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

I am writing to formally dispute the inclusion of a Closed fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX XXXX  Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Money transfer, virtual currency, or money service

My Cash App account was repeatedly targeted by hackers, leading to unauthorized transactions where my funds were sent to unknown accounts without my consent. I took immediate steps to report the incidents and secure my account, but the unauthorized activity persisted. Instead of resolving the issue, Cash App closed my account. 

Despite my repeated attempts to contact Cash App for assistance, I was unable to speak with a live agent to address the matter. By failing to provide access to live customer support for critical issues, Cash App may have violated consumer protection laws, which require financial institutions to provide reasonable access to dispute fraudulent transactions. 

Additionally, I have not been refunded for the stolen funds. I am requesting a review of my case and a full refund for the unauthorized transactions. As a customer, I relied on Cash App to safeguard my funds, and I believe I deserve fair treatment.
Product: Money transfer, virtual currency, or money service

Sent {$150.00} using XXXX ( Chase XXXX with XXXX to a person I was supposedly buying concert tickets from. 
They gave me their name and email. 

XXXX XXXX email : XXXX within minutes of the transfer I suspected fraud and called Chase right away. They said there was nothing they could do and don't even know who the money went to or where. 

Chase was no help at all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint associated with my Barclays credit card ending in XXXX. Barclays reported a 30 day late payment for XXXX, XXXX with all 3 credit bureaus. Two payments were made which were reported on my XX/XX/XXXX statement. XXXX and XXXXXXXXThe XXXX  payment was returned due to a bank error, but re-submitted and cleared on XX/XX/XXXXXXXX The customer service representative states that the 30 day late reporting was incorrect and that it was only 7 days late, and that she believes it was a glitch in the system. I sent a letter to Barclays with evidence of the mistake ; but they sent me a letter stating the reporting was correct which is wrong. This mistake has hurt my credit report, making me pay more in interest on a personal loan as well as making it difficult in obtaining financing for a medical practice loan. I need this investigated and fixed.
Product: Vehicle loan or lease

i had my car repossed from wellsfargo due to XXXX policy being added to my account made my XXXX payment go up to XXXX for the XXXX policy XXXX days before payment and XXXX days after adding this policy wich i did not need due to the fact that i had my own personal insurence and gap insurence when i got the loan for the car and my car was purchased for personal use so they should not have even added Any policy to my account my interest went high and i fell behind they repoed my car XXXX days after adding the XXXX and then sold it in auction withought me being notified of where it was even at on top of all thing the settlement check they sent me went to a bancrupty trustee in Spokane that i never heard of i have never been or filed for bankruptcy amount was XXXX XXXX also went through mediation and that was a joke the first statement the mediator made was that him and wells fargo deal with people like me every day i was so emotionally drained that they were making jump through hoops for something that belonged to me anyways after they denied me getting another check made out that the bankruptcy trusstee recieved and cashed was denied please help even on the refund they did send they were still lying and stealling out money again why let the bank who robbed us be in control of our refund money .they also missapplied paymenrts incorrect fee and interest rates were charged to my account if redressed you will see that i would have hAD MY CAR PAYED OFF IF IT WASNT FOR THE XXXX POLICY
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of XXXX XXXXall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

two accounts reporting on XXXX and TransUnion I requested XXXX XXXX XXXX  to provide me documents that those accounts belong to me. They refuse to show me evidence. I have disputed those account multiple times with the credit bureaus and nothing has been done those accounts are hurting my credit really bad I have sent multiple letters to XXXX XXXX XXXX  by classified mail and they have ignore my request to provide evidence of documents I have also sent multiple letters to the credit bureaus regarding those accounts and they have not provide me with evidence either all of this has caused me so much stress because those accounts are damaging my credit.
Product: Debt collection

Atlantic Recovery Services has repeatedly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

They have : -Contacted my brother and disclosed that I owe them tons of money and that the alleged debt is related to furniture. 

-Contacted my mother multiple times, telling her I reneged on my word twice, owe tons of money, and again claimed it was for furniture. 

-Repeatedly called my family members, who are third parties and not responsible for any alleged debt. 

-Called my phone up to 13 times per day, which constitutes harassment.

-Ignored a formal cease and desist request, which I sent by certified mail and email, demanding they stop contacting me and my family.

Under 15 U.S.C. 1692c ( b ) of the FDCPA, it is illegal for debt collectors to discuss a consumer 's debt with third parties. Their actions are not only illegal, but also harassing, humiliating, and emotionally distressing.

I am requesting immediate action to : -Investigate Atlantic Recovery Services for ongoing violations. 

-Enforce compliance with the FDCPA. 

-Prevent further illegal contact with me or my family. 

