23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the DISHONEST CHARGE on mine and my daughters credit report from XXXX XXXX. My daughter was advised that they had found someone to sublease her apartment and was asked to vacate the property in 5 days. My daughter done what was asked of her and moved out of the apartment and gave them the keys to the property and signed the appropriate vacate paperwork on that date. WE DID NOT HAVE POSSESSION OF THE PROPERTY AFTER XX/XX/XXXX. Supposedly the person that was going to take over the lease fell through so they wanted us to continue paying it but we did not have any keys to even enter the apartment at that point. ANY CHARGES AFTER XX/XX/XXXX SHOULD NOT BE OUR RESPONSIBILITY. They kept my daughters deposit and continued charging rent for XXXX to XXXX. We will not be paying the charges that are on the credit report and want them removed IMMEDIATELY. 
Timeline : XXXX-received a text message from property management advising that there was someone to sublease the apartment. Text message sent by an employee that SPECIFICALLY ask that XXXX turn in her keys by XX/XX/XXXX. ( SEE TEXT MESSAGE ) I truly think that the email that the employee sent shouldnt have been sent because it must have not been proper protocol but in the end we did what they asked us to do! 
XXXX vacated the apartment and turned the keys in. AFTER THIS DATE WE DID NOT HAVE POSSESSION OF THE PROPERTY. 
XXXX a text message from property management stating that they appreciated XXXX 's feedback on the notice to vacate form that was completed at the time she turned in her keys. ( SEE TEXT MESSAGE ) XXXXapartment complex lets us know that the lease fell through. I advised that we were not in possession of the property and we would not be driving four hours to get the keys. We did what was asked of us.

I have reached out to the collection agency by email with the attached documents that I am sending yall as well. They keep asking me who I am and being XXXX. They act like they dont see the attachments. When I try to talk to them on the phone all they want is payment. They stated they havent received anything in writing however the email responses are coming back from them and I am contacting them at an email listed on their website if a customer has a concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX website per their request, but it keeps crashing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to claim # XXXX Transunion has violated me by continuing to furnish an account with inaccurate information. The account for XXXX XXXX XXXX is being furnished to my consumer report and the balance is reporting XXXX separate amounts for XXXX, Transunion, and XXXX. I made Transunion aware of this error and the responded that my account has been updated. XXXX XXXX standards were not followed which is resulting in debt parking. This proves no investigation was done. This account needs to removed from my consumer report immediately. If not I will not hesitate to sue Transunion for damaging my character and financial ability through false reporting on my consumer report.
Product: Student loan

I currently have two student loans serviced by Nelnet - one federal and one commercial. I have been paying {$100.00} extra per month on my commercial loan. Once federal payments resumed, I would have thought my extra amount would have covered the federal payment, it is only {$65.00}. Just to be sure, I attempted to call Nelnet to verify. When calling their wait time was over 1 hour. I work, so an hour out of my day is not feasible nor reasonable. I used their 'email us " form online and received the following response, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov. '' They won't respond to emails and who has an hour to sit on the phone? 

Come to find out my excess payment to them was not applied to my other loan and my loan was marked past due. I've not had a past due payment to them in 8-10 years. Thus, this is quite infuriating. They need to be held accountable as a servicer. If they can't adequately service the volume of loans in their portfolio, then a segment of those loans should be moved/sold to another servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including them again. 
Original Creditor : 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 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: Credit reporting or other personal consumer reports

I have disputed XXXX times in the past XXXX months provided a copy of the FTC identity theft report for the account identified as XXXXXXXX XXXX XXXX. The account was identity theft they refused to remove it, even though it has been removed from the other bureaus, and I have provided the prerequisite FTC identity theft report that they have chosen to ignore which is a violation of the FRCA they are provided no investigation information to me at all as to why they continue to leave this on my report. I have contacted XXXXXXXX XXXX XXXX, which is a company that is now gone bankrupt and has no customer service
Product: Bank account or service

