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

Hello, Im writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section and the collections section of my credit report. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you. 

XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$400.00} Account name : XXXX/XXXX  Account number : XXXX Date : XX/XX/XXXX {$300.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$6800.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$980.00} Account name : XXXX  Account number : XXXX Date : XX/XX/XXXX {$510.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$200.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$190.00} Please remove off my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. 
These accounts have been reinserted on my Experian report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the account numbers were changed but the amounts are the same which is a major violation. I never received any mailing notice for reinsertion as well.
Product: Credit reporting or other personal consumer reports

you sent me a check because they were found at fault reporting to my credit report, but its still reflecting and has went into judgment, please investigate them and have them remove inaccurate information.
Product: Debt collection

Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with Portfolio Recovery Associates LLC. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday ( XXXX XXXX ) because I settled a debt with the same original credit furnisher ( XXXX XXXX ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX ) even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XX/XX/XXXX ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.
Product: Debt collection

On XX/XX/2018 at XXXX PM I received a phone call from a man asking me for my date of birth. I was uncomfortable giving out that information because he would not tell me who he was. He told me the date of birth he had on file and I confirmed it was me. After confirming who I was, he then told me he was a debt collector from XXXX XXXX and that he was attempting to collect a medical debt from me for around {$500.00} or so. I told him that I was not in a comfortable enough financial position to pay the debt at this time and proceeded to get an attitude with me. He told me that it was noted in their system that they had spoken with me at the beginning of the year and that I had promised to pay the debt when I received my income taxes. I didn't promise anything! I told them that I would try to pay the debt with my taxes if I could, but I had to use that money for my sons braces and glasses and that I'm a struggling single mom. I told him that this old medical debt was not a priority for me at this time and he told me that the doctor I used made me a priority when I needed him so I should make paying him a priority! I became extremely offended by that statement and told him I felt like he was trying to give me a guilty conscience. He then proceeded to tell me that he knows I have a credit card and I can use that to pay the debt! I told him that what I use my credit card for is not his business or his decision and not to call me again. I notified his supervisor of the conversation and she said she was going to listen to the recorded conversation and resolve it immediately and that he should not have approached me that way. The debt was from an emergency room visit before I had medical insurance and the local charity hospital had been closed. The ER visit was for a minor medical issue. but I did not have a regular physician at that time to go to.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 On the XXXX XXXX Website it states that I have a closed account with XXXX XXXX XXXX   / XXXX XXXX. However, I use the account frequently still till this day and the account is still active.
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 XXXX & XXXX have caused significant inconvenience a XXXX  financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 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
Product: Debt collection

On XX/XX/XXXX XXXX XXXX a collection agency was added to my credit file. This was shown as a new collection with the originally creditor as XXXX the amount of {$1300.00}. I have no contact with XXXX XXXX and they are attempting to collect on a debt that was previously paid with XXXX XXXX in XXXX as an agreement to pay for delete. Convergent is attempting to again collect on this debt. They have not responded to multiple disputes and requests for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters to XXXX, XXXX, and Experian and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.
Product: Credit reporting, credit repair services, or other personal consumer reports

and prior XXXX report shows XXXX  correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX Experian and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the two missed payments displayed on the credit card I never ordered. The settlement was agreed to was XXXX  that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
Product: Debt collection

The Debt company, AWA told me that I owed that {$150.00} to XXXX XXXX XXXX which I never owed because I never signed the auto insurance contract. And after I sent the letters to the AWA requesting why they think I owed such amount three weeks ago, they never respond and report directly to the credit reporting agency and my credit score is down XXXX points already. I don't think I can even apply for normal apartment with that score right now.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I did not authorize. I have no record of initiating any business or financial transactions with those creditors on or around that date.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to Check n Go, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with Check n Go he said it was for a loan in XXXX. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that Check n Go knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called Check n go and they said I owed a debt for {$250.00} not {$700.00} from XXXX and I asked if I could verify the loan but check n go stated that I'd have to call XXXX XXXX XXXX at XXXX. I XXXX that company and filed a XXXX complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.
Product: Mortgage

SPS agents have posted my monthly payments incorrectly, hurting my credit score. My score went down XXXX points on XX/XX/XXXX due to SPS reporting my account as being XXXX  days late. I have never been late on my principal and interest payments with SPS. 

