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

I am writing to formally report that I am a victim of a data breach, and the following accounts and inquiries have been fraudulently added to my credit file without my authorization. I am requesting that these items be blocked and deleted from my credit report as required under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX, XXXX - XXXX - XX/XX/XXXX - {$4600.00} Fraudulent Inquiries : 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: 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 financial loss, and I seek appropriate redress.
Product: Mortgage

I used to have a loan with Bank of America and in my credit report still showing I own them money!!! And I have right now the same loan but with a different company
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Product: Debt collection

I was called XX/XX/XXXX by XXXX XXXX concerning a bill incurred by my son for {$940.00}. I had forgotten that I had signed for him to get electricity in 2004. The account was closed XXXX XXXX, and the due date on the bill was XXXX XXXX. XXXX from billing told me to make a {$100.00} payment on or before XXXX XXXX. I made a {$100.00} payment on XXXX XXXX. I tried calling to let XXXX know I would be making another payment 2 times on or around XXXX XXXX, but she was not available. I called and spoke to XXXX on XXXX XXXX for XXXX minutes trying to understand my bill. She transferred me to a manager named XXXX, # XXXX at my urging. After XXXX hours on the phone with XXXX, he agreed to send me via email an itemized bill showing me the amount of each month 's bill withheld due to " Balanced Billing '', so I knew what I was paying for. He said it would take 21 days max. He also told me not to worry ... .that as long as I was making payments XXXX would not send it over to Collections. On XXXX XXXX, another payment of XXXX was made by my son. I trusted him to begin making payments, and as soon a I realized he was not complying, I made XXXX more payments to my Reliant account online in the amount of {$50.00} on XXXX XXXX and XXXX. I was about to make another {$50.00} payment when I received a call from Torres Collections on XXXX XXXX informing me that my bill was placed in Collections on XXXX XXXX and demanded payment. I informed them that I had to call XXXX and would call them back. 

I called XXXX and asked to talk to a Supervisor. I spoke to XXXX, and she told me I had to deal with Torres Collections and was not able to answer any of my questions. I was exhausted and felt powerless and discouraged. So I waited the week-end and called Torres on Monday, XXXX XXXX. I spoke to XXXX, and she told me they can no longer delete a bad credit report due to a recent Federal Law, even if the bill is paid in full. I requested a credit report and found my credit had been ruined. I worked hard on a minimal salary averaging about {$13000.00} a year my whole life trying to build good credit and never paid a bill late. Then I asked XXXX if there was any way I could " settle '' the bill. She came back with XXXX {$140.00} payments due XXXX, XXXX and XXXX, which meant {$180.00} off the current bill of {$600.00}. XXXX asked me for a credit card number. I asked her at least 5 times if she could send me a written copy of the bill and agreement. She said that she was not allowed to send me any information. I asked her, " How can I trust you without the agreement in writing? ", especially since XXXX said one thing and did another. And she said she worked for XXXX. I told her I would call XXXX again and try again to get them to take the bill off my credit report. Instead I made a call to your agency. Please help me so I can get my credit restored with the least amount of stress. I was, and am willing, to pay my debts.
Product: Mortgage

Wells Fargo is the servicer on my mortgage loan, but it is clear that the only services they are providing is servicing their best interests and keeping me from obtaining mortgage assistance. I was given a loan modification that only dropped my payment about {$100.00} per month and did absolutely nothing to help my circumstances. I was able to make my first two mortgage payments on a trial basis and only did so because Wells Fargo gave me the impression that they would work with me to lower my payment once I was out of the trial period. I was still struggling since the modification payments really didnt help and I was kicked out of the trial program for being one day late on my final trial payment.

After I missed that payment they refused to work with me on any type of assistance. They would not have any constructive discussions with me and held my final trial check for over a year and a half and left me in limbo. Now that this has gone on for another two years, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road and now I will more than likely lose my home through foreclosure. 
Also, they have been serving my family members foreclosure documents at their home address! This is an extreme case of violation of privacy and I believe they have broken laws in the process. I definitely want this looked into as they have not only failed to work with me, but now have cause extreme embarrassment to me and my family. I have done a lot of research on the way they treat homeowners and it appears that Wells Fargo is now in the business of taking homes away instead of providing help for homeowners. We gave them {$35.00} XXXX to bail them out and they have turned their backs on me and apparently a lot of other homeowners. I read that they recently admitted to allowing over 500 homes to be lost through foreclosure due to their defective process. We should have never bailed them out and would have been better off if they failed. I make plenty of money now and can afford my payment, but there is a serious disconnect with how Wells Fargo believes how things should happen and reality. They still send me form letters all the time advising they can help, but never do. I hope your agency can go after them on my behalf and get them to correct my loan issues.
Product: Debt collection

I disputed an account that Midland Credit Management placed on my XXXX, XXXX, and XXXX  credit reports. This account is a duplicate of a XXXX XXXX/ XXXX  account that is also on my credit report. I received a letter by USPS in the mail dated XX/XX/2020 from Midland stating that I had already paid them {$150.00} ( 6 payments displaying for 2020 ) and that I should continue to pay this debt. I have never had any contact with Midland and this letter represents 1st contact. I'm sure the impetus for this letter was my current credit dispute. 