I 've filed a complaint against JP Morgan Chase Bank # XXXX. As of XXXX XXXX, there has NOT been a resolution of my brothers ' asset. We have XXXX CD, XXXX with XXXX. Chase has NOT honored these CD 's. The branch offices were unable to process these accounts. After his death, in XXXX XXXX, there were XXXX Investment accounts totaling {$49000.00}. As the Executor of the Estate, I requested to consolidate and cash in these accounts. I was told they could only find XXXX account for {$24000.00}. ( where 's the other {$24000.00} account ) They have the DEATH & the Appointment of EXECUTOR certificate on record. They have removed my named from a CD in XXXX XXXX. The branch office CAN NOT, HAVE NOT helped with these Asset information. " XXXX '' or " In Trust For '' funds are n't estate funds. Who is keeping their records?
Product: Debt collection

Bridgecrest re-opened a closed account without my consent. This account was XXXX  as " Paid in Full '' and account closed on XX/XX/2023. This was confirmed by multiple agents contacted on XX/XX/2023 and XX/XX/2023 as well as confirmed was the title release date. At this time of confirmation i sold vehicle going based on confirmation of agents on XX/XX/2023 though XX/XX/2023. i was contacted via phone by Specialist XXXX  on XX/XX/2023 after i withdrawn CFPB complaint, she stated she was contacting me regarding the complaints and attempted to discuss account situation but call was dropped. In an attempt to see what agent was referring to i was unable to reach her again. As of XX/XX/2023 i noticed that account was re-opened and this is done without my consent nor have i been contacted regarding any re-opening of a XXXX  account. I have provided all documents ( Notice of vehicle sold, Title release request, agent ( s ) confirmation of account status " Paid in Full and closed '', Invoice for payments in accord and satisfaction of said loan, and Promissory estoppel Notice ) all supplied to Bridgecrest via fax and registered/certified mail prior to re-opening of closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX and was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have only been at this address XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Product: Vehicle loan or lease

Spoken to representative on XXXX24. I  notified agent that their reporting of my account is wrong on all 3 credit bureaus. It states my account is closed which is incorrect. States wrong last payment. Account status states repossession which is the wrong account status. I still have the vehicle in my front yard due to I paid the reinstatement fees and the account was brought to current and have also made a regular payment on the account .so the reported balance is wrong. This has substantially lowered my credit profile more than it should be the company 's false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent letters to Transunion to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
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 proce 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 XXXX financial loss, and seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have NEVER been past 30 days late on my  XXXX  credit card and all   XXXX   agencies are reporting a late payment, this is wrong
Product: Debt collection

After seeing a report on XXXX credit bureaus, I contacted Common Wealth Finance XX/XX/2018, I  have requested three times since then for debt validation from Common Wealth Finance. They say each time that they have mailed by usps validation of my debt. They say they also emailed to my acct. XXXX validation of dept. I have never receive anything. I believe I do not owe these debts. Two for {$100.00} and one for {$130.00}. I sent them a certified letter asking for validation of debts. They did not contact me by phone, email, or mail. instead they added the debts to another reporting agency, XXXX.
Product: Debt collection

The debt collector listed have reported debt to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect. These derogatory accounts have lowered my credit score, making it difficult to access essential credit opportunities. The lack of proper communication has caused undue stress and confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my TransUnion report as a result of my dispute. On XX/XX/2020, TransUnion re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' TransUnion failed to notify me of the reinsertion. I was notified through my own credit monitoring software.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account on Experian and XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Dear Sir/Madam : I am disputing the above-referenced debt in the amount of {$210.00} from XXXX, i never been acknowledge of this debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the FCRA, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge, And with original hand signature of its owner. I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Product: Debt collection

There is not now nor has there ever been a consensual contract with this company. No personal information was ever supplied by consumer, the reporting of derogatory account activity to XXXX and any other Credit reporting agency is extremely harmful and fraudulent.
Product: Credit reporting

XXXX XXXX, FL XXXX ( XXXX ) XXXX Use my credit more than XXXX time I would like to remove XXXX them off my credit report if possible Thanks
Product: Credit card

on XX/XX/XXXX there where several charges made to a Credit Card ( we never received ) we disputed the charges since we received a E mail from Wells Fargo of a Fraud Alert. 
XXXX XXXX {$6.00} XXXX XXXX XXXXXXXX Bank {$3000.00} XXXX XXXX Fee {$150.00} Wells Fargo Temporary Credit us these Charges, closed the Account in Question and send us a new Credit card. 
on XX/XX/XXXX we received from Wells Fargo a Letter that more documents are needed and for the Account ( what now has been closed ) to process our claim, we return all documents requested on XXXX XXXX. 
On XXXX we received a Letter from the Claims Department that they believe we did authorise these charges and activated the card from our Home/Business Phone Line and those Temporary Charges would be reversed and applied to the new Credit Card Billing Statement .

