23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AFNI has contacted myself regarding an account opened in my name. The debt is {$1100.00} It was opened and used for XXXX XXXX XXXX XXXX XXXX. This is the second time this has happened. The service was provided in XXXX  State of XXXX. I have no relatives in XXXX. I have worked and lived in XXXX  my entire life. I have an account with XXXX XXXX XXXX in XXXX  in good standing for XXXX years. acct # XXXX. 

afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AFNI acct # XXXX Creditor XXXX XXXX XXXX Acct XXXX XXXX This is not my debt. Someone is opening an account with my last XXXX digits of my ss # and old phone number from over XXXX years ago 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 XXXX financial loss, and I seek appropriate redress ( 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported open accounts in collections on my credit report that should have not been. All bills from XXXX where on hold by my attorney pending a lawsuit and all have been paid in full.
Product: Credit card or prepaid card

Multiple large online transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00}. Filed fraud claim with Chase Bank as soon as I noticed these charges. Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and later sent me a letter notifying me that these unauthorized transactions were valid because I received benefit from these transactions???? Around mid XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud XXXX XXXX XXXX. After calling the number, the XXXX said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. They did not provide me with information on what products or services were purchased/provided, nor could they tell me anything about the charging merchant ( only that they had my information such as name, email, phone number, etc ) and they want ME to PROVE I did not make these FRAUDULENT ONLINE transactions???? I filed a police report, I contacted the charging merchant who would not give me any information about anything, and now Im stuck with over {$12000.00} of credit card charges that I didnt do!!!!
Product: Vehicle loan or lease

Ive had this car loan a little over a year now. When I made My XXXX payment I noticed my payment was showing past due. Ive made all my payments ahead of schedule and never missed a payment or been late. I called Ally auto on three separate occasions to resolve this issue. The Ally operators can barely communicate, but did manage to explain my account would be updated to reflect the current status and any late charges would be waived. They were experiencing trouble with their website. That was three months ago and now I cant even contact them online or by phone. I get a message for high call volume and no one responds to my online queries. I am so sick of this kind of treatment. I work hard to be on time to pay my bills and creditors. I dont need predatory companies and tactics, sabotaging and holding my credit hostage. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( ACCOUNT NAME : XXXX XXXX ), has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive tried contacting this company several times through the mail and CFPB And nothing gets rectified they say they done a full investigation and put the same numbers back on my credit report and say its updated
Product: Credit reporting

EQUIFAX SHOWS A BALANCE FROM XXXX XXXX OF {$160000.00}. XXXX XXXX SHOWS A XXXX BALANCE. I WON A COURT CASE AGAINST XXXX AND THERE SHOULD BE NO BALANCE. I 'VE ASKED THEM SEVERAL TIMES TO REMOVE IT BUT THEY REFUSED. THEIR REPORT SHOULD ALSO SAY IT IS FORECLOSURE REDEEMED NOT " FORECLOSURE ''
Product: Mortgage

My mortgage was sold to Regions bank during the first year of having it. I wasrequired to sign up for a new online account with a bank I wanted nothing to do with in order to maintain my mortgage. Early on this wasn't that much of an issue, but in the last year Regions has become more aggressive using my personal information in attempts to try and sell me services that I do not want or ask for even though I have reported to them many times that my information is not for them to use as they please. I have asked multiple times to be removed from any and all lists that do not pertain directly to my mortgage statement and while I am assured every time that this has been done, I will receive something else the next month. They also don't provide any means to unsubscribe from their mailing lists in the emails I receive. I want this harassment to end.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX on XXXX that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast 20 - 25 years. However, the full balance is still showing on my credit reports at Equifax, XXXX and XXXX.
Product: Checking or savings account

I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 then records of convictions of crimes which antedates the report by more then 7 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