To be clear : I HAVE NEVER PAID ANY MONEY TO MIDLAND as they are reporting by mail and wire. I have continued to pay XXXX and will provide the ACH/ Wire information regarding these payments. I have no familiarity with Midland and their involvement in this account and the XX/XX/XXXX statement represents first contact. This is clearly an FCRA violation and possibly fraud by mail and wire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card

I applied for and was approved on XXXX/XXXX/16 to receive the American Express Platinum charge card with a XXXX membership rewards point bonus for spending {$3000.00} in the first 3 months. I had met the minimum spend requirement and received the XXXX point bonus on XXXX/XXXX/16. My account was then adjusted and removed the XXXX bonus points on XXXX/XXXX/16. I have called and contacted American Express membership rewards program, and they have cited that I placed spend on prepaid or re-loadable cards or other cash equivalents. I contend that I met the minimum spend without violating the terms and conditions, and the bonus XXXX points were wrongfully removed from my account.
Product: Credit card

In XX/XX/XXXX and XX/XX/XXXX, I filed a complaint about Wells Fargo who harassed me with phone calls trying to contact XXXX XXXX ( who previously had been assigned my phone number ). I had repeatedly told them who I was. I thought the problem has been remedied, but they are now calling me several times a day again trying to reach XXXX XXXX and/or XXXX XXXX. Clearly they HAVE NOT corrected their records to reflect that my phone number is not associated with the person they are trying to get in touch with. They are calling me from XXXX several times day.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( Experian, XXXX, and XXXX ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I spoke with XXXX representatives, the last of whom was XXXX ( employee ID # XXXX ), who identified himself as an Account Manager. The call lasted XXXX minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XX/XX/XXXX, under XXXX XXXX. : XXXX, and XXXX XXXX XXXX  was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX, XXXX, and XXXX. 

I am formally requesting that XXXX XXXX XXXX  update the reporting to Experian, XXXX, and XXXX to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXX, XXXX, and XXXX.
Product: Checking or savings account

I went through a company called XXXX to get my forms for my taxes and submitted it to the IRS. Due to investment loss and gain my refund ended up being XXXX Dollars. The funds were sent to XXXX on XXXX. XXXX sent took out the fee for the software and forwarded it to XXXX  to summit the remaining amount to " my bank '' Somehow, somewhere to wrong account number was put on the tax forms. I learned from XXXX when called to see where my return was. I contacted Capital One, the bank the funds were sent to. I already had a credit card there so I opened up a checking account so they could deposit the funds correctly. I provided them the tracing number of the EFT deposit, the date, the account it was sent to ( which was closed and has no relations to me at all ), my new account number, the amount. They opened a " claim '' after 10 days I received a notice from them saying that the deposit was deposited as per the info sent over. I had already told them this. So, I called probably for the XXXX time at least spoke to a supervisor who said they would file and appeal with the additional information I provided. which i had already provided on the XXXX. I also went back to XXXX who says Capital one has the money and accepted the deposit they can not request it back. However, Capital one had already refused to send it back. Yesterday I got another email from Capital one denying my appeal telling me to go back to XXXX again. I called XXXX and sent a demand letter, which I had also sent to Capital one. They contacted me and said they literally can not request it back. Capital One accepted the deposit that was sent in my name to an inactive account they have the funds. At this point I am being told that basically neither company will do anything. Capital has kept my money and is refusing to deposit it into my account or send it back to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documents relevant to this matter. The complaints are against Portfolio Recovery & Associates and XXXX XXXX XXXX. They have both failed to remove false reports attributed to me. I made a voice recording of my last call with Portfolio Recovery in which the company explicitly admits they have wrongfully listed an 11-year old charged off account as open and recently opened on XXXX XXXX, 2021. The agent consented to the recording. Here is a link to its download. 

XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX XXXX has refused to provide me with any documentation or even so much as account number that would corroborate its claim.
Product: Debt collection

I recieved mail addressed to my maiden name, XXXX XXXX, claiming to be from Phoenix Financial Services, a debt collector. It said I had an account with XXXX XXXX XXXX XXXX and I owed XXXX. It said XXXX XXXX XXXX XXXX is my current creditor and my original creditor is XXXX XXXX XXXX
Product: Debt collection

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$760.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or do any of these hard inquiries on my reports : 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: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report ( attached ) on XX/XX/XXXX & Transunion responded with a letter dated XX/XX/XXXX ( attached ) stating '' In accordance with section 605B of the FCRA, we have determined that your request has either a ) been made in error b ) is a misrepresentation of material fact relevant to the request to block/ and or C ) you have obtained possession of goods, services or money as a result of the transaction issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my Equifax credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, Ga. XXXX Thanks, XXXX
Product: Credit card

Sears/CBNA started reporting on my credit on XX/XX/XXXX for a credit card that was closed in XXXX. This event negatively impacted a credit card application I had submitted with XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>2018 XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$680.00}
Product: Debt collection

On XX/XX/XXXX I received a call from IQ Data that I had a debt outstanding. They claimed that they had sent out XXXX letters on XX/XX/XXXX + XX/XX/XXXX + XXXX. I have not received these letter. 

They claimed they did not have to go to court to collect the funds.