I'm afraid I have to disagree with the monthly estimated escrow assessment performed in XX/XX/2023. Also, I'm afraid I have to disagree with the calculations provided when I dispute the estimate. My real estate taxes are only {$550.00} every XXXX months. My experience with SPS has been horrible since my mortgage was sold to you in XX/XX/2023. My mortgage is getting sold again
Product: Mortgage

I was in a COVID mortgage deferment with Chase. After it ended in XXXX I was going to start paying my mortgage, which I can now. After it went through the modification Chase mortgage is asking for the Lump sum of XXXX dollars to bring my mortgage up to current because I was not qualified for repayment plan. I told them I am able to pay for the pAst due amounts and willing to pay more for the mortgage but Chase mortgage is only giving me the options yo sell, foreclose or to pay the lump sum of XXXX. All these are not an option for me because I am able to pay, even if its more then my regular mortgage amount. I do not want to lose my home. More importantly they NEVER told me when I requested for mortgage assistance that because I was two months behind that this was a possibility.if that critical information was told to me I would NOT have done the deferment and at least have caught up the past due of two mortgage payment. Please help me, I DO NOT WANT TO LOSE MY HOME. Especially now Im able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs. 

The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).

33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless.. 
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX. XXXX This complaint is continuing in response to Wells Fargo wanting to repossess my XXXX  XXXX car, in which XXXX dollars is required ASAP. I had sent a letter on Tuesday, XXXX XXXX via CFBP in response to a Charge off Letter done on XXXX XXXX and another Letter on XX/XX/XXXX. in XXXX to Wells Fargos reply on XX/XX/XXXX. I indicated that Wells Fargo did not address all my problems and Offer to Pay and Bring the account up to date. 

Ive tried to contact the senior Manager, MsXXXX XXXX, who was supposed to call me back on Tuesday, XX/XX/XXXX. Im still waiting for her call, as indicated by Ms. Ms. XXXX XXXX, Team Manager. Per Mr. XXXX XXXX offer, the clock is ticking, already on day 4 from Friday, XX/XX/XXXX, which allows 7 days to settle to pay off the loan. 
Mr. XXXX. XXXX Executive Account Manager, responded to my letters dated XX/XX/XXXX and XX/XX/XXXX. Indicating that I wrote the same thing as my first original letter, with nothing NEW. Not TRUE. There was additional activity per the following : 1. I paid XXXX dollars towards the account as promised : The numbers produced by XXXX. C. to resolve paying the account would hence be different at this time. 
2. My intention is to pay more money additionally to the account. This also was not addressed in the first response.

3. My injury and not being able to perform transactions for the past 3 weeks was not addressed. Not even to let me know whether it mattered or not.

4. The Offered terms of getting payments complete before the due date was also not responded to. There was no dispute or rejection of that offer. 
I dont have the money being requested right now, and Im attempting to make a good faith offer of paying the full updated balance of the loan. 
Also, in response to the above terms of Settlement, I would respond to pay quickly, the balance of the amount owed, per as stated, XXXX dollars, paid on XX/XX/XXXX. Confirmation No. XXXX thus far towards the account to close the payment gap. Then XXXX dollars to cover fees and {$850.00} to {$1000.00} per month. 
I again left a message with an attendant at the executive office on Monday XX/XX/XXXX at approx.. XXXX XXXX eastern time, for someone to call me. Either MrXXXX XXXX, who was not available, MsXXXX XXXX, ( Senior Manager ) who was not available, or MsXXXX XXXX XXXX, Team Manager, who was also not available. 

No one available. Please call me at XXXX as this is a VERY Urgent Matter. 
I can not afford to lose the car to repossession, as I need it for my job. Former Letters are attached to this platform, for the record. 

