23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On checking XXXX XXXX, XXXX XX/XX/2018, there was a new derogatory report filed at the page : Derogatory Account Southwest Credit System XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2018 from XXXX  Once again, a cheesy, sub-par debt collection agency utilizes the credit monitoring system in order to harass and intimidate those who are struggling to maintain what little positive credit score remains after a major financial setback. If it had any capability at all in collecting the debt, it would not need to resort to blackmail in order to achieve its goal. In the first place, the debt was not owed to the company listed but from a third-party source that knew well the risk involved in an uncollateralized and unsecured loan. In this modern society where individuals and companies are held accountable for political correctness, these low form debt collectors are allowed to operate freely and without restriction. In collusion are the credit monitoring agencies, XXXX, XXXX XXXX and XXXX in reporting unsubstantiated claims without at least consulting the target of the harassment campaign.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS, XXXX, XXXX  AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH LEXISNEXIS
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Notice to Opt-Out and Dispute letter to XXXX on XX/XX/23 in regards to 2 accounts that they are reporting negatively, without my consent, on my file to credit reporting agencies. I have been impacted negatively by being denied new credit because of the adverse information being reported by XXXX. Per 15 USC 6802e ( 2 ) I do not consent to any information that is being reported by XXXX. XXXX is illegally reporting transaction history on my consumer file, per 15 USC 1681a ( d ) ( 2 ) ( i ). I have also notified XXXX through telephone, per their privacy notice, to verbally Opt-Out, but the accounts are still showing negatively on my consumer files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened a claim on banco popular. First I opened the claim as fraudulent because there was involved a car finance thats not mine on bppr the dealer and the bank finance a different car that i dont have. The bank deny my claim and do not investigate with the merchant. They dont have evidence that make an investigation. No documents. The bank deny my claim and I opened another claim that the finance and the car was canceled and they dont make an investigation or procedure. They just close my bank account and I dont have any evidence showing that the bank make the procedure required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account with XXXX and Experian. I informed the credit reporting agency I had no knowledge of having XXXX XXXX account sent to collections. XXXX and Experian failed to provide debt verification and/validation. The collection account was not removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I was apart of the XXXX, Equifax and XXXX data breach.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I took out a credit card with the original creditor XXXX XXXX XXXX to rebuild my credit in XXXX and eventually use some of the funds for a vehicle down payment. I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX and no vehicle due to losing my car as well. 

I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. 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 I have NO money XXXX XXXX  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

The company XXXX XXXX XXXX sent me an email along with a letter in XXXX of XXXX, I had every intention of paying the account off and no one contacted me to verify ANYTHING along with my requests to forgive this debt and I will admit to writing them VERY nasty letters with colorful language as I am VERY livid because I am trying to get back on my feet along with a place to live and a vehicle. 

I am also trying to have a stable income as most the employers, I applied to requires a credit check and I need this to get back on my feet. 
Thank you for your understanding and attention to this matter. XXXX XXXX
Product: Credit reporting

I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Acct XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States i have a right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX filed an Identity Theft report along Ftc report for True Identity Fraud to the credit bureaus about fraudulent accounts on my credit report. I am a victim of identity theft. The credit reports Equifax, XXXX and XXXX refused to correct the fraudulent accounts.
Product: Debt collection

On or around XXXX XXXX 2020, I received a letter from Midland Credit Management about a supposed debt I owed. I was told to send a written dispute certified mail which I did on or about XXXX/XXXX/2020. I heard nothing since, except the signed receipt from the certified mail that is was received by Midland Credit Management. Then today I received received a dunning notice offering a 10 % settlement. I called company. I asked for debt validation. they would not give me a straight answer and avoided question and just said you have to call this department. Then the individual on phone named XXXX XXXX called me a thief. She said and I quote " if you went into XXXX would you just walk out with a color TV without paying? '' I couldn't believe my ears. I feel like she was a calling me a thief. She said there must be a reason you feel that way. Then she said it is not up to us to prove the debt valid it is up to you to prove you don't owe the debt. Wow then another collector jumped on call interrupted me and hung up. I am asking for proper verification of the debt if that can not be provided then i feel this debt should be zeroed out since it is obviously fraudulent in some way. I also think any negative information on my XXXX should be removed as well. Please help me i am alarmed that a company can do this. My credit is important and needs to be protected from preditory companies like this. Especially when located in XXXX a hot bed for Fraud,.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # Experian XXXX. 
# XXXX  XXXX # XXXX XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a formal 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 has 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 has been both unfair and deceptive, as they have not complied with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

As a result of these failures, I have experienced significant inconvenience and financial loss. I am requesting appropriate redress and resolution for these violations. 

