23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom I t May Con cern, I am writing to this office becaus e two years ago I discovered that my mother had taken out a private student loan in my name   through   XXXX   XXXX   more than 10 years ago. It was a {$5000.00} loan that has ballooned to almost {$20000.00} now. This is the ONLY private loan on my record because I was always diligent to never take out a private loan because of their high interest rates.     My loan has been repeatedly sold to different collection agencies and I constantly explain to them over and over what happened. Each agent would advise me to get a police record but I did not want to do that for several reasons :  1. The statue of limitations 2. It 's my mother 3. My  mother was diagnosed with  XXXX   XXXX  in  XXXX  and can not be held liable for anything. Unfortunately to make it even worse she just passed away in   XXXX   XXXX  .     I want to get this off of my record and I want these  collectors to  stop calling me but I do n't know what to do.I filed a Chapter  XXXX  bankruptcy in   XXXX  . I think Navient now holds this loan. I would employ a lawyer but I ca n't affor d one. Can  someone from this office help me?
Product: Credit reporting

I gave Equifax online dispute site the information required. they asked XXXX questions of which I checked " none of the above " to all as nothing applied to me. then they wanted me to fax a copy of my drivers license, I have n't had XXXX in 20 years and do not ever plan on getting XXXX. I have had some issues with identity theft in the past, but was caught before any damage occurred, by my bank. So I do n't know how to deal with this item that say 's it 's a " Legal Issue ''
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on ( not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that 0 payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and am mailing a certified letter to the PO Box on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 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 did not authorize the local branch to do an hard inquiry on my credit report
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt. I am asserting that a debt collection attempt made by XXXX XXXX XXXX, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. Despite being approached by XXXX XXXX XXXX, regarding an alleged debt, l lacked prior knowledge of its existence and was not afforded the opportunity to contest it. Per 15 USC 1692g, debt collectors are obligated to furnish consumers with a written notice within XXXX days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand XXXX XXXX XXXX, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

Attached is proof of request of validation of debt via certified mail sent on XX/XX/year> by myself and received by XXXX & XXXX on XX/XX/year>. As of today XX/XX/year>, 30 days to validate debt has passed and I have not yet received any validation. If validation has been sent, please furnish a certified mail receipt.
Product: Money transfer, virtual currency, or money service

I am filling a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Customer Financial Service Act ( CFPA ). Specifically Cash App failed to take timely and 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 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 violatons.
Product: Payday loan, title loan, personal loan, or advance loan

Hello! XXXX XXXX giant mistakedefinitely need some advice. Ive now learned that my state of MA doesnt allow payday loans but I was able to get this one when under extreme duress this summer. It was a {$630.00} loan with a 700 % interest rate ; once I was finally forced to pay it back in full, because I couldnt afford not to, that day included a previously scheduled payment AND two other payments, one of approx {$130.00} and one of approx {$650.00}, but paid abt {$2000.00} back. I called to complete the loan and was told I had to pay all of it, there would be no inclusion of the previously scheduled payment of approx {$85.00} that was taken out that day, and no they wouldnt cancel the original loan and return the insane interest difference. I am no economist or super well educated finance-wise but Ive made it 40 years without this big of a mess and that includes student loans taken out at age 18. Ultimately, I believe I was swindled, with dubious consent ; this is an expensive option emergency loan originat [ ing ] on Tribal Land. Can the loan made and repayments made be canceled/refunded on the grounds of, perhaps, my ignorance of that law? Was it illegally supplied to me, in the first place? Or is it moot because of the Tribal Land point and theres a loophole they can use? Please help me, I dont believe this is something companies are allowed to do to, I assume primarily, low- and middle-income folks who are likely in a very tight situation ; these lead to an impossibly tight and demeaning situation and I cant not say something. Thank you!
Product: Debt collection

HI WAYPOINT RESOURCE GROUP / XXXX XXXX XXXX # Account Number XXXX ; Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a medical bill opened at XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX, a cable/phone account opened at XXXX on XX/XX/XXXX, a cable/phone account opened at XXXX XXXX XX/XX/XXXX and a collections account opened at Progressive Insurance on XX/XX/XXXX with a balance of {$50.00} that appears related to the aforementioned car insurance account fraudulently opened at Progressive. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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

