23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was attempting to transfer around XXXX $ around in my Venmo account, and before I could transfer my money out of my Venmo account, they locked it. They keep giving me non-answers and holding my money illegally where I have bills to pay off. No resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im report some fraudulent inquiries on My consumer report that was never authorized by me here is a list of inquiries I never authorize Equifax 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 have disputed Enhanced Recovery Collection several times with XXXX  and they are still reporting erroneous and inaccurate information. I understand the FCRA laws and this is why I am filing a complaint with the CFPB now.
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 redressing for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and records XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?
Product: Debt collection

I received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

Northstar Companies is attempting to collect a deficiency balance from XXXX. A representative, XXXX XXXX, somehow got a phone number to my ex-wife. He contacted her and said I listed her down as a reference on a loan. He also told her what company he was representing. I never listed her as a reference, so he found her number through other means and she XXXX the company and realized it is a debt collection company. That is none of her business. XXXX had all my contact information. There was no need to dig up a number from a person I have been divorced to for six years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) Also the number of months for terms changed from 77 to 0! Also not accurate! The other two bureaus are reporting 77.

3 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 

On the previous months report dated XX/XX/XXXX : 1 ) The balance changed again from the months prior to this from {$7300.00} to {$7400.00} which is inaccurate! 
2 ) The terms also went from 0 months to 77 months. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The terms also changed back to 0 which is inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate! 
2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate!

3 ) The terms also went to 0 instead of 77! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to investigate XXXX XXXX XXXX XXXX this matter immediately due to a lack of information and inaccuracies. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, 30 days Late payment on XX/XX/year> and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I was never late in fact I had a debit card on file and I want documents of that because I never made a late payment or paid any payment late.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to request the Credit Bureaus ' assistance in removing several fraudulent accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the Credit Bureaus, the fraudulent accounts remain on my credit report. I have attached a copy of the previous Letter I sent to the Credit Bureuas to this complaint for your reference. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I am expecting the removal of the disputed fraudulent accounts off of my Credit File without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  issued 1099-C in 2018, Experian previously updated balance to zero, account is currently reporting balance and 1099-C has been sent to Experian several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint via CFPB XXXX about Experian reluctance to remove unverified accounts being reported on my credit file, instead of verifying and removing the accounts in question their response is to say they do not believe I am who I say I am and that they are not going to verify the accounts. I have sent copies of my drivers license and social security card which under FCRA is acceptable, my address is a P.O. box because currently I do not have a home and can not qualify for a home because of the unverified accounts being reported as mine, they are causing me tremendous financial and quality of life issues, If they would like a notarized letter stating that I am truly XXXX, I can do that. I have again uploaded all the letters, copies of ID, certified letter receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted by phone and online to get EXPERIAN to remove an Alert placed under the new law. The alert was placed incorrectly and I never received text or emails of its existence. Was denied electrical service in XXXX Tn because of alert unless my wife and I came to office with proof ( social security card ) in person.. EXPERIAN has call center with individuals who can not communicate .No way to get Alert off except by mail appears to violate laws required QUICKNESS. I never asked for alert from them and had no idea it existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about inaccurate information on my credit report due to fraud and identity theft on numerous occasions on XXXX, XXXX, and on XXXX to remove inaccurate information from my credit report because it is a result of identity theft. Experian try told me that the information is fractured.
Product: Checking or savings account

Received letter on account from a bank I do not do business with stating thank you for your new checking account. Account was opened XX/XX/XXXX online in my name. I Closed account with bank. Filing report with fraud department, SS and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 or other personal consumer reports

I XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX vall Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXXXXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Product: Checking or savings account

Back during XXXX XXXX divested accounts and mine was transferred to Citizens. Citizens sent an information packet to my XXXX address, and it was forwarded to me in XXXX where I was locked down. The packet was delayed for months which meant I was unable to log into my accounts or set up passcodes. Without a passcode I was unable to communicate with Citizens- I could not sign into their website. I sent an email to their help contact but, got no reply. I wrote a letter to them and got no reply. I sent a registered letter to them and got no reply. 

Citizens has sent a letter to my XXXX address notifying me that they will be 'escheating ' my savings account if I do not contact them by XX/XX/2024. I am still overseas and I am unable to call their XXXX XXXX XXXX number or visit an office. 

Can you help me? I need the name and contact information : direct phone number, email, WA, XXXX for someone at Citizens Bank who can help me before my account is lost. The info in their letter : Citizens ROP XXXX XXXX Citizens XXXX XXXX  RI XXXX XXXX XXXX XXXX My contact Info : WA number : XXXX Old Hp number : XXXX email : XXXX XXXX : XXXX Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can anyone in your office help me connect with Citizens or recommend a government agency who might be able to help? 

Thank you so very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

These accounts I have listed in this complaint do not belong to me. The addresses associated with these accounts that are inaccurate does not match the address on my consumer report, which is a violation
Product: Vehicle loan or lease

To whom it may concern, I write to you with great concern regarding the recent unfortunate incident involving my XXXX Kia XXXX vehicle and Kia Motors Corporation 's and Kia Motor Finance 's actions in this matter. 

My vehicle was stolen early XXXX, which has been linked to the nationwide crisis resulting from Kia 's failure to incorporate a standard anti-theft engine immobilizer that has been an industry norm for the past two decades. This issue is compounded by Kia 's lack of response to rectify the situation, and its subsequent handling of the matter has been both disappointing and unacceptable. 

Subsequent to my insurance company 's assessment of the vehicle 's value at XXXX, the funds were remitted to Kia with the expectation that the difference would be refunded to me, given the residual value of just over XXXX. However, Kia failed to provide an appropriate and ethical resolution to this matter, as it retained the payment, effectively profiting from its own manufacturing incompetence. 

Such actions not only breach the trust that I had placed in the Kia brand, despite this being my second Kia vehicle, but also constitute an egregious violation of the law. Therefore, I urge Kia to reconsider its position and provide a just and equitable resolution to this matter. It is my expectation that Kia will rectify the issue immediately to avoid any further escalation of this matter.
Product: Debt collection

My name is XXXX XXXX, I am a XXXX XXXX XXXX veteran. One thing i'm clear about is making sure I pay my bills and take care of my responsibility. I started the process of purchasing a house in XXXX and was told not to do anything with my credit. I was notified via credit monitoring that a company named Diversified Adj Svc has put an collection on my credit report. I called the company about the collection and they said I owed a bill from when I stayed in a duplex in 2015. I assured the collection agency that it was not my debt and I didn't even live in that duplex in 2015. The company told me it was a verified debt. While this is going on, my loan for the purchase of my house fell through. I had to get an attorney because not only did I lose out on possibly building the home of my dreams, this has also made my credit worthiness plummet. I am writing to ask for help in getting this off my credit report until my attorney can file the necessary paperwork seeking damages. I have attached the proof that I did not live in the claimed residence in 2015 at all. It makes no sense that these companies can just put anything on your credit report in complete disregard to the damage it would do without doing the necessary homework.
Product: Credit reporting or other personal consumer reports

I was shocked to find unfamiliar accounts on my credit report this afternoon, with no idea how they got there. I check my report frequently, and everything had been in order, so this sudden issue threw me completely off guard. I refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. I would really appreciate it if my documents could be carefully reviewed so that I wont have to deal with this stress again.