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

I have reached out to XXXX several times regarding incorrect information on my account. My credit report shows that I have XXXX accounts with them. However, I only have XXXX account. In the past my account number has changed but I still only have XXXX account. I filed a complaint with CFPB once before regarding this same issue. The claim number was XXXX. This still has not been resolved. I would like this misinformation to be taken care of as soon as possible and updated to all XXXX  credit agencies.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX 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
Product: Money transfer, virtual currency, or money service

I was scammed over paypal by using friends and family to make payments. 

PayPal said they would t do anything because it does t offer protection with friends and family I thought by using a credit. and I was protected. they informed the bank that because it was a f & f that it wasn't a purchase but a money transfer and I my credit wasn't protected
Product: Credit card or prepaid card

Received my new credit card on Saturday XX/XX/XXXX. Used it to purchase a tool cart for work and now ( XX/XX/XXXX ) received letter stating account closed due to delinquencies and high balances on other cards. I know I have high utilization of my other cards and make my payments on time ( one account is approximately 9 years old and the other around 4. My main issue is why bother with an approval and sending card if just going to review and close. If that's the case do not approve or mail out card til reviews are done. I have been improving my credit for some time now after having put myself in a bad position years ago and have had no intention of abusing this card and understand if it would have initially been declined but to approve, allow me to make a purchase and then close feels like a twist on bait and switch. I submitted here without contacting chase as reading up on this shows they're doing it to a lot of people arbitrarily. Now my credit report will look worse because chase closing an account with a balance. Also are they expecting full payment immediately or will they abide by the interest free period that agave me reason to apply and use this card? Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted police report of identity thief and my government ID to Experian 's fraud department and spoke with Experian rep to remove a fraudulent transaction that was placed on my credit report. I notified them that I spoke to the company XXXX XXXX in XXXX and let them know I've never done business with this company and that I am a victim of identity thief and to provide documentation of who open account in my name. I've never received anything from the company. Beginning of this month I went to the police percent to report identity thief. As of XX/XX/XXXX I've spoken with 2 Representatives and 1 Supervisor at Experian who hang up in my face as I was tell them by law they are to remove the fraudulent collection XXXX XXXX XXXXXXXX amount {$5300.00} by FCRA 605B ( 15 U.S.C. 1681c-2 ) not later than 4 business days after the date of receipt by such agency to remove item. Before the supervisor hang up on me she was telling me the police report need to be sign by police office and that it was missing a page I stated to her this report is digital and they have all 4 pages and that the last page has the reporting officer and supervisor names and employee identification number. Shortly, after the disconnect I contact the police department and their record department assured me that attached police report is the whole report and it was sign digitally.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX ) on behalf of USAA SAVINGS BANK is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' XXXX XXXX XXXX XXXX and USAA SAVINGS BANK failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. XXXX XXXX XXXX XXXX and USAA SAVINGS BANK is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charged-Off Accounts Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under the account numbers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed that these accounts is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the
reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are un
able to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution.

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it.

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA.

Thank you for your cooperation. 

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

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible. 
The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. 

The following two invitations using my address were mailed on the same day. 

Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.
Product: Student loan

On XX/XX/2020, I received a letter from Financial Asset Management Systems Inc. ( FAMS ). FAMS was requesting money from student loan account that has been paid off. I contacted the company via phone on XX/XX/XXXX to discuss this request. I spoke to XXXX XXXX on this day. XXXX stated that FAMS acquired this account from XXXX XXXX XXXX and that they report to XXXX XXXX XXXX about money collection. FAMS stated that they had attempted to contact me. ( My address hasn't changed in years. My phone number has been the same for over a decade. ) She stated that she would make sure a copy of the master promissory note was sent to me via mail as confirmation of the requested money. I requested to speak to a manager so I could have peace of mind about the proof being sent to me. I spoke to XXXX XXXX, she stated that she would request a master promissory note from XXXX XXXX XXXX and then send it to me. I sent a letter to FAMS requesting validity of the requested money. I sent this letter on XX/XX/2020 with a certified mail receipt. 

I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to verify this debt. The XXXX stated that XXXX XXXX XXXX ( XXXX ) has that account and that it was no longer in the XXXX possession. I called XXXX  to get proof of the account. XXXX  has not ever serviced this account. I asked XXXX  to search for me through social security number. They were not able to provide me with any reference to an account. 

FAMS never sent documentation of proof for the requested money. I requested proof via phone and via letter. 