Sincerely XXXX XXXX XXXX CC. Wells Fargo Auto. Wells Fargo Auto. XXXX XXXX XXXX, XXXX XXXX, SD. XXXX XXXX XXXX Executive Resolution Specialist, Wells Fargo Auto XXXX XXXX XXXX. CEO. Wells Fargo.
Product: Payday loan, title loan, or personal loan

I noticed that 4 charges were taken from my XXXX XXXX account 15 days ago on XX/XX/XXXX. This is that latest in a string of identity theft issues I have been having. I then used an unofficial credit report and noticed an {$890.00} loan in my name. 

Since then, I have been trying to contact the Fraud Department with XXXX XXXX. On XX/XX/XXXX, I was informed over the phone that the Fraud Department will get back to me by closing of business. Hearing nothing that day, I informed Money Lion on XX/XX/XXXX that if I did not hear back from them by closing of business, I would have to contact the CFPB. 

I heard back with a request for information soon thereafter. I replied to that request and travelled for work. Upon my return, I discovered that on XX/XX/XXXX, Money Lion had deemed the account non-fraudulent and closed the inquiry. 

To corroborate their claim, they sent me a loan agreement that had been " signed '' in standard computer font. 

I fear that I am unable to progress on this issue and that if this situation is not resolved soon, I will be charged again for this loan. 

This loan is also negatively impacting my credit score. 

I am attaching confirmation of a police report. At this time, I am unwilling to purchase a product so that I can get my money. That seems unreasonable. If MoneyLion wants my police report to help me with this fraud issue, they can buy it from the XXXX Police Department themselves. 

I am also attaching PDFs of an e-mail chain for a related fraud issue from So-Fi money, such that you can see that this is an ongoing issue. 

I am also attaching bank statements showing the money withdrawn. I am attaching a transaction list showing the reversal. 

Please help.
Product: Credit card

On XX/XX/2023 two fraudulent charges were made on my credit card at XXXX XXXX in XXXX XXXX, CA totaling {$43.00}. On XX/XX/2023 one charge was made at the XXXX in XXXX, CA for {$65.00}. On XX/XX/2023 one charge was made at XXXX XXXX in XXXX, CA for {$95.00}. I did not make any of these charges. I did go to XXXX XXXX on that date and I was charged for two separate bills. I only found out about the double charge while checking my online banking account with a employee from Bank of America while canceling the compromised credit card. The employee assured me the fraudulent charge of {$95.00} would be taken off the account but it was not. I reported these fraudulent activities as soon as I received the paper statement in the mail. There was an additional online charge of {$150.00} that Bank of America did eventually credit me back. The remaining {$200.00} total that I owe for the four fraudulent transactions is now being charged interest since I refuse to pay for these four charges. 
I have reached out to Bank of America numerous times and spoken with several different managers about my claim and my denied appeal. I did take the names of the managers and employees I spoke with at Bank of America. I asked the most recent manager I spoke with at Bank of America to please explain to me whatever info she had about my denied claim and appeal. She told me the purchases were all made using chip to chip transactions and because I still had my credit card that it had to be me and the case is now closed. Other reasons used to decide against me were the sequence code matches the chip on the credit card they claim, but again no proof to back it up. The final reason used to decide against me was that they stated I logged in numerous times to my online banking account through Bank of America and I should have been able to catch the fraudulent activities sooner. On both letters mailed to me by Bank of America about my claim it states that, '' we confirmed your card was used for the charges. The chip was read, your pin was entered, and or you signed for the merchandise or service which indicates you or someone you allowed to use your card was present. '' The first manager I spoke with told me that it is not very common but she had heard of criminals being able to scan chips and duplicate onto another credit card and use. The last manager I spoke with said that the other manager spoke out of line and she was completely wrong because it is literally impossible to scan or steal the identity from a chipped credit card. I asked for proof of my signature or camera footage or anything that would show me or my signature but again they said the case is closed so they cant provide that information. I have filed police reports in XXXX XXXX, XXXX, and XXXX. I have also filed a claim with Identitytheft.gov. I have reached out to my local investigative journalists at XXXX. I have spent many hours dealing with Bank Of America for these fraudulent charges and have had to take time off from my job without pay to attempt to resolve this issue during Bank of Americas open hours of operation.