I am filing this complaint on my own behalf to address an issue concerning fraudulent personal information and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Debt collection

Woman debt collector XXXX XXXX from Caine & Weiner from Kentucky. calls my home before XXXX XXXX XXXX time asking me questions about owning a company. I told her to please remove my number from the call list and that it is illegal to call my home before XXXX XXXX she starts arguing with me. She said that she can call and it is not illegal to call my residence. In a few minutes she called back again and hangs up. I then called her back and she begins to argue with me. Illegally calling my home early in the morning is harassment and if this is their practices this must STOP.
Product: Credit reporting

ALL XXXX of my credit bureaus have my maiden name listed. I have gotten married, got divorced from my XXXX marriage, and got remarried this year. These people need to listen and change my XXXX name!!!!! My maiden name is no longer valid!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

On XX/XX/2021 NATIONAL CREDIT SYSTEMS responded to my complaint and this is my rebuttal and I am filing another complaint in regards to their debt collection practices. I have repeatedly requested the five required pieces of information pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act, and this debt collector has repeatedly denied me of this right. They have not sent me any documentation to properly validate this alleged account, instead they have sent an invoice that states the funds are to be paid to my husband. When we initially received this information it was very misleading because he thought he should be expecting a check and not that we owed anything. Also, after speaking to a supervisor at National Credit Systems she advised that they had sent multiple documents through the mails advising that we owe a debt and the information needed to pay or settle this alleged debt, which violates 15 USC 1692f ( 7 ). She also advised that they sent three letters to the address of the apartment complex of which they are collecting on the behalf of, which proves they did not do their due diligence regarding this alleged account and has reported fraudulent, invalidated information to my husband 's and my own credit reports. As a result this has harmed our reputation and violated our rights as consumers to privacy.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I do have a record of all email conversations with the Company Coinbase. 
XXXX XXXX 2021 XXXX was moved from my Bank XXXX XXXX checking account to Coinbase for a purchase of virtual currency Coinbase has this as an XX/XX/XXXX transaction.. 
-I informed Coinbase that I do not wish the transaction it turns out that the transaction as well as an earlier XX/XX/2021 transaction.was an automatic weekly withdraw they claimed I set up. 
-I have no recollection of this. There is no record my initiating automatic withdraws on my account at Coinbase.com. 
XXXX requested a refund for the XX/XX/2021 transaction and received an email that reclamation of funds was in process then on XX/XX/2021 received an email stating that their recovery of funds was complete. They stated my transaction was a failed transaction. 
-Yet my {$1000.00} was not in my checking account nor in my Coinbase account. I inquired about this to their support and would receive emails stating give them two weeks s few days later I would receive an email stating we hope you are satisfied with our action no explanation no action taken. This happened numerous times. 
-Finally I learned of their service for customers unsatisfied with their support team they were a little better and explained that the funds recovery were for funds they deposited while awaiting my funds to arrive.

-They also said in another email that my bank reversed the transaction and they never received my funds. After discussing with Bank XXXX XXXX they assured me that the funds were sent to Coinbase and the transaction was not reversed.

When I informed Coinbase of this they stated to send them the bank statement I did send the statement along with my XXXX showing the funds were sent to them and no reversal of the transaction. 
-Coinbase then sent me an email stating the funds were applied to my Coinbase account. I then requested my {$1000.00} that was still missing with their own words stating they applied the money to my account and received an email stating they hope I was happy with their service and they were closing my case. 
I requested to talk by phone Coinbase stated they do not make outbound calls as frustrating as my money missing perhaps equally frustrating is their insistence on not discussing matters by phone. This has only resulted in a frustrating email stating we hope you are happy or satisfied or something along those lines and closing the case while doing nothing.
Product: Debt collection

