23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have tried to cancel my accounts via the Cash App website and mobile site. I get an error message each time and the accounts continue to stay active. 

I have emailed multiple times requesting that the accounts be removed. I provide my name, business name, account names, and associated phone numbers but they keep asking me for information that I no longer have which is the debit card number that is linked to the account. 

Each time I respond to them that I no longer have the old debit card info, I get a " stock answer '' response asking me for the same information all over again. Each response is from a different agent name. 

When I call to speak with someone the recording says that they are busy and not taking calls so please us the app. They give me the option to press " 1 '' to have someone call me back but no one ever calls back.
Product: Credit card or prepaid card

I sales person from American Express called me and offered me a card that provided 3 % cash back on one type of item, 2 % back on another type and 1 % back on all other items. 
They said I would not actually get cash but would get points that I could spend like cash on XXXX or for purchasing gift cards. 

I was lead to beleive that XXXX XXXX was worth XXXX XXXX. I could buy a {$29.00} item for {$2900.00} points. That is simply not the case. I switched my bills from a true 1 % reward card with XXXX to this phony reward card and now I have to switch everything back. 

In addition, American Express does not have a way for you to verify they are awarding the points accurately. I could n't do it from my online account and customer service could not show my how. You are just told your total with no way to verify its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022 it looks like an unauthorized auto loan from XXXX XXXX XXXX was added to my credit profile. This is not my account and is reporting negatively to my credit report. This loan was for the amount of {$21000.00} And is now {$9600.00} owed. Please REMOVE from my credit report because it is defamation of character and I have reported it multiple times. The account number is : XXXX
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB and nothing gets rectified. They said theyve done a full investigation and just the incorrect numbers on my credit report.
Product: Debt collection

Received a notice from Coast Professional , Inc. about an alleged student loan debt I owe but this is a hand-me-down dunning notice from a previously disputed debt by another debt collection agency and the school, University of XXXX. The school was previously paid for credits obtained but refused to turn over my transcripts for credits earned so they're essentially holding my credits / degree hostage for classes I didn't take and although I've withdrew from my classes in time, they still charged me and referred my account for collections which is not fair. This has been ongoing for more than ten years,
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Early Warning Services LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Early Warning Services LLC the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX or Early Warning Services LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Early Warning Services LLC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

order # XXXX I didn't receive the XXXX  I contacted their customer service 2x by chat and they weren't able to help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Equifax is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Equifax has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers. 

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Equifax XXXX failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete. 

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Equifax has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Equifax conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

If Equifax continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Equifax to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

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

In accordance with the Fair Credit Reporting act convergent XXXX XXXX  account # 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 a account with my written instructions
Product: Credit reporting or other personal consumer reports

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Mortgage

I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. 

However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. 

Do I have any recourse? 

Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.
Product: Student loan

I've worked for XXXX in the past and wanted to use my XXXX XXXX XXXX towards student loan. Despite telling me that it takes 2-3 weeks to process the payment, MOHELA ( the loan servicer ) failed to process it after 1 month. Every time I called for the past month, they kept referring to the failed payment I made on XXXX ( which had the payment sent to the incorrect address ) although I already resubmitted a new and correct request on XX/XX/12. Agents on XXXX  chat box told me they would need someone from MOHELA who is an XXXX Admin to process and accept the payment, but every agent I talked to from MOHELA said there's no such person in their organization and can't figure out what to do with XXXX  payments. It is extremely frustrating that a student loan agency failed so greatly that they can't process a simple payment request in timely manner. Not to mention that XXXX payments are taxable and affects people 's tax return if not processed within the tax year. At this point I don't even know if MOHELA is acting in bad faith, just straight up incompetent, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the XXXX  both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXXXXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I called the Collection Management Company today, XX/XX/XXXX at 4:20pm. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Their number is ( XXXX ) XXXX. 

They repeatedly asked me for my social security number, and I would not give it to them. They would hang up on me when I wouldn't give my social security number. Finally a person took my name and was able to see that a {$1300.00} charge was from a XXXX XXXX XXXX in XXXX. I've never been to a hospital in XXXX. He said he would just take my word for it and take it off my credit report and that would take 2-3 weeks. I repeatedly asked him if he could send me a confirmation that he took it off of the credit and said he couldn't do that. He said he would do an investigation and see if it was identity theft, and I asked him if he could let me know if it was identity theft and he said no. He hung up on me. 

I called again and was given the same schtick that they are doing me a favor by taking the debt off and taking my word for it, but could not prove to me that they are doing it. Then threatened me by saying they could prove that the bill was mine, but that they were doing me a favor. This is clearly a scummy, fake debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern, Hope everyone is doing great! up on reviewing my credit report I noticed that few hard inquiries listed on my credit report I do not have no knowledge or any idea who they are or what company and I dont even know who they are. 
I have contacted those company few times but I was never able to speak to real person to understand who they really are. 

Please help. 

Thank you
Product: Debt collection

My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner.
Product: Credit reporting or other personal consumer reports

EXPERIAN : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within XXXX Days Dear EXPERIAN, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within XXXX business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ).

Proof of Identity : Copy of my government-issued ID and Social Security card .

Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Investigation - Violations of FCRA Section 611 ( a ) ( 1 ) ( A ) Dear Experian Dispute Department, I am writing to reiterate my deep concern and dissatisfaction with Experian 's handling of my credit report dispute, Case # [ XXXX } and to provide further evidence of non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). 

As previously communicated, I submitted an initial complaint to the Federal Trade Commission ( FTC ) outlining the issues with my credit report. Furthermore, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and this complaint was duly verified with CFPB Complaint Number : XXXX. 

These actions should serve as irrefutable evidence of the seriousness of the inaccuracies in my credit report and Experian 's continued negligence in addressing them. Both the FTC and CFPB complaints underscore my ongoing efforts to rectify these issues, which have persisted for over a year. 

I hereby demand that Experian conducts a comprehensive investigation into this matter, utilizing the information provided in both the FTC and CFPB complaints as reference points for your inquiry. The blatant violations of FCRA Section 611 ( a ) ( 1 ) ( A ), as outlined in my previous correspondence, must be addressed immediately. 

I expect Experian to take swift and decisive action to resolve this dispute and to communicate the results of your investigation to me within 30 days from the receipt of this letter. 

Failure to address these concerns adequately will leave me with no choice but to pursue legal remedies and seek damages for the continued violations of my rights under the FCRA. 

I urge Experian to treat this matter with the urgency and gravity it deserves. Timely resolution and adherence to the law are the only acceptable outcomes in this situation. 

Sincerely, XXXX [ Enclosures : Copies of FTC and CFPB complaints, proof of delivery ]
Product: Credit reporting or other personal consumer reports

My backpack was stolen out of my car which included, computer, external XXXX XXXX, passport, wallet, drivers license, credit cards, social security card, XXXX card. A police report was made along with several FTC complaints filed. 

My credit report is show XXXX accounts with XXXX XXXX XXXX XXXX that are not correct and numerous injuries. 
XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX Inquiries - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is on my XXXX account and some of the items but not limited to all could have been caused due to the breach that XXXX had XXXXhat put mu information at jeopardy.