23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and XXXX XXXX XXXX to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and XXXX XXXX XXXX again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.
Product: Credit reporting or other personal consumer reports

Hello I'm XXXX Happy XXXX XXXX Just wanted to inform y'all Could you please update my XXXX XXXXXXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX  account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX, not sure what's going on but please fix it immediately. I've called XXXX XXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely XXXX XXXX XXXX
Product: Debt collection

American Profit Recovery flagged my account as collection on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Amount XXXX THIS NOT MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX : {$10000.00} XXXX XXXXXXXX XXXX : {$83.00}
Product: Mortgage

CITI AGREED IN SETTLEMENT THAT THEY WOULD DELETE INFO FROM XXXX IN EXCHANGE SETTLEMENT. THEY HAVE NOT KEPT THEIR END OF THE DEAL
Product: Money transfers

I sent money to my mother in XXXX, and both times I did they cancelled the transaction, it did n't take to up to seven days for me to get my refund. The 2nd time I sent money the same thing happened and they needed the money to buy the bus ticket. I was mad I asked to speak to a supervisor and she said she was going to expedite the refund so it could take up to 2 days to be refunded. It has been 2 days and I am barely getting an email saying that " Western Union has received a request to cancel my money transfer : when it was them who cancelled my money transfer. Western Union is not good at all and when you want to speak to someone in regards to what happened all they say is for security purposes we do not have the reason. Just like we know they are all following a script. Western Union should change their ways soon.
Product: Debt collection

In the spring of 2019, I foolishly took a loan in the amount of {$500.00}. I made two payments of {$120.00} each totaling {$250.00}. I then discovered that Advance.Cash is also Makes Cents Inc! 

I had a separate loan with Makes Cents Inc XXXX  XXXX. I successfully proved that this loan had been made fraudulently and not only did Makes Cents Inc dissolve the loan, it actually REFUNDED the payments I had made.

Makes Cents Inc also agreed to dissolve the loan with Advance.Cash. I was absolved of any additional payments and the balance due was made XXXX!!! 

Now nearly THREE YEARS later, Makes Cents Inc d/b/a Advance.Cash has turned my name and SSN over to a collection agency which has now tarnished ALL THREE of my credit reports!! 

NO communication was EVER sent to me about this!!!! This is an additional act of FRAUD!!! 

I am a resident of South Carolina. After doing research regarding Internet Tribal payday loan laws in the State of South Carolina, I found that Makes Cents Inc payday loans are actually illegal. I contacted the South Carolina State Department of Financial Institutions and they verified that Makes Cents Inc is not licensed in South Carolina, therefore the loan contracts I had with Mandan, Hidatsa, and Arikara Nation d/b/a Makes Cents Inc d/b/a XXXX XXXX according to my state 's laws, were never enforceable. 

As a resident of SC, I am subject to its laws. South Carolina Code 34-39-110 regulates payday loan lenders in South Carolina. Lenders must have a license in South Carolina under the state law. The loans issued to me were payday loans. Payments were due on each payday making them payday loans by the very simple definition. Makes Cents Inc may be subject to tribal law based on its affiliation with Mandan, Hidatsa, and Arikara Nation. I am not a member of that community ; therefore, I am not subject to tribal law. Because it is not licensed by my state and because I am not subject to tribal law, ALL loan contracts entered into are null and void.

Makes Cents Inc claims to be wholly governed by Mandan, Hidatsa, and Arikara Nation, which is part of the Three Affiliated Tribes of the XXXX XXXX XXXX. In my telephone communications, I learned that it is actually located in XXXXnot even within the United States let alone North Dakota or on the XXXX XXXX XXXX! I have also uncovered interesting information regarding XXXX XXXX and its loan sharking charges and connection to Makes Cents Inc.

I demand Makes Cents Inc d/b/a Advance.America immediately contact XXXX XXXX XXXX in XXXX XXXX Arizona and REMOVE all records of my affiliation with this company!!!
Product: Credit card or prepaid card

I received my credit report in XX/XX/XXXX, I noticed a old debt from Chase Card for the balance of {$1400.00} dating back to XXXX. I contacted the company via postal mail in XX/XX/XXXX, stating I do not feel that I owe this debt. After 3 months, I received a letter simply stating my debt was accurate. No further explanation was given. In XXXX, I sent the company another letter stating I required proof to accept the debt as mine. The company then sent several of the same blank forms for me to fill out information, including social security number, updated address, phone number and signature. I did not feel comfortable giving this information to a company that is reporting an 13 year old debt on my current credit report and has repeatedly ignored my request for proof of accurate debt owed. This mistake is unethical and hindering me and my finances.
Product: Credit card or prepaid card

I have a {$100.00} rewards balance that is unable to be redeemed. I have attempted multiple times to use it via direct deposit and have had error after error. Customer service admits there was a " glitch '' but now they are telling me by the end of XXXX when it has gone on over 90 days already.
Product: Checking or savings account

My checking account was set up to make automatic mid-monthly payments to my XXXX in the amount of {$400.00}. For years this went off without a hitch, but on XX/XX/year>, PenFed erroneously made XXXX such transfers from my account instead of the one they were supposed to make. At the same time, there were issues with their web site making it impossible for the customer to view which transactions, if any, were pending. 