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

I sent a letter to these Experian on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO EXPERIAN, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A XXXX LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Product: Debt collection

Collectech Diversified has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 




This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, first name & last name, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 inquiry name : 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 - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Product: Debt collection

My account with SYNCB/PPC was XXXX as a charge off/ profit and loss write off. I have disputed this information due to it being inaccurate and not verified. It is a violation of 15 USC 1681e ( b ) this charge off is inaccurate. Please remove from credit report.
Product: Credit card

JP Penney claims that they sent the bill of {$5.00} to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I applied for a job onXXXX and a man named XXXX XXXX sent me a check byXXXX XXXX  for {$1900.00} which was {$1600.00} over the amount I was supposed to get. He asked me to forward the rest to XXXX XXXX at Bank of America. I had deposited the check into my BOA checking account XXXX and transferred {$1600.00} to BOA account # XXXX. I thought the bank would not release the funds to me until it had cleared. They would n't release any information about the BOA account I sent the money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 I visited my local XXXX and made a purchase of {$21.00} on XXXX and XXXX. The transaction has shown it has cleared in my transactions yet, American Express Bluebird is stating they have an agreement with " XXXX '' to hold transactions for 8 days until they clear. I repeated to the representative the transaction already cleared, and he just told me it was due to XXXX.
Product: Vehicle loan or lease

gm financial is on my credit report saying i owe them XXXX and i have never bought or leased or even been on their car lot. i disputed this before and was given the run around. i wantedthem to produce some paperwork with my signature and never heard anything and it is still on my credit report
Product: Credit card or prepaid card

Square Inc d/b/a Cash App closed my account without formal dispute, or otherwise providing formal information as to the reason of closure other than apparently violating their terms of service agreement. 

The vague reason they state is a P2P ( Peer to Peer Transaction ) from XX/XX/2020 at XXXX XXXX received from $ XXXX in the amount of {$20.00} Identifier : # XXXX The user XXXX XXXX. XXXX $ XXXX ) is claiming a fraudulent chargeback with their originating card issuer or bank, as their money was subsequently refunded back to their originating account for the reason of returning the payment on XX/XX/2020 at XXXX XXXX  to ( $ XXXX ) in the amount of {$20.00} Identifier : # XXXX Square Inc d/b/a Cash App has refused to investigate the matter into my account closure, stating their decision is final and did not allow me time to dispute the chargeback, and electronically withdrew the funds in the amount of {$20.00} from my linked XXXX Checking Account.
Product: Student loan

I received a letter saying that the SAVE plan was no longer active due to recent supreme court rulings. I was instructed to immediately choose a different IDR plan. I chose a different plan because that was the only option. I received an email stating that forbearance ends in XXXX. My new monthly payment schedule is as follows : XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$10000.00} though XX/XX/XXXX XX/XX/XXXX : {$3100.00} through XX/XX/XXXX. 

I also received an email saying that with my new IDR plan, interest is accruing even while I am on forbearance. If I had stayed in the SAVE plan, the interest would not be accruing. Even though I wasnt given a choice to stay on this plan.

I have attempted to get a hold of them through email and phone for months. Estimated wait times are 1-4 hrs no matter what day or time you call. I have requested a new repayment plan several times. Nothing has changed. I did receive an email about my concerns that said Your next monthly payment is not {$10000.00}, it is {$43.00}. This doesnt fix my problem. I am worried that I will be sent to a collection agency because I cant make the payments starting in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

This complaint involves XXXX XXXX XXXX and Greentree, ( Ditech ).

We received a HAMP loan, when we requested a HARP loan!

This started with XXXX XXXX XXXX and attempting to complete a HARP loan. The problem was, they kept shift the servicing agents on us, transferring the paperwork, losing paperwork, resubmitting paperwork, losing that paperwork according to the next servicing agents, then finally contacting the " Office of the President '', Vice President, calling on a every other day check-n, he leaving or being transferred, paperwork lost, and then being transferred to Greentree as our servicing company.

We started the paperwork again after approximately 12 or 14 months, asked for a HARP loan with them, moving towards foreclosure from Greentree. Then finally with no to little time left on foreclosure, recieved paperwork from Greentree, special delivery, to sign for the loan.

Not understanding, no explanation was given what a HAMP loan was, but told we must sign these papers and get it back to them or foreclosure was going to happen, soon.

We signed the loan. Received the statement of additional costs added onto the loan because it was a HAMP loan for an addition balloon or additional fee of {$110000.00}, which was incorrect since we did only owe for the 14 months of non payment while trying to change the loan through XXXX and being stalled and stalled and stalled.

We believe we were conned by the bank, stalled by the bank and then given no other choice other than sign the paperwork and be penalized for something we DID NOT ask for.

We have not contacted an attorney asa of yet and wanted to share this with the governing body before we start a class action lawsuit.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Product: Debt collection

They have sent me letters stating that they will start a lawsuit against me after I sent them a debt validation letter that they have not responded to, which they are legally obligated to respond to, ( Letter arrived XX/XX/2020 to their main office ). They've also harassed my sister, calling her with MANY numbers. The letter is dated XX/XX/XXXX, it is XX/XX/XXXX and they're only giving me until XX/XX/XXXX. The last letter was marked XX/XX/XXXX and I only received it XX/XX/XXXX VIA XXXX and they wanted a payment in FOUR DAYS that I couldn't afford because of the current pandemic.