I disputed an account From XXXX XXXX XXXX XXXX and it was removed in XX/XX/2019 it was added back to my credit report XX/XX/2019 I disputed it again and is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. .I disputed the accounts with XXXX, XXXX , Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED XXXX
Product: Checking or savings account

I have now spent two weeks trying to set up transfers between Bank of America and XXXX. I am a gold preferred client with BofA and have been their customer for 27 years. The problem ( admitted by one of the Bank of America XXXX ) is/was from BofA 's side. I have tried their website ( many attempts ), emailed, called, and gone to the local branch. At first they blocked my account for a week and a half. While the block has been removed, I still can not set up this transfer. I tried doing it, somewhat successfully, from XXXX 's side ( took a minute ) but this did not seem fully recognized by BofA ( stated it was inactive ). Today BofA 's rep had me delete this from my account, and had me go through exactly the same steps as I had before, with exactly the same results. Except the link I had established is now gone, as well as another half hour of my time ( I estimate time lost to be 5 and 1/2 hours at this point ). BofA continues to try to blame XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute inaccurate personal information appearing on my credit report provided by Experian. After reviewing my report, I have found the following discrepancies that I believe are incorrect : NAME : XXXX XXXX XXXX ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the **Fair Credit Reporting Act ( FCRA ) **, I am requesting that you immediately investigate these discrepancies and remove any inaccurate information that can not be substantiated. The accurate information is as follows : - **Full Name** : XXXX XXXX XXXX - **Current Address** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Date of Birth** : XX/XX/1990 - **Social Security Number** : XXXX I am exercising my rights under the **FCRA**, which mandates that you correct or remove any inaccurate or incomplete information from my credit report. As per the law, if the disputed information can not be verified, you are required to delete it. 

Additionally, I want to emphasize that under the **Consumer Financial Protection Bureau ( CFPB ) ** guidelines, any inaccurate reporting that is not promptly and adequately addressed may result in further action. As outlined in **CFPB regulations**, failure to correct or remove inaccuracies within 30 days is in violation of consumer rights and could lead to legal action. 

For your reference, I have attached copies of documents that support my dispute, including drivers license, utility bill, and Social Security card. I respectfully request that you conduct a thorough investigation and provide me with an updated copy of my credit report once the dispute is resolved. 

Under the **FCRA**, you are required to notify me of the results of your investigation within 30 days. Should you fail to respond or fail to correct the inaccuracies, I reserve the right to escalate the matter to the **CFPB** or take further legal action to ensure my rights are upheld. I am also exercising my rights under the XXXX, XXXX, AND FDCPA. 

Please send me a written confirmation of the actions taken in response to this dispute, along with a copy of my corrected credit report. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to Equifax consistently responding within 24 hours, the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act of FCRA 15 U.S.C.1681, which mandates a reasonable investigation of disputes. Furthermore, equifax 's actions may also contravene the consumer financial protection act cfpa, 12 u.s.c. 5536 ( a ) ( 1 ) ( a ) ( b ), as highlighted in CFPB 's recent administrative proceeding ( file no. XXXX XXXX ) against them for similar violations. I request the CFPB take action to ensure equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I ended up misplacing my phone on XXXX XXXX 2023 at XXXX and at XXXX 2 charges came on to my cash app card account that made these transactions to this unknown merchant and I could not access my phone until 2 days after the second charge went through on XX/XX/XXXX at XXXX. Through XXXX XXXX XXXX my phone was declared stolen and an unknown and unauthorized charge was made through my cash app card to another merchant. Once I eventually located my phone on XX/XX/2023 at XXXX, majority of my cash app account funds were gone and I sent in many disputes to get my money back and cash app has declined them all saying the transactions were unauthorized even when I reported the transactions a scam and a fraud since it wasnt actually me who sent the money but an unknown person using my device sent it. The result of my constant disputes and frustration at my lost money cash app has closed my account and I never received my money back. I even sent a request to the merchant who received my money and that merchant declined it. Twice. So cash app has shut down my account for no reason and would not provide me a reason why. I would like my account ( ending in XXXX ) reopened and my money refunded.