23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.
Product: Checking or savings account

XXXX XXXX XXXX I responded to an ad on XXXX to rent a one bedroom apartment and got a respond back about the apartment from a person named XXXX XXXX and confirmed he and his wife were the owners of the apartment but needed to move to a bigger place and was rentin this apartment out. 

He indicated the rent was a {$1000.00} with a security deposit of {$500.00}. He called and I spoke to him and he assured me everything was OK. I made a deposit ( into his wifes Wellsfargo account which he gave me the account details of ) of {$500.00} on the XXXX of XXXX XXXX with the anticipation of paying the remaining balance on the XXXX of XXXX and move in on that same day. I made the deposit on the XXXX and called XXXX and he informed on the call that the apartment was being cleaned, after about an hour and no call back from him I called him and he wasnt picking up my calls and eventually my calls were blocked. I realized I had been scammed. I then went to the XXXX XXXX police department to make a complain and also called XXXX Fraud line where I was informed to stop into a branch to make an official complain. I went into the Wellsfargo balance on XXXX XXXX XXXX # XXXX where I spoke to a representative named XXXX to see how I could recover my account and was told there is nothing they can do and the fraudulent account had been flagged. All I want is to recover my {$1500.00} from the fraudulent account that Wellsfargo opened.I have information of so many other accounts that Wellsfargo opened for these scammers. I have all the details of all the transactions, account information, police report and lease that XXXX sent to me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable abounds unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where, XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as XXXX inaction violates federal law and may rights as a consumer.
Product: Debt collection

I have received several phone calls- in which I was informed would be recorded. I have been very cordial with the people calling. I have stated several times that the debt has been paid and the amounts they were asking for was indeed from one purchase. I have posted a disputed and have uploaded copies and documents for my case several times on their website. Even to this day I have received several physical letters with different reference numbers each time for the debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain Financial Gr. on XX/XX/2019 lured me into checking to see if I prequalified for a loan and stated it would not be a hard inquiry on my credit report, and it clearly was is a hard inquiry on my credit report, which has now had an effect on my credit report
Product: Credit card or prepaid card

Someone fraudulently opened a Bank of America credit card in my name. It was sent to my home address and I also received a text message, which means they have my phone # too. I want the credit inquiries removed from my XXXX XXXX XXXX credit reports. I have called them already. Luckily the card got sent to me so I was able to call Bank of America and have it cancelled. But it's extremely concerning someone opened this card in my name and Bank of America obviously didn't ask for any ID.
Product: Mortgage

I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, XXXX, AND EXPERIAN. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well
Product: Checking or savings account

On XX/XX/XXXX, USAA reversed a temporary deposit credit of {$60.00} from a poorly handled dispute opened on XX/XX/2018 On XX/XX/XXXX, they submitted another credit reversal for {$60.00} leaving my account {$48.00} negative. I have tried earnestly to reach someone with USAA dispute department to no avail. There were multiple representatives handling my personal information and I know this dispute has been handled poorly and unprofessionally. I would like them to return the {$60.00} they inadvertently took and close this dispute so I can leave USAA entirely. This is the second complaint I have made regarding USAA handling of my accounts and the dispute department.
Product: Debt collection

I received an alert from my credit bureaus saying that I have a collections report from a company named Credit Management XXXX XXXX This agency states that it is attempting to collect a debt on behalf of XXXX XXXX for a past due amount of {$160.00}. I tried to contact this agency to no avail. I then contacted the creditor for which this agency stated that they were acting on behalf which is XXXX XXXX. XXXX XXXX representatives stated that they do not have my name or personal information ( SSN, Driver License Number, Addresses ) in their system and therefore advised that this may be a false account. This has severely impacted my credit score which I have worked very hard to maintain. I do not have any contract or agreements with Credit Management XXXX XXXX  or the creditors for which they are representing and therefore am requesting that they remove my information from their system and correct their report. 

Credit Management XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Phone Number : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps Comments ments Ve my personal information from this description but someone Comment still be able to identify me.

