXXX ) which created a personal hardship, I could not continue to make the monthly payments coming from the now closed XXXX account. I was advised : " No problem, we will deactivate your account until your financial situation has improved and you can resume payments to MoneyLion. In mid XX/XX/XXXX I logged into my MoneyLion mobile account, finding a message that a payment was scheduled to be withdrawn on XX/XX/XXXX XXXX from the closed chase account. I filed complaint number : ( XXXX ) on XX/XX/XXXX with CFPD, received an email on XX/XX/XXXX stating CFPB did not have jurisdiction over local, state or federal government agencies. MoneyLion Inc. does not fit any of these. MoneyLion Inc. is a private, independent company founded in XXXX by XXXX XXXX of NY, NY, who remains CEO. MoneyLion Inc. offers diversified financial services. The mailing address for MoneyLion Inc. is : ( XXXX. XXXX XXXX, XXXX, Utah XXXX. The customer service phone numbers are : ( XXXX or XXXX ). The email address : XXXX ). I have contacted MoneyLion Inc. multiple times to resolve this matter to " NO '' avail. Moneylion did  attempt to withdraw funds from the closed XXXX checking account, now charging me {$23.00} for NSF fees after being advise the XXXX account was closed. MoneyLion Inc. has reported late payments of more than 30 days to the three major credit bureaus. I would like this account with MoneyLion Inc. closed and finalized.  Respectfully Submitted ...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumer 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: Credit reporting, credit repair services, or other personal consumer reports

I am issuing this complaint to inform the company of identity theft on my credit report and to act accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this dept with ( XXXX XXXX XXXX, or XXXX XXXX XXXX ), XX/XX/2021 Lp, I don't have a contract with XXXX XXXX  service, they did not provide me with the original contract as requested
Product: Mortgage

Our complaint has to do with the deferred balance on our mortgage of {$140000.00}. Because of the deferred balance, we have no equity in our home and would not be able to refinance to a lower interest rate mortgage. We have submitted a request for information to Rushmore Home Loans and they keep saying it will take some time to send this information, It has been over 3 months. 

This deferred balance was carried over from the previous servicer that held our mortgage. Several years ago, we could no longer afford our mortgage payment because due to the flexible interest rate, the monthly payments to an amount that we could not afford. After meeting with HUD counselors and other counselors and not being able to secure a fixed rate permanent modification to our mortgage with XXXX, to let our home foreclose. It never did. 

A couple years later, XXXX XXXX Loans bought our mortgage and we worked with them and they were able to offer us a permanent fixed rate mortgage. When we signed the papers for the fixed rate modification, we disputed a portion of the deferred balance. This is because a good portion of it was for interest that was incurred at the higher interest rate and had they foreclosed on us, we wouldn't have paid anyway and they would not have received that interest. We did not want to loose our home and we were happy that we were finally able to afford our mortgage payment. We have continually paid on our mortgage every month for several years now. With our busy lives, we had put this matter aside. Realizing that we are getting closer to retirement, we decided we needed to reach out to Rushmore Home loans, the current loan servicer. We requested how we can make payments on the deferred balance as well as a breakdown of what is included in the deferred balance. I have submitted multiple requests and they keep telling me that it will take some time. It has been over 3 months.

1. Deferred balance - We need to know details and also would like it reduced.

2. We need Rushmore to work with us so we can pay toward this deferred balance so we do not have to have a balloon payment at the end of the mortgage. We are 10 and 11 years away from retirement and do not want to loose our home. 

Thank you, XXXX XXXX. & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the northern New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX  filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you
Product: Credit reporting or other personal consumer reports

privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX 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 Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting error of a account over 8 years old removed this account and then after 7 years added it to my credit report. this account was in dispute for 10 months no updated status or response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX charge off account XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and anxiety, as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card

Kindly review the documents provided. I implore the bureau to start an investigation into these accounts, which erroneously depict me as late, despite my record of punctual payments.
Product: Debt collection

Hello I've been requesting complete statements from Pollack & Rosen for months. They continue to send me incomplete documents. I've requested the documents ( via letters and phone calls and voice mails ) to verify the amount owed. The statements show page 1 of 2 and all I get is page 1. I need to review and confirm the amount. If they aren't able to provide me complete information than the debt can't be verified. Per the company letter they stated they responded to me with the information they are required to provide under the FDCPA. This isn't a true statement. Please advise my next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates purchased an account from XXXX XXXX  in XX/XX/XXXX in reference to a balance of {$1000.00}. Portfolio Recovery Associates stated they sent me correspondence to an address in XXXX AZ. I do not reside in XXXX, AZ and reside in XXXX, AZ. They also stated that I received care at XXXX XXXX in XXXX, AZ and my dental office is in XXXX. They further indicated the name on the account was to a XXXX XXXX XXXX and that I was a co-signer.. As far as I can recall I never signed any documentation as a co-signer and Portfolio Recovery Associates can not verify if I signed the application. I called XXXX XXXX  they do not show my social security on any account for XXXX XXXX. I therefor request to have my credit report be corrected unless they can prove I am responsible for that account..
Product: Credit reporting

My name is XXXX XXXX XXXX. I recently disputed Civil claim judgment by XXXX XXXX XXXX IN THE AMOUNT OF {$9200.00} that appears on my credit report with Experian only and requested that I receive a legal and throughout investigation into the matter to have it removed from my credit report. They failed to provide me with any of the methods in which they claim to have validated this item and I am extremely concerned and afraid that I may not have a rightful resolution to my problem. Civil Judgment XXXX is illegal reported in the public record of my file. This item was expunged from my records following Federated Financial 's failure to appear in court and the XXXX Judge withdrew the suit against me as it was never validated or owed. Another concern I had was that the claim amount was severely inaccurate and exaggerated. The settlement outside of court was under the sum of {$2000.00}. 

