23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. REF # XXXX XXXX {$2.00} DATE XX/XX/year>XXXX  TRANSACTION # XXXX REASON stop payment to XXXX XXXX. REF # XXXX XXXX {$72.00} DATE XX/XX/year> TRANSACTION # XXXX XXXX # XXXX XXXX {$10.00} DATE XX/XX/year> Transaction # XXXX XXXX. REF # XXXX XXXX {$22.00} DATE XX/XX/year> Transaction # XXXX XXXX # XXXX XXXX {$22.00} DATE XX/XX/year> Transaction # XXXX XXXX # XXXX XXXX {$8.00} DATE XX/XX/year> Transaction # XXXX XXXX # XXXX XXXX {$8.00} DATE XX/XX/year> Transaction XXXX XXXX. REF # XXXX XXXX {$9.00} DATE XX/XX/year> Transaction XXXX XXXX # XXXX XXXX {$8.00} DATE XX/XX/year> Transaction XXXX I received these complaints separately today XX/XX/year>. as a 2nd notice debt collection. ( only 3 months old ) to my maiden name ( in which I have been married 9 years ) I contacted the original creditor XXXX they agree I owe them nothing and never have I done a stop payment in the 10 years I have been with them. Nor do I use checks.
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 was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/year> my XXXX passed away at XXXX. XXXX XXXX went to Frost Bank  at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and was given a withdrawal of {$XXXX} from an account he was not joint on. As XXXX of the XXXX I went to Frost Bank and asked how this could have been approved. When I questioned the bank XXXX XXXX XXXX Washington, she said her employee XXXX XXXX remembered XXXX approving this withdrawal. XXXX had been in a vegetative state for several days. I have had numerous conversations with Frost Bank about this withdrawal. XXXX XXXX has since passed away. HE was listed as a beneficiary of a separate IRA account. I inquired at Frost Bank about closing this IRA account and have received conflicting answers. The last answer was given to me by XXXX XXXX with the bank. She informed me that they would not release the funds in this account without my attorney writing to them. My Attorney would probably charge me more than {$XXXX} to take care of this with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not log in to my experian account with my username and password. i thought in first instance that i forgot my username and when i click forgot username, Experian sent my username via my email which was the same i used to log in initially. When i applied it to the link sent experian link stated that that user name not found in their system hence could not move further i contacted via email same link sent without result. I called Experian customer service # and the first information automatically asked was your social security #, when i entered that options available will not allow me to speak to a live agent. This problem been going on for about 3weeks now and what so frustrating about it was i was sent a link to give review on customer satisfaction i did not do yesterday. Experian is the official credit reporting company to my XXXX XXXX XXXX. i cant request my credit report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, XXXX, and Equifax. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX  XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from
Product: Mortgage

I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX The current creditor of the loan is as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX defined Creditor : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. 

As per XXXX XXXX  About Us ( https : //www.fanniemae.com/about-us ) the corporation states : We do not originate loans or lend money directly to borrowers. 

If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. 

Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.
Product: Credit reporting or other personal consumer reports

I became aware of my identity theft in some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/2024. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/year> and noticed inquiries that I don't recognize nor authorized. I called Experian on XX/XX/year> and the rep in the fraud department would not remove the unauthorized inquiries.
Product: Debt collection

Amsher Collection Serv is reporting inaccurate information to the three credit bureaus ( XXXX, XXXX and XXXX ), in regards to a debt I do not owe and which I had no knowledge of prior to the collection appearing on m credit report. I " am not liable for this debt and do not have a contract with Amsher Collection Serv. I have made contact with the original debtor " T Mobile '' and they have confirmed that I do not any any outstanding balance with them. To this day Amsher Collection Serv has not provided me with a original contract or any proof of debt. 

This negative reporting has caused my credit to be affected tremendously. All of my accounts are in good standing and this is the only collection that appears on my credit report. Although, I do not have any other negative items on my credit report, due to this error by Amsher Collection Serv my credit score has decreased by over XXXX points. To make matters worse, some of my current creditors that I have a positive history have lowered my available balance and denied me additional credit. I " am requesting the immediate removal of this collection from all three credit bureaus ( XXXX, XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 seven 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 of 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

I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my XXXX credit report its showing that I was 60 days late & XXXX its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but XXXX is still reporting this account as negative & XXXX as well as Transunion are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted
Product: Debt collection

This complaint is related to the company Merchants Credit Guide whose website is at https : //merchantscreditguide.com/. 

Recently, I was notified that an unpaid debt had been added to my credit report from an XXXX XXXX visit I made in 2020. When I spoke with the representative on the phone I discovered that they had the wrong address on file and had failed to notify me of the debt. 