We immediately disputed these with the Wells Fargo Claims and Recovery Department and provided Wells Fargo with additional Documentation, we provided a phone log from XXXX XXXX showing that there was never a call made from our Phone to Wells Fargo to activate any card, the log shows that we called on XXXX the XXXX Department from Wells Fargo but no calls where made prior ( XXXX ) when the Card in Question was activated, we showed that on XX/XX/XXXX we were out of Town and vacationed in XXXX Florida attached hotel bill and Venue tickets we attended. We do XXXX in XXXX XXXX, FL but all charges were made out of State where we never been! 
on XXXX we received a letter From Wells Fargo that they continue the research and we will receive a written response, on XXXX another standard letter from Wells Fargo that Wells Fargo Believes we authorise this Charges and as a result the claim has been closed. 
We Objected again and requested Wells Fargo to provide us with ( on the Call with customer service ) with arbitration information or Address where Wells Fargo is accepting Legal Notice, neither was provided. 
XXXX we received final Letter from Wells Fargo believes that we are responsible for those charges and that Fraud Department properly reviewed the claim. 

They stated that in order to get the cash advance what was made at a XXXX XXXX  would require a Foto ID when they process the advance, Wells Fargo failed to provide a copy of the ID what Wells Fargo claim was used The Activating of the Card over the Wells Fargo phone system matches there Records on File with Wells Fargo, the fact that we provided the logs from XXXX XXXX that we never dialed this number was ignored! 

Wells Fargo stated that the Card was shipped on XXXX to our address, Tracking was not provided neither a receipt of such. 

The Fact that we don't even live in the state where all these charges were made and had prove at time these charges we were in XXXX Florida was ignored as well. 

On XX/XX/XXXX I went to the Branch of Wells Fargo to get Arbitration information or to obtain the address where Wells Fargo would accept legal Notice, the Branch ignored all request I got a XXXX XXXX at the branch and XXXX, XXXX was Called and I went to the XXXX  where I was treated
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a fraudulent account from my credit report. As a victim of a recent data breach, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These sections require that credit bureaus block and delete any information related to accounts opened or used fraudulently. 
Fraudulent Account XXXX  XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$3400.00}
Product: Checking or savings account

After nearly 100 days of closing my checking account with Citi Bank, they claim that they do not possess the funds owed to me, suggesting that XXXX should initiate the transaction as they have received the Hold Harmless Agreement. I contacted XXXX, and they insistently deny owing me funds. It appears that both institutions are pointing fingers regarding the whereabouts of my money, totaling {$5000.00}, prior to closure. 
Please refer to the attached document released by Citi Bank. This is my hard-earned money, and there has been no traudulent activity. I have complied with all necessary documentation required by Citi Bank, and today, XX/XX/XXXX, the Citi Executive Response Unit informed me that they will no longer assist me in my case, emphasizing that XXXX should release my funds and communicate with them to help me, which I have done to no avail. XXXX maintains that they do not owe me funds. I have been waiting for my funds to be returned to me since XX/XX/year>. Can you please assist me in initiating an investigation to ensure that I am treated fairly?
Product: Credit reporting or other personal consumer reports

I looked at my report in XX/XX/year> and noticed things that are incomplete and not accurate. According to the fair credit reporting act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX # XXXX is not mine and is not reporting on any of the other credit reporting agencies. 

XXXX XXXX # XXXX is not accurate and not mine. 


I sent a letter back in XX/XX/year> asking them to investigate this matter XXXX XXXX # XXXX I got the investigation back but noticed nothing was modified or updated. 

I also requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7.
Product: Debt collection

Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX  XXXX  debt XXXX  i have supplied proff of this with the documents below requested by law.