I asked Experian to kindly look into this matter for me and delete this item, as it is greatly affecting my interest rates and approval odds with financial institutions, and they validated it somehow and kept it negatively affecting me in a letter sent to me XX/XX/XXXX. This public record item is not legal and it is not valid and was withdrawn by a Judge and its contents were never open and satisfied outside of court. There has never been an judgment against me XX/XX/XXXX nor have I any records proving this myself. 

What has affected me the most is that I received no documents nor any proof of any investigation as requested in my letter, which I have attached. I specifically wanted to see what Experian was seeing and there is nothing that has been provided besides a number XXXX-Please call this number yourself. there is absolutely no dial tone and it can not even been found in their database catalogue. 

Please, Experian, remove this invalid judgment from my records this is not proper investigating and this is not a legal item and can not legally be reflected under my social security number with your company. The address provided was also incorrect and I have no idea how and when and by whom this public record item was verified. Please remove it promptly, it has now been 25 days since the receipt of this letter and I will not wait any longer for any more investigations. 

I have attached my disputed letter, my recipe and their response to me in hopes of asking Experian again to please remove the item which is not valid nor viable.
Product: Student loan

Hello, I currently have my Federal Student Loans serviced by Mohela. I attented to set up a recurring auto-debit set up, whereby I would have an additional amount withdrawn every month. I wanted the additional recurring to go to a specific loan, rather than be spread across all my loans. However, I called them and they explained they do not have that option available. They said I would have to pay manually every month if I wanted my additional payments targeted. Given that they are a federal loan servicer, I find that they do not have this option to be ridiculous, and purposefully unfair to consumers. This is a policy put in place for the purpose of extracting additional interest. A consumer should have the option to direct where his additional recurring payments go, especially with the servicer pulling out all the stops to ensure we use auto-debit.
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 ( 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 process 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 8 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

A Target credit card was opened in my name on XX/XX/ with a limit of {$500.00} and used to make purchases totaling {$360.00}. The card was used online, but was also used at a physical XXXX store here in XXXX XXXX, UT where I live. This leads me to believe that the person who did this is my ex partner. He has stolen from me many times before and has even been to jail  in two states for theft from large businesses. I have seen him use his mother 's credit card information online, and attempt to use other family members ' as well. 
Upon receiving the bill for the Target credit card I did not open, I checked my XXXX XXXX account to find two more open lines of credit that I did not open or even apply for. One line of credit is for XXXX XXXX XXXX  opened on XX/XX/ for a limit of {$300.00}, and currently has a balance of {$140.00}. The third account opened is for XXXX XXXX with a limit of {$300.00} and no current balance. 
I also received letters in the mail denying requests for lines of credit that I did not apply for. One letter is from XXXX XXXX  dated XX/XX/ and the other from XXXX dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letter I sent to company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Experian, XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX ACCT # XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. The US Dept of ED/ XXXX serviced byXX/XX/XXXX was reported inaccurate. Information reported wrong dates, and the amount the servicing company is no longer in business to verify- This debt was paid in full in XXXX, and continues to be on my report. I called the Federal Student Loan Depart who confirmed that there is no contact available for the servicing company - Experian reported that the information was reported that it was verified. I have - This is also being cleared with XXXX who also reported this information with inaccurate information in XXXX - This information is not reporting with 100 % accuracy. I am requesting that the item be removed. Copies of inaccurate information and enclosed documentation reporting the wrong dates in supporting my file - Please reinvestigate these matters and delete or correct the disputed items as soon as possible. 


Sincerely, XXXX XXXX
Product: Consumer Loan

I have an auto loan through fifth third bank. they stated that they sent me 3 to 4 letters requesting my insurance information which I received none .. although they have my phone number listed on file I received no phone calls from them. 
They took an extra {$410.00} out of my bank unauthorized on top of my normal {$450.00} car payment as a punishment of not giving them my insurance information in XXXX. I immediately notified my insurance company to provide them with my current insurance and to show that NO lapse in coverage has ever been with regards to my vehicle. I was told by fifth third bank that it would take 3 to 4 weeks to refund my money to this day I still have not received a refund of the {$410.00} after providing The requested documentation .... fifth third bank then took out an extra {$410.00} on top of my normal {$450.00} payment in XXXX even though they received my insurance information this transaction overdrew my account charging me overdraft fees through my bank. fifth third bank now owes me {$820.00} and I have not received any of it back and I 'm being told I have to wait for their process when I live paycheck to paycheck for like 80 % of the population. and they really do n't care and they are in no rush to give me my money back when they had no right to take it out to begin with.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority to administrate for XXXX XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX is authorized to administrate on behalf of XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third XXXXarty Debt Collector Association Agreements for passing XXXX XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXXXXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Caveat : 1692G.

The Trust disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.