I am also considering legal action for statutory damages and emotional distress.
Product: Debt collection

PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( XXXX ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquires and XXXX XXXX XXXX  I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Mortgage

We bought a house in XXXX XXXX, CA -- XXXX/XXXX/XXXX. Our mortgage was handled by a company called XXXX. Soon after the mortgage was sold to GMAC. Shortly after that OCWEN took over the mortgage. The other day we got a notice not to send our payment to them but to XXXX instead. This is all so frustrating and wreaks of the XXXX mortgage nightmare. XXXX has no record of us on their books. I have been on the phone for over an hour on hold with XXXX to get help. I pay my bills on time. I have received nothing from XXXX and the XXXX is a week from today. I need help to solve this and to reach these people and hopefully put a stop to this madness. Besides paying pawn shop interest rates on the principal these companies could care less if this sort of thing puts us out and takes up our time to reset things with their website to pay our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Uplift , Inc account number XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

I tried to transfer money from my XXXX Money Network XXXX debit card to my bank account and received error messages. I called the number on the back of the card and they were not able to tell me why this was happening or what my dollar limits are. I am unable to get my benefits from the card to my bank ( XXXX ).
Product: Credit card

Heres a more refined way to express your concern : I am writing to address an issue regarding the allocation of my credit card payments. According to the terms and conditions, any payment made in excess of the minimum due should be applied to balances with the highest XXXX first. However, I have noticed that my payments are being applied to the balances with the lowest APR instead. Despite the fact that the Chase representative acknowledged this discrepancy, I was informed that the system is responsible for the payment allocation and no manual correction could be made. This seems to contradict the terms and conditions, and I would like this issue to be resolved promptly in accordance with the agreed terms.
Product: Mortgage

I sold my home and the payoff was received by the mortgage company a day or so late after the closing resulting in a negative credit bureau report to my spouse and this has affect several financial matters regarding our rates etc ... We closed on a new home and sold the home in dispute. Prior to selling we have NEVER been reported to the Credit Bureau for negative payment history. The Company is Standard Mortgage in XXXX XXXX, La. We had been customers for 18 years and maintained an excellent payment history. The closing of our home was on the XXXX with the disbursement date the same day. Payment was received a few days late, but it was the final payoff. After getting notified by all 3 bureaus our score dropped over 80 to 90 points on all reports. I tried to communicate this to the Representative XXXX XXXX and he was rude and refused to even consider despite my providing all the financial documents regarding our closing.
Product: Debt collection

I have no written or verbal commitment with this company. I request validation 2 or 3 times can not provide proof of this debt they claiming I owe them.
Product: Checking or savings account

I received a notice that a checkings account was opened in my name at Bank of America. I never authorized this action, and never submitted any signatures or approval for this. The account opened in question is called a Bank of America Advantage Banking account, which has management/maintenance fees involved. Since I never opened the account and won't put any money in, this account will potentially accrue a litany of ( invalid ) fees and potentially affect my credit negatively. I need this account closed immediately. Bank of America has used my personal information and identity without my permission in an illegal way. Absolutely unacceptable. This should not happen at a national bank of this level. I called Bank of Americas customer service line but never reached a representative and had the line hang up multiple times. I understand that COVID has increased call times, which has led me to report this to this federal department. Similar to the XXXX XXXX scandal where they opened accounts without user permission, it is clear Bank of America is doing similar criminal activity. 

Potentially relevant information : - I have 2 credit cards at BoA - Product name : Bank of America Advantage Banking account - Dispute : invalid account opened without permission/knowledge, misuse of personal information - Product was never advertised - Contract or any paperwork was never signed by me or anyone I know - Attempted to reach Bank of America on XX/XX/2020 ... placed on indefinite hold - Have submitted forms to Office of Comptroller & CA Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX. They have erroneously processed my IDR Forgiveness incorrectly. My loans were consolidated on XX/XX/XXXX and completed a consolidation add on form on XX/XX/XXXX. I received confirmation from XXXX dated XX/XX/XXXX that it was received and processing, and the balance of my XXXX loans with MOHELA increased by XXXX while the balance of the loans included in the add on form reduced to XXXX. My Federal student loans with MOHELA were forgiven through the XXXX XXXX time adjusmtent, however the XXXX that was added on to the consolidation was not included in the forgiveness. With the XXXX time adjustment I should have credit for all periods prior to the consolidation for the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Product: Checking or savings account

Hello, I have had troubles with Truist bank before and am planning on removing my money. They won't let me take my money out without my ID which I have lost. I have a photocopy of my ID but they stated that was not good enough. 

I went to the bank on XXXX to get a notary signature on a paper to get my birth certificate. The XXXX woman with an IQ of XXXX stated without an ID she could not sign the paper. I stated the photo copy was good enough or I could bring someone in to verify the person on the paper was me. She stated no and said I was disrespectful. I got very angry as I know she was lying. There were other customers in the bank. This is what I hear, fill out this form for fraud ( no help otherwise ), go to another bank for help. I know this bank has fallen to XXXX out XXXX stars. My point is the customer service is XXXX. Every time I go there there are new tellers who do not take time to get to know their customers. In Florida my photocopy is good enough to get money out of my account and get a notary as well as bringing someone with me. To be told No I can't help you by some one with no college degree and not from this country is aggravating. I have my XXXX and know the law. The bank has broken it and I assume are making up their own laws. The arguments of the other customers were hostile. I told the XXXX manager she did not know what disrespect was and that she was lying and that I was notifying the authorities. She was very angry towards me. What I want is college educated people who follow the laws. I asked her how I could get my ID if she would not sign the paper to get my birth certificate to get my ID. She stated she needed the actual ID. I don't think she got the illogic of the gesture on her part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with Navient now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX XXXX saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID THEFT for years now and have fought with EQUIFAX to remove fraud accounts. EQUIFAX removed the fraud accounts. Conf # XXXX and XXXX and now the accounts are re-reporting!!! I can not get in contact with anyone who can help resolve this matter. At one time I was given the office of consumer affairs phone number to assist, but this number is no longer valid. I also can not log into myequifax.com upon begin told it would be fixed it has not!!! This is the error message I keep getting Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and midnight ( ET ), 7 days a week. 

No one can help!!!! 
My SSN is XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Debt collection

Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!