Shortly after the XXXX erroneous transfers were made, I contacted PenFed to alert them to the error and to ensure all future unwanted transfers would be halted. I did *not* ask them to reverse the XXXX erroneous {$400.00} transactions, planning instead to deduct {$800.00} from my next child support payment, but was told at the end of the call that the XXXX erroneous transactions would in fact be reversed. I later received a partial banking statement from my XXXX confirming that the multiple {$400.00} transactions had indeed posted to her account on XX/XX/XXXX, and XXXX of them had been returned to PenFed on XX/XX/XXXX. However, that returned {$800.00} was never credited back to my account, despite my having repeatedly contacted PenFed about the problem. As of today, XX/XX/year>, my PenFed checking account should have a positive balance of about {$260.00}, but is instead. overdrawn by {$540.00}
Product: Credit reporting or other personal consumer reports

After reviewing my report, I found billing mistakes with late payments that dont match my history. Please correct these errors and update accordingly.
Product: Debt collection

XXXX XXXX XXXX account was cancelled in XX/XX/2021. Confirmed cancellation email and return receipt of modem. XXXX  put Sequium Collections account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. 

According to the Fair Credit Report Act, I the consumer have a right to 100 % accuracy of accounts reporting. 

Account in question : Flex on Behalf of XXXX XXXX XXXX  Violation 1 : Inaccurate payment history XXXX XXXX XXXX  there was no amount past due {$0.00} XXXX XXXX : highest balance amount was {$1600.00}. 
XX/XX/2023 : highest balance amount is {$810.00} The payment history is grossly incorrect and the outstanding amount is too. 

Transunion did not verify the accuracy of the information prior to posting this violation to my credit report. 

I have a right to fair and accurate credit reporting under Federal law. 

I am seeking {$1000.00} per violation and to have the account removed from my credit report.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, XXXX Montana AAG Vice  President, personally assigned me to his loan officer XXXX XXXX XXXX. In my conversation with XXXX XXXX, specific requirements pertinent to obtaining a reverse mortgage loan were disclosed. They included purchase agreement, counseling, FHA appraisal, and financial disclosure, all of which were provided. Nothing more was requested or deemed required. I explained my current and past residency and lack of credit history. XXXX XXXX clearly indicated this was not a problem since I was " the perfect candidate for a reverse mortgage considering my age, marital status, and substantial net worth ''. 


Since that time, endless amounts of data have been requested and furnished whether the data was relevant or not. In early XXXX the account was reassigned to XXXX XXXX XXXX immediately after XXXX XXXX XXXX had called to advise the loan had been rejected due to a conflict between the XXXX  XXXX XXXX XXXX XXXX, and FHA requirements. XXXX XXXX XXXX 's explanation of the facts along with my email to XXXX XXXX XXXX, AAG CEO resolved the issue overnight. The loan was then reinstated. 


XXXX XXXX has repeatedly lied, misled, misrepresented and failed to disclose requirements initially, and throughout the loan process. XXXX XXXX  's standard answer is " I do n't make the rules '', but he certainly knows how to break them This has placed all parties at financial risk, and in my case, resulted in health issues. 


The UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. XXXX of XXXX XXXX, XXXX levied a {$400000.00} fine against AAG, it 's Officers and Directors for fraudulent actions comparable to that of XXXX XXXX Once again AAG has violated XXXXederal Law, and will be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

While recovering from a medical illness a few years ago, I was advised to file for bankruptcy. About two to three weeks after filing, I withdrew the application. No decision or verdict made. I withdrew the application for bankruptcy. Transunion penalized my credit score for applying despite changing my mind. That is unfair and restricts consumers from looking at all options when life gets complicated. My credit score for Transunion is XXXX, while it is XXXX for XXXX. Granted, neither is excellent, but at XXXX, I am eligible for a VA loan. 


I filed a dispute, and a decision was made, but I could not access that decision. I called Transunion because I could not log in to access their decision. A representative stated he would provide a temporary password to override the suspension on my account. I tried to log in too many times. He did not follow through. 

Transunion is a colossal company whose credit score affects my life. Yet, its customer service and experience frustrate me when I request help. They are unhelpful and put my life in jeopardy with their determination to limit my access to credit.
Product: Credit reporting or other personal consumer reports

Remove all ID THEFT FRAUD inquires related to these accounts per FCRA : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ID fraud accounts to be removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TD BANK TARGET ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached.
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and I noticed that I had three late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX, XXXX, XX/XX/year> ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXX funding account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Unauthorized Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.
Product: Debt collection

I entered into a debt consolidation program in 2017. Discover had me served with a judgement from a court stating that I was being sued for what I owed them. I was a plaintiff in a mesh lawsuit and received compensation for my injuries. DiscoverBank seized their full amount due and fees out of my checking account to fulfill the debt. However, on my credit reports which I have disputed several times, Discover states it was a charge off and that they werent paid in full. It was very odd how they just seized the money in my account the very next day after depositing into my XXXX  XXXX my lawsuit award. Which was about a year later. My debt with them was XXXX. They seized XXXX. My credit report should show them paid and full and then some, NOT a charge off. Thank you for your help with this matter. Sincerely, XXXX XXXX
Product: Debt collection

this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach that has compromised my personal and financial information. As a result, I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following inquiries from my credit report 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 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: Bank account or service

XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX ran an application on my behalf by error. As a result there were many invalid inquiries on my credit report. Along with each company and XXXX XXXX XXXX all inquiries have been removed but the one from consumer portfolio services. I have attempted to dispute this inquiry with the others directly with the credit bureaus and several times with XXXX directly. Their only response is that the inquiry came from XXXX XXXX XXXX ( which I'm aware of ). Accidents happen, as a company XXXX should recognize this and conduct an investigation to resolve the issue instead of repeating information I sent them. The inquiry has negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

I went to purchase my car on XX/XX/year>. I already pre-approved for a car auto loan thru XXXX XXXX financing. This XXXX XXXX XXXX where i purchased the car still ran my credit XXXX more time thru other lenders without my consent. I had no idea. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not authorize my credit to be ran with any of these as I was already pre-approved.