23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX, XXXX, Experian Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX XXXX responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.
Product: Debt collection

After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, Midland Credit Management decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.
Product: Debt or credit management

i was told a membership fee was like XXXX a month. but yesterday, they took out XXXX out of my account at one time. and said it was for 3 months. i have cancelled my membership fee, and if you cancel within 30 days they are suppose to refund any money they took. and i did that.
Product: Credit card

Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtein credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 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
Product: Debt collection

I am a Victim of Identity Theft which has been reported to the Police Department. 

The company DEBT RECOVERY SOLUTIONS reported to my credit report a debt owed to XXXX even though this debt is a result of Identity Theft.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the XXXX data breach, which resulted in my personal information being exposed and used for identity theft. Under 15 U.S.C. 1681c-2 ( a ), I understand I have the right to request that fraudulent information be blocked from my credit report. However, I have faced delays and inadequate support from XXXX in resolving this issue. I urge the CFPB to investigate XXXX, Transunion and XXXX handling of this breach, ensure compliance with the Fair Credit Reporting Act, and help protect affected consumers like myself.
Product: Credit reporting or other personal consumer reports

I sent this credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : XXXX
Product: Debt collection

Dear CFPB, Under my private rights of action and administrative process I want to report that Ocwen has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. 
I never contracted with Ocwen at any capacity and have never had any business relationship verbal or written. The OCWEN Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA  XXXX was created without my authorization and through identity theft of my personal and private information. 


The Second Notice of Fault in Dishonor and Opportunity to Cure was served on XX/XX/XXXX Certified Mail # XXXX. 

The Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served on XX/XX/XXXX including my Notarized Affidavit of Non Response. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

attentively, XXXX XXXX
Product: Checking or savings account

I submitted a check through edeposit. Twice. BOTH submissions had the endorsement VERY CLEARLY WRITTEN. These imbeciles denied the deposit BOTH TIMES due to the endorsement being missing even though it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I recently had a Credit Karma account and I have had it for years. So my OLD XXXX email were compromised, which is the email that were linked to my credit karma account. So I deleted/deactivated my old XXXX account and made a new one. So I changed all of my email addresses on all of my important accounts. Credit Karma were one of them. Unfortunately, when I deactivated my OLD XXXX account it deactivated my Credit Karma as well. Which I had no clue that, that would happen. So during the process before my credit karma were deactivated without me knowing I were trying to update my login/email address on Credit Karma. I were receiving emails to my new email stating, " Confirm your new email address ''. I clicked on the link and I figured that it worked. So I attempted to log on and it said that my account were deactivated. Even when I tried to log into with both old and new XXXX address. I reached out to Credit Karma " Support Team '' and the representative XXXX stated that since I DEACTIVATED MY old XXXX   associated with my XXXX account it deactivated my Credit Karma account. How is that possible? So I told him that all that I wanted to do were UPDATE my login/email and he said that there was nothing that he could do. I feel uneasy due to how I am suppose to keep up with my credit score and open accounts now? This seemed very fishy to me. I just want my Credit Karma account back. I have used it for years. I don't understand how or why this would happen.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Incorrect Reporting of XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a complaint against XXXX regarding the inaccurate reporting of account XXXX XXXX  on my credit report. The account is currently listed as " Charged Off, '' which is incorrect and negatively impacting my credit score. 

According to the account information, the account was opened on XX/XX/XXXX, and closed. While the status is listed as " Charge-off '' with a status date of XX/XX/XXXX, the payment history does not reflect any activity that would lead to a legitimate charge-off. Specifically : Lack of Delinquency : The payment history shows only two instances of being 30 days late, in XXXXXXXX XXXX XXXXXX/XX/XXXX. There is no evidence of the extended period of delinquency ( typically 120-180 days ) required before an account is charged off. 

No Consistent Late Payments : Outside of those two months, the payment history indicates the account was generally paid on time. 

I contend that the " Charged Off '' status is inaccurate and unsubstantiated by the account 's payment history. I request that the CFPB investigate this matter and compel XXXX to : Provide documentation to support the " Charged Off '' status, including dates of delinquency and the date the charge-off was applied. 

Correct the inaccurate reporting on my credit report by removing the " Charged Off '' status. 

I have attached a copy of my account statement as evidence to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this complaint.
Product: Checking or savings account

I was trying to make payment to XXXX for a rental in the amount of {$10000.00}, and the transaction was declined initially on XX/XX/2023. Because I had terrible customer service experiences with this before, with another large purchase, I knew to call them immediately and ask for a daily spend limit increase. I was on the phone for 10 minutes verifying my information and getting them to increase the limit, they got off the phone and said try again in 5-10 minutes. I waited, and it didn't work. Agitated, I waited until the next day XX/XX/2023 before calling them again stating to the person that I'm not sure if you are familiar with the intricacies of doing a spending limit increase but please get me to someone who can increase it. A 29 minute phone call happened, and the transaction was still declined. I called them again with another 33 minute phone call and the transaction was still declined for " insufficient funds ''. I had even asked the representative jokingly if they had my $ XXXX liquid and was reassured that the bank is fine. I have now missed the rental due date for payment, and the rental transaction has been cancelled. This is not the first time I have had issues with this having to call them multiple times to get a few thousand dollars from my account.
Product: Payday loan, title loan, personal loan, or advance loan