As a result my credit score has been impacted days before I was planning on purchasing a home causing me significant financial harm.
Product: Student loan

This complaint is actually to a 3rd party that advised that I would greatly benefit from their assistance to file for the Borrower Defense to Repayment ( BDTRO ) to potentially have my loan forgiven due to the University 's fraudulent actions to get students to join. The company I worked with is XXXX XXXX XXXX  ( XXXX ) and they charged me {$1200.00} to take my info and submit the BDTRO application to the Department of Education on my behalf. This process started in XX/XX/2018. The BDTRO application was eventually confirmed received by the Department of Education on XX/XX/18. I had followed up on a few occasions with XXXX but they never had any info on the status of my application. I called the Dept of Education directly at the BDTRO hotline where I was advised that I should contact the Consumer Financial Protection Bureau since anyone can submit a BDTRO application to the Department of Education for free and there is no need for a 3rd party to complete this process.
Product: Checking or savings account

I opened the account with XXXX dollars then deposited XXXX and when XXXX  came I tried to log in and they closed my account & when I called them a lady hung up on me and Said Im not allowed to talk to you about this account thats ridiculous how the accepted my money now wont send it back or answer calls
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Student loan

My loan provider informed me that I owe all my federal debt that I have already paid. They are telling me that I owe this money because a check has been sent from the department of treasury for the amount of my debt, so for some reason that means I owe my full debt. This is affecting my credit score EXTRODINARILY. Please advise.
Product: Credit reporting or other personal consumer reports

there are 2 fraud accts on my credit file and fraud hard inquiries
Product: Vehicle loan or lease

After losing my job in XXXX of this year, I was struggling to pay all my bills to include my car note. I was four payments behind, but on Wednesday, XX/XX/2018, the company received two car payments and a fee for an extension. I was informed by the company that the extension would allow two of the delinquent payments to be posted to the end of the loan. 

My car was repossessed on Saturday, XX/XX/2018, due to me not receiving the extension that was promised. 

I immediately contacted the company and was told that if I wanted the car returned, I would need to payoff the car loan in the amount of more than {$15000.00}. I asked for a manager and complained about paying monies for an extension that was not honored. 

I was then given the opportunity to pay {$2000.00}, to get the car back. 

The company is XXXX XXXX and the supervisors names are XXXX XXXX and XXXX XXXX. The phone number is XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Acct # XXXX balance {$13000.00} opened XX/XX/XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$260.00} XXXX XXXX Acct # XXXX XXXX XX/XX/XXXX Balance {$4500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SS # XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit Report agency , block information, appearing on my consumer create a report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, Agreed, and false information consist of a personal credit card account open it XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and auto loan it XXXX XXXX XXXX open XX/XX/XXXXXXXX  account number XXXX, and personal loan with XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX a personal loan opened XXXX XXXX. These accounts have resulted in several fraudulent horror inquiries and fraudulently collection appears on my consumer FICO credit report. Ive attached a list of hard inquiries in questions as well as a copy of consumer credit report maintained by you, which shows the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report, maintain by you where youre not open, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity and fraud. I have attended a copy of FTC identity theft criminal complaint number ( XXXX ) as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report ftc violation and hacking XXXX XXXX, XXXX or XXXX XXXX  fail to look into the ftc violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit card for {$300.00} and they put my credit in the XXXX points for a {$300.00} credit card that just does not seem right
Product: Bank account or service

Citibank charged me a returned check fee on a paycheck citing " unable to locate account '' as the reason. This does not make sense, as they were provided the original, undamaged paper check. Other payroll checks submitted to Citibank at exactly the same time as the problem check also originating from the same employer/same account were successfully deposited into my newly established savings account ( opened XXXX2 weeks ago ). 

As this error is due to Citibank 's lack of thoroughness and the actual check was in their possession, I feel that fees generated by their inability to locate an account that was located for similarly issued, clearly typed paychecks at or around the same time, are due to the result of their actions. I should not have to pay for Citi 's incapability to perform basic banking duties. This was not caused by transmission/transcription errors ; it 's simply not my fault. 

My employer remarked on the poor copy of the check Citi provided me. The check is valid. I am unsure how they made such an illegible scan. I refuse to pay Citi 's unfair {$12.00} fee for their lack of accountability. 

As I have only recently opened this savings account with them, I would like to now close my account without incurring any fees if there are any for early closure XXXX {$25.00} if closed within 90 days of opening? ) due to this negative experience immediately after opening an account. I can only anticipate more unjust and inane fees and would like to sever my banking ties early. This is not worth the frustration when several consumer friendly options exist. 

Thank you for facilitating this communication. I appreciate the CFPB.
Product: Other financial service

On Saturday, I started receiving text messages out of the blue from XXXX. It says it 's from Lexington Law regarding a recent credit repair form I had submitted and to call XXXX. I have never sought out that company nor submitted any kind of credit repair form. I researched Lexington Law online and called the number given on their website -- different from the 800 number. The representative said if that was true, I would have seen a {$14.00} charge on my account, which I have not been charged. I have repeatedly received text messages from that number for days now, as well as multiple calls per day from the phone numbers XXXX and XXXX. The voicemail is a robot saying it 's someone from Lexington Law calling about my recent submission. Today, I tried to forward the text message to report as spam to XXXX. They said because it was a short code, I needed to text STOP. I got a reply back saying it will take 24 hours. I have auto-blocked the two phone numbers as well.