23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number documented in attached letter.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

XXXX credit agency has violated my rights as a consumer in regards to reporting inaccurate, outdated and misleading information about me. 

i tried contacting the company in the form of a dispute but my pleas have been ignored i informed the company that they are reporting outdated and inaccurate information on me and i asked them to correct the information because its affecting my credit worthiness the company has XXXX different names with different spellings XXXX different addresses my deceased husband is still listed on my report causing me XXXX and XXXX XXXX, XXXX different employers and literally hundreds of inquires that i never applied for, i explained that i was affected by the XXXX data breach and that my information was compromised and requested that they delete any inquiry that isnt attached to an open active account
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Experian has yet to validate a debt that is reporting on my credit report, in spite of documentation that suggests the item being reported is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. 

They claim the documents and loan originated from an IP address that is not in service anywhere near where I live and work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the Experian credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
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, credit repair services, or other personal consumer reports

THE BUREAUS ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

While collecting records for my personal expenses, I noticed that I had previously cancelled credit monitoring services through Experian through their " XXXX XXXX '' program. Since then, they have obfuscated their publicly accessible records in their online member login page. Phone calls do not reach a live representative, there is no email contact available, and self-help services do not allow me to request previous billing history. This is deceptive and harmful as I do not have any reasonably simple method of retrieving these previous transactions and was NEVER notified by email how much and when I was charged. I was ONLY notified once the monitoring service was cancelled when I had been paying monthly for this service. I have the cancellation confirmations as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but I do not have any start date confirmations making it impossible to know how much I was charged for each subscription. Their publicly available phone number for membership matters does not connect to a live rep and simply hangs up after requesting a live agent multiple times for such a simple request.
Product: Mortgage

On XXXX XXXX, I went to local US Bank branch to make an extra mortgage payment. It was at the branch that I was informed that I had filed for Chapter XXXX Bankruptcy. This was something that I or my wife never did. After playing phone tag games with the Banker, Mortgage, and Bankruptcy departments, they say they would look into it and I had to wait 7 day till XXXX XXXX. Supposely a letter was sent out to me on XXXX XXXX. - the same day that I filed for bankruptcy. On XXXX XXXX, no letter arrived and I called back to US bank bankruptcy hotline to check on the status. According to them, work orders were filed but they could n't tell me anything how this happened with all their safeguards. On XX/XX/XXXX..I called them again and I keep getting a different story. I have ask written proof of the bankruptcy to be send by email or overnight certified mail. Their response was I had to wait till the claim was investigated but could n't tell me when this would be. Nothing has been resolved or explained to me. Currrently, I have not received or seen any written proof that I have filed for bankruptcy. I ca n't understand why this taking so long when it was n't my fault, but the bank 's fault. They have all my information and the records show that I am current. 

To me, this is not only about money but also justice that needs be justified and solved in a righteous way!
Product: Bank account or service

I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX
Product: Debt collection

credit systems international debit recovery put an open charge off with no bill ever from 2013.
Product: Credit card

I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back.
Product: Payday loan, title loan, or personal loan

A company called Wise Loan is taking payments regularly out of my account. I was diagnosed with XXXX recently for XXXX month. I received an alert that a late payment was on my report. The company is continuing to draft my account for payments every XXXX weeks. I have NOT missed any payments. I am XXXX XXXX XXXX and unable to log into my account. I have not been sent any notice of a XXXX day delinquency and they keep drafting my payments. They are now claiming I owe over XXXX even though I have paid XXXX. This fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I held an American Express corporate card as an employee XXXX until XXXX XXXX, 2014 when XXXX XXXX was acquired. I paid the balance to zero and cancelled the card upon the acquisition. American Express did not cancel the card despite my request. In XXXX, American Express billed me a membership reward fee. I called and indicated this was in error because the card had been cancelled. Again, they indicated they would cancel the card. They did not do so. I received more statements including interest fees on the membership reward amount. I called again to ask them to cancel the card. They did not do so. Finally, today, I received a phone call from their collections department for the {$91.00} for the membership rewards payment. I again, requested that the card be cancelled and the fee be waived. American Express refused to waive the fee and it is unclear to me as to whether they have formally cancelled the card.
Product: Debt collection

I have to many bills, and they are stacking up on me, i was doing good, paying on time.I had to consolidated my bills, im willing to pay it off, if I can get student loan reduce to half of payment.
Product: Mortgage

Per my previous 2 complaints, Mr cooper has been harassing me via phone and text for months. I just receive another automated text, even though I was told they would ensure I would not receive any more automated contacts.
Product: Debt collection

My chase card account was used fraudulently and it was deleted of my credit report and now its showing charged off witch still affects me. My chase card balance Should not have been sent to collections and charged off when there was fraudulent transactions and activity done with out my permission or my knowledge and I want the chase card bank to clear me from the debt. I should not be held responsible to pay off a account that I did not use. Most transactions were canceled but I never received the return payment after cancellation was processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX XXXX XXXX XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 checked my credit report and found out this account does not belong to me and I didn't authorize to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX date : XXXX,. this information is incorrect I found on my credit report from myannualcreditreport.com, XXXX has removed it from my credit profile and I am requesting Equifax to remove and delete it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.
Product: Debt collection