In XX/XX/2019 there was a collection added to my credit report by XXXX XXXX XXXX, XXXX, Tn. for {$1100.00}. This was not my bill, so I contacted the collection agency and asked them to remove this from my credit report. They did not remove this collection, but they decreased the amount to {$150.00}. I wrote to all three credit bureaus for dispute and investigation. XXXX XXXX and XXXX  removed the collection immediately. I did not hear back from Equifax, but I had assumed it was also removed. Equifax sent me a letter stating they would not remove the collection. Since I know this is not my collection, I wrote back and asked for a reconsideration and to provide proof that this account was mine or immediately remove the account. Equifax never got back to me and the collection remains to this day. 
I have been denied credit twice in the past few months and when I looked further, both denials were directly related to the collection activity on my Equifax report. This collection remains open on my credit report, and no statement of dispute. 
This collection should have been removed from Equifax a year ago, when the other credit bureaus removed the collection. I know it is not legal for a collection that is not mine, and there is obviously no evidence it was ever mine, to stay on a credit report. This has harmed me by getting credit denied and credit score lowered.
Product: Credit card

I brought a bed from Sleepys on credit. The credit was provided by Synchrony Bank. The amount of the purchase was {$400.00}. As soon as I bought the bed, I scheduled online monthly payments from my bank account on monthly basis on the XXXX of every month adding up to {$400.00} within the time period I was responsible to make the entire payment without an charges. However, now that I go and check I am charged late fees. I contacted the bank on XXXX/XXXX/15 and I was being told that I am charged for prepayment because the system does not recognize the prepayment and instead of applying against the amount due for {$400.00}, it has been applied against the minimum monthly amount due. I am being charged {$120.00}. I think that I am being cheated despite the fact that I have made total amount due.
Product: Credit card or prepaid card

On XX/XX/ I wrote a letter to XXXX  explaining the financial hardship I'm going through due to loss of a family member and helping with funeral cost. I asked them to accept a reduced payment for the next 2 months on my debt starting XX/XX/XXXX.I stated that I was not able to meet the current payment of {$160.00}. I will pay you {$50.00} per month during this emergency starting in XXXX. And I also asked if they could not send my account into collections and stop interest. The company has responded but did not state that they would assist me during my financial hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it USPS to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection under 15 USC 1692 ( c ) Dear Sir/Madam, I am writing to formally dispute information contained in my credit report as provided by your bureau. This letter is a notice of dispute under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I have noticed that my credit report contains inaccurate information regarding a debt from XXXX, account number XXXX. According to 15 USC 1692 ( c ), I have the right to request validation of this debt, and I believe the reported information is inaccurate for the following reasons : 1. Nature of the Debt : Debt not owed. 
2. Statute of Limitations : Debt is beyond the statute of limitations. 

To resolve this matter, I am requesting that you : 1. Investigate and Verify : Conduct a thorough investigation of this disputed account. 
2. Remove or Correct : If the information is found to be inaccurate or unverifiable, please remove or correct the information on my credit report. 
3. Confirm in Writing : Provide me with written confirmation of the actions taken regarding this dispute. 
I expect this dispute to be investigated under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and FDCPA, and to be resolved promptly within the 30-day time frame required by law. Failure to comply may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and keep me informed of the status of your investigation. 

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

I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

An a PayPal credit line was opened fraudulently in my name in XXXX of XXXX. They used my phone number and personal info to do so. In XXXX of XXXX when I discovered the fraud I called PayPal to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from PayPal for months and when I called back to check in I find that not investigation was started so I file one again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My PayPal account was completely deleted so I didnt have any access to the PayPal credit account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if one of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time, I paid the current insurance policy to XXXX ( Caine Weiner ) in full to date. There should have never been any credit reporting for unpaid bill on my account. The company reported that I opened the account XX/XX/XXXX, the reporting was for XX/XX/XXXX. 

I have proof that I was in contract with an alternate insurance company the date Caine Weiner claim I opened the account ( Please see attached document ). Reporting on the account is false. I have a receipt for the services of Caine Weiner ( XXXX ) paid in full. The company is attempting to force me to pay for services not rendered. Please see attached documentation. 

Please remove account from my credit reports as it is adversely affecting my scores and it is proven to be false with attached documentation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report then I noticed that fraudulent accounts exist on my report. Please remove these accounts as they are hurting my ability to obtain credit.
Product: Debt collection

Cedar business services Original creditor XXXX XXXX XXXX Date open XX/XX/year> Balance XXXX. 
I have contacted the company informed them that the best wasnt mine and I also submit my FTC Report # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have been identified as a XXXX XXXX XXXXXXXX XXXX. Per 605C please remove all items listed on attached document list.