The installation loan with Kovo , Inc., is a unauthorized and fraudulent account. I never applied for or opened an account with Kovo, Inc. The account is a fraudulent account and isnt my account. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I spoke to a supervisor who was named XXXX I told him I wanted to pay XXXX $ and that the rest of the XXXX payment would be payed on XX/XX/XXXX. He refused to honor my request based on a medical issue I had got behind 2 weeks. I then was hung up on after speaking with XXXX and I called back to verify my payment of XXXX $ was made. XXXX told me that my payment was put in but that I was not allowed good faith payments. Refused to listen constantly talking over me loudly in a predatory manner. Would not hear me out. Even tho I asserted I did not feel comfortable answering any more questions she repeatedly berated me about my payment basically telling me that my rights dont matter. I feel XXXX and XXXX are both discriminating against me for a medical issue. XXXX in the conversation did I feel like the customer she told me over and over there is no such thing as a good faith payment.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018- I was loaned {$600.00} via online by Bright Lending. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 524.9996 % - a significantly higher interest rate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 Resolution E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2019, I received notification via identification/credit monitoring agency of a derogatory item on my XXXX  credit report. Upon review of my XXXX  credit report, I noticed a report of collection by " XXXX XXXX XXXX XXXX  '' ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone ( XXXX ) XXXX ) for the sum of {$130.00}. The original creditor was listed as " XXXX XXXX. '' ( Original CR entry attached. ) On XX/XX/2019, I filed a dispute with XXXX  indicating that this is NOT my account. On XX/XX/2019, XXXX issued a letter stating : " After reviewing your dispute, we found the information you disputed does not currently appear on your XXXX credit report. '' Apparently, XXXX XXXX XXXX XXXX had withdrawn their reporting. 
On XX/XX/2019, I received another notification of another derogatory item on my XXXX  credit report. Upon review, I noticed that this was for the same {$130.00} to XXXX XXXX. This time, however, the account was reported by " Enhanced Recovery Co. '' ( XXXX XXXX XXXX, XXXX, FL XXXX and/or XXXX XXXX XXXX, XXXX, FL XXXX. Phone ( XXXX ) XXXX ). 
It appears that in anticipation of a pending nullification of the account in question, XXXX XXXX XXXX may have sold the disputed account to Enhanced Recovery Co. This seems like an unethical business practice. No honor among thieves, though, I guess. 
My issues are, first, this is NOT my account. Secondly, how can this account ever be properly addressed if every time it's disputed, it gets sold to another collection company? And finally, how can a collection ever " time out '' if these collection companies keep bouncing them back and forth, resetting the clock. It was sheer luck that I noticed this. Thanks to " XXXX '' for the heads up. I never received any notice from XXXX XXXX XXXX or Enhanced Recovery Co! Without monitoring, this may have followed me forever! And it's not even mine! This seems like fraud to me!
Product: Credit reporting or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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: Debt collection

Dear Sir/Madam, I hope this letter finds you well. I am writing to you regarding an issue with a collection account that appears on my credit report, which is being managed by your agency, ProCollect Inc. The purpose of this correspondence is to formally request the removal of this collection account in accordance with the provisions outlined in the Credit Consumer Protection Act. 

According to my credit report, there is a collection account listed under the name of XXXX XXXX, the date of first delinquency XX/XX/year>. I understand that under the Credit Consumer Protection Act, consumers have certain rights and protections, including the right to dispute inaccurate or incomplete information on their credit reports. 

Upon reviewing my records, I have reason to believe that there are discrepancies in the information pertaining to this collection account. I respectfully request that you provide me with all pertinent details regarding this account, including but not limited to : Validation of the debt, including the original creditor, the amount owed, and any supporting documentation. 
Verification that ProCollect Inc. is authorized to collect this debt on behalf of the original creditor.

Confirmation that the reporting of this collection account complies with all applicable laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I would like to emphasize that if it is determined that any aspect of this collection account is inaccurate, incomplete, or unverifiable, I insist that it be promptly removed from my credit report. I am fully aware of my rights as a consumer under the Credit Consumer Protection Act, and I am prepared to take any necessary legal action to ensure that those rights are upheld. 

I kindly request that you provide a written response to this letter within 30 days of your receipt, as required by law. Additionally, please be advised that failure to comply with the provisions of the Credit Consumer Protection Act may result in further legal action being taken against your agency. 

Thank you for your attention to this matter. I trust that you will handle this request with the utmost diligence and professionalism. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Please art attached, I reviewed my credit report & was shocked to see these unauthorized inquires on my report.
Product: Debt collection

I've been XXXX for a year, not my loan fraud used to put my name and social on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit freeze on my credit. 
Lifted the freeze temporarily and now want to freeze it again. 

On XXXX  site it is a smooth process On Experian site it is a FRUSTRATING Process, and there is no live person to talk to. 
Unable to freeze credit. Despite entering all info, keeps giving a message of unable to freeze based on the info. All the info is correct. 

There is no e-mail for customer support to write to. 
In this day and age need to send snail mail to an address on their page. Really?
Product: Debt collection

Not a duplicate an not filed by a 3rd party. to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, accounts, amounts listed an remove the information imediately. this has hendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been disputing this account named XXXX XXXX for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccurate Information on Consumer Credit Report I am writing to formally dispute the inaccurate information reported on my Equifax consumer credit report regarding my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). As per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting that you update the information to reflect the accurate status of this account. 
The account is currently open and in good standing, yet it is being reported as closed with a history of a late payment. This information is both misleading and incorrect. To the best of my knowledge, the account has never been closed and is in fact open, active, and current. I request that Equifax correct this reporting error to reflect the accurate status of the account, as well as any other details pertaining to the late payment, which should also be REMOVED. Under the FCRA, I am entitled to a timely and accurate credit report.
Product: Money transfer, virtual currency, or money service

I know and remember that I allowed an amount of money to be debited from my paycheck to take care of the overpayment from Daily Pay. I don't know why they waited two years to get a payment. That should not be legal. I only work part time on my current job and I needed the money that was available to me for bills.