Learn how it works. I consent to 25
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX XXXX REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX  AMD XXXX  STILL HAVE NOT RESPONDED TO MY REQUEST AND EQUIFAX RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION XXXX ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX  XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX  XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX  XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}
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 platforms, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Account info : Account number # XXXX Open/closed : Closed Date opened : XXXX XXXX XXXX Account type : Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX XXXX XXXX services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX XXXX XXXX services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$1100.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
Product: Debt collection

This is pertaining to complaint XXXX-XXXX. All this information you provided in the previous response is irrelevant at this point. I am for one a SHE and not a HE. I am exercising my consumer rights and you HAVE NOT provided me with the correct validation documents requested. Please provide me with the requested validation documents in the attached letter below via mail. If this information is not provided i will have to take this to litigation and also file a complaint with FTC and my local attorney general 's office. I am keeping really good records of all my requests and documents and will use them if this has to be taking further. I would hope that you will honor my rights as a consumer as well not violate the FDCPA and provide the request information. If this can not be provided simply Remove it from my credit profile. A generic letter or itemized bill is NOT sufficient enough for validation. Please see attachment. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX details 0 % paid off Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$2000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed THE DATE IS NOW XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Mortgage

My mortgage was sold/transferred to BOK Financial on XX/XX/XXXX. I called BOK Financial on XX/XX/XXXX @ XXXX and spoke with someone named " XXXX XXXX. I told him as of today my mortgage is not showing on XXXX, XXXX or XXXX and I needed to know why it wasn't showing up. He said he could help with that and then he hung up. He did not call back. I called back at XXXX on XX/XX/XXXX. I did not get the lady 's name. She said the mortgage was not showing on the 3 credit bureaus because BOK Financial got the mortgage on XX/XX/XXXX and had a 60 day grace period to report. This means the grace period ended on XX/XX/XXXX and the reporting would start XX/XX/XXXX. I have had 5 mortgages in the past, 3 have been sold to other companies and they all reported to the credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed to XXXX XXXX 15 USC 1681 governs access to consumer credit report records. I have filed form XXXX with the XXXX The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, Equifax and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) See attached Credit Report and Identity Theft FTC Report
Product: Debt collection

I have asked numerous times to have Money Recovery Nationwide remove my collections off my credit reports. To which they respond they do not do removals. 
I made a payment arrangement to have these collection tactics stopped and reported every month. I am disclosing why Money Recovery Nationwide is wrongfully posting these collections on my credit reports, and also how MRN is collecting on accounts that are not valid. 
First off a new balance is added to my credit report as a " New Collection '' instead of updating a current balance. When I have contacted MRN they tell me they are new accounts that are going into collection and they have to report them. 
I only have XXXX accounts with XXXX XXXX Hospital ( See attached documents ) The letter of verification MRN sent me has numerous account # 's and none of these numbers are matched up to my XXXX XXXX XXXX account #. ( Attached are documents ) My accounts # 's are XXXX and XXXX MRN has Different Account # 's on the Verification of accounts all XXXX of them. 
Also I am attaching a Bill MRN says is from XXXX Hospital ( who the debt they are collecting on ) As you see, it says Guarantor account # is one of the numbers with my XXXX account. Which is how my account is setup through XXXX which I verified with the XXXX XXXX. The other discrepancy in this bill is that it is fake, I will find the original bill and show you if needed that XXXX Hospital Billing and accounts are in XXXX Michigan and not XXXX Michigan. This was verified by XXXX XXXX themselves. They do not have any offices in XXXX Michigan. MRN is out of lansing they explained. 
If MRN continues to argue that my accounts are separate and do not remove my collections. I will have to take further legal action and I want to avoid this. 
I was never notified that MRN was going to collect on these debts, I was only notified when my Credit Report showed them. 
I want all these debts removed immediately.
Product: Money transfer, virtual currency, or money service

Someone used my card at XXXX XXXX for a pick up purchase. I disputed this with Goldman Sachs and they resolved the case in the favor of XXXX XXXX. I requested the evidence XXXX XXXX submit it to support that I made the transaction, and they sent me paperwork suggesting that XXXX XXXX had taken a copy of my ID, but never supplied me with the copy of my ID. I contacted Goldman Sachs regarding this on two separate occasions at both times they reasserted the dispute but then decided again that XXXX XXXX was right. XXXX XXXX has yet to supply the actual proof that I completed this transaction, they only state that they have the proof. Goldman Sachs has not required them to submit the proof.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of XXXX and XXXX  days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment. 
Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.