Case # XXXX XX/XX/year> Hello Hope this message finds you well My name is XXXX XXXX XXXX am being sued by XXXX XXXX XXXX i have no knowledge of this account in fact it has been deleted from my credit report i have attached documents of my credit report for you to view I hope this matter will be cleared up thank you for your time in reading my message and any help or guidance you may offer they are trying to extort {$1500.00} from me Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Division XXXX XXXX XXXX ; Section : XXXX XXXX ; Court Location : XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Tromberg, Morris & Partners, PLLC Mailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Local Phone : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX
Product: Debt collection

I am called daily between XXXX and XXXX XXXX everyday. I do not have a student loan. There is nothing on my credit report. I can not respond when they call because they use a call back number and I am skeptical of returning the call.
Product: Debt collection

I am disputing an account that is 11 years old and was charged off by XXXX in XXXX 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving XXXX XXXX account vulnerable and unprotected. 
XXXX 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 account. 
( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 financial loss, and I seek appropriate redres- for these violations.
Product: Money transfer, virtual currency, or money service

PayPal closed my account as of XX/XX/2021. They have since not been helpful with getting my account unfrozen and delaying my withdrawing. They are asking 180 days for me to withdraw my money from my account. I have sent them pictures of the item that I sold which is a Gpu ( computer part ) and is retailed at {$2400.00} and sold it on XXXX for {$3900.00} as this computer part is very very hard to get. After fees I have {$3700.00} in my PayPal account. My reason for this complaint is that I need my account restored and be able to transfer the money from my PayPal account tp my bank account. My email linked to my PayPal account is XXXX. My PayPal @ is XXXX. Please help me resolve this as soon as possible.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Debt collection

At XXXX XXXX  EST I received a call from " XXXX '' who identified themselves as being from BCA financial services. They said they were looking for me for some information about my XXXX year old son Believing I was being contacted by a debt collector I asked XXXX if they were a debt collector and informed them that they were legally obligated to tell me if they were. They refused and told me they could only discuss further if I was willing to " verify '' ( this is neither legal nor the case ) I refused to provide the information they asked and so the phone call ended I called the office back at XXXX XXXX  on a recorded line and explained to the person on the phone what happened and that it was illegal. The person who received my call also refused to say whether or not they were a debt collector and repeated the statement that I needed to " verify '' for them to discuss further. I verified my name and birthday which they said was incorrect ( its not incorrect I'm just not the person they're trying to collect a debt from ) I asked again on the recorded line if they were a debt collector and they refused to answer
Product: Credit reporting or other personal consumer reports

I have requested a copy of my consumer report and for early warning to put a security freeze on the sharing of my nonpublic financial information.

Any consent that may have been given to Early Warning to share my information with 3rd parties has been revoked.

Early Warning is a consumer reporting agency and must follow the regulations of 15 USC 1681. Failure to comply after receiving this will be willful noncompliance.
Product: Mortgage

My taxes went down in my county and my house Insurance went down also, yet the mortgage company increased my monthly payments. 
Also, my home Insurance is only XXXX I would rather pay that lump sum. Im not sure what amount the lender has I called several times and no one seems to know. They are saying if its wrong its in an escrow account. I havent seen such escrow account and why not put the Insurance and taxes at the correct amounts? I would appreciate clarification. 

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

I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXX, but it has been transferred many times. On Transunion, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to Transunion, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXXXXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.
Product: Student loan

I feel as if I was over charged and constantly harrased with letter and phone call from Navient. Why was my loan even sold to another company I 'm still so Unsure of that also? Then the late fee 's and interest are just way to high this is not what I started off with when I had XXXX. I am on fixed income ssi every month there is no way I can afford these interest rates they are NOW applying on my account.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I attempted to buy a gaming ticket at XXXX XXXX XXXX through the XXXX ATM. My transaction was declined with the message that my daily limit was reached so I did not receive a gaming ticket. I then tried to do a cash advance and received the message that I had insufficient funds. I checked my balance online through CashApp and it showed the original transaction for the gaming ticket was processed which was a {$20.00} gaming ticket and {$5.00} in fees for a total of {$25.00}. 

I industry went to the cashier cage at the casino and a manager checked the digital transaction on the ATM machine which shows exactly what the screen had shown me. It showed the purchase of a {$20.00} gaming ticket and {$5.00} in fees as being declined by my bank ( CashApp ) due to exceeding my daily limit. They told me they were auditing machines later on and to call after noon. 

I called after noon and was connected to XXXX where they verified that CashApp declined transaction so that I received nothing and that I would have to dispute with CashApp. 

I opened a dispute with CashApp and provided the pictures I had of the ATM digital register I was allowed to take that night. ( Attachment 1 ) I was disappointed when CashApp denied my dispute. I requested what they used for investigation and was provided a simple transaction line that said transaction was processed correctly. ( Attachment 2 ) I called XXXX again in case something changed on their end, they once again verified that they didn't not receive anything for transaction because CasApp denied the transaction and due to that I never received anything. 

I redisputed with CashApp by phone and online many times and asked to speak with managers. 

This was due to the fact that THEY COULDNT HAVE CONDUCTED A PROPER INVESTIGATION BECAUSE THEY DID NOT CONTACT EVERI WHO WOULD HAVE TOLD THEM THERE WAS NO TRANSACTION PROCESSED IN XXXX 'S END BECAUSE CASHAPP DENIED. 

All I got was the same response from cash app over and over. They took my {$25.00} and refuse to give it back when all parties ( myself, XXXX ATM, and XXXX XXXX XXXX ) all state that CashApp declined the transaction and that I received nothing