On XX/XX/2020, my credit account was flagged because FAMS submitted the account as a collection. On XX/XX/2020, my credit score decreased 103 points. 
On XX/XX/2020, I disputed this on my credit report. On XX/XX/2020, the agency reported that the information was accurate. 

I contacted FAMS on XX/XX/2020 about them reporting this account to the credit bureau. Also, I told them I did not receive the proof of the account. I spoke with XXXX XXXX. She wasn't able to assist me so I requested to speak to a manager. I then spoke with Mrs. XXXX. Mrs. XXXX stated that she didn't know what happened to it being mailed to me. She stated client services will send the documentation of proof. 

I haven't spoken to FAMS or received any documentation from them.
Product: Credit card or prepaid card

A Credit Card account with Commerce Bank in my name appeared on my Credit report as having been opened onXX/XX/XXXX, after I had applied for and I assume was approved for by them. The problem is it is now XX/XX/XXXXand I have not received the card. I am worried it may be lost in the mail and I do not want it to be used fraudulently. I have attempted to contact someone at Commerce who can confirm the fact that the card was actually mailed and that it may be lost. I have emailed them 5 times, but they refuse to acknowledge or answer my emails. I can not understand this lack of concern on their part and do not want my identity compromised.
Product: Mortgage

WELLS FARGO BANK MAY HAVE MODIFIED MY MORTGAGE WITHOUT ME KNOWN IT.
Product: Credit reporting

I filed a chapter XXXX bankruptcy XX/XX/XXXX. It should 've been removed XX/XX/XXXX with Equifax credit reporting agency. But it has not. The chapter XXXX bankruptcy has been removed from XXXX and XXXX reporting agency. I contacted Equifax to have it removed they told me it stays on 10 years there because they are not state regulated but federal. I want this off of my report immediately. I want to file formal complaint with CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know this address 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

I was affected by the data breach involving Equifax. They are trying to say Im not a class member when I check my name and social and it said I had been affected by the breach.XX/XX/XXXXXX/XX/year> is when they sent me a letter.
Product: Mortgage

To Mr. Cooper I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately, I have fallen short and like you to consider working with me to make this appeal a reality. 

Around XX/XX/XXXX I called Mr. Cooper call center to make a payment, the young lady at the call center stated that she could sign me up for the XXXX COVID 19 Forbearance Plan and this would delay me from making payments for three months, and she stated that she could accomplish this over the phone, and that I was approved. 

This action was very wrong, and this put me Three Months behind. 

After making payments and seeing the wrong amount on the statements, I called Mr. Cooper and the call taker stated what the other call taker did was very wrong. She then got me started on the correct paperwork. Now for the next three months I was under the correct XXXX COVID Forbearance Plan. I thought this would clear up the three months behind, but it did not. 

XX/XX/XXXX the adjustment on the three months behind statement had not changed and a Foreclosure by XXXX XXXX XXXX XXXX XXXX had been started. 

I called Mr. Copper and ask Loan Specialist XXXX XXXX what I could do about the foreclosure, he told me about the Affordable Modification Program, he then sent me the paperwork, I applied for it and was approved. 

XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XXXX XXXX XXXX XX/XX/XXXX Payment was not cause the young lady at the call center stated that I was caught up and no payment was needed. 
XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX a Payment could not be made could the call taker would not let me make a payment, she stated that I could not make a payment online, over the phone or mailing. 

I have called twice a week since then with the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of date, I have not received a response from your company, and you failed to notate the account XXXX was in a dispute. Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. The current status of loan ID XXXX is summarized below. XXXX ID : XXXX Loan amount : {$300.00} Date applied : XXXX. You are reporting a monthly payment on a charged off account which is a violation of the FCRA. You are also reporting the incorrect balance which is another violation. Attached is the XXXX XXXX for your violations which payment is to be remitted to the address on the invoice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit alert today, XX/XX/2021, that XXXX XXXX, XXXX  XXXX XXXX, reported my account to Experian as a charge off when the account is current and has no late payments since established. Contacted Ollo regarding this issue and was informed that this was due to the " system issue '' they just experienced. Their representative indicated it will be corrected but could not give me any time frame as to when this will be accomplished, the only time frame she was able to give me was " as soon as possible '' which is not acceptable as this has caused my credit scores to drop drastically and until this is rectified I will not be able to apply for any type of credit should the need arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX   XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Product: Money transfer, virtual currency, or money service

Im am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specially 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 financial loss, and I seek appropriate redress for those violations.