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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am filing CFPB complaint against Equifax for fraudulent accounts that have appeared on my credit report. I have been stressing to Equifax that these accounts are a result of Identity Theft stemming from Equifax Data Breach. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraudulent Account/ Transaction/ XXXX XXXX Account XXXX XXXX Balance : {$4200.00} Fraudulent Account/ Transaction/ XXXX XXXX/ Account # XXXX Balance : {$320.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Despite this, Equifax continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.
Product: Credit reporting or other personal consumer reports

My credit score decreased XXXX points at the beginning of XXXX. I had exceptional credit and worked hard to get it that way. I am about to rent or buy a house and this greatly affects me. Upon looking into it, XXXX noted that the extreme drop of my credit score was due to " XXXX accounts closing ''. After looking into this further, it appears that since my XXXX student loans are currently deferred until XX/XX/year>, the loan provider ( Nelnet ) somehow reported my information wrong and said my accounts were closed or delinquent. I have messaged them and have not heard back to resolve this issue. NOTHING has changed with my loans and they are NOT delinquent. 

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

On Monday, XX/XX/XXXX, I attempted to open a Home Equity Line of Credit through my Credit Union. I was told that they were unable to access my Experian credit report.

That evening I called Experian ( after researching on the internet how to get an actual person, because there is no way to get a live person through their numbers ) and was told by XXXX that the report was fine, and had been accessed twice by the credit union. 

On Tuesday, XX/XX/XXXX, I went again to the credit union. This time the back office was contacted and told me that the report was run but there was no credit history, and the address on file was actually the address of my ex-husband, where I never lived. 

I made several calls to Experian on Tuesday, but was unable to get a satisfactory result. I was told repeatedly that my report was fine. 

On Wednesday, XX/XX/XXXX, I called Experian again. I spoke with someone in Personal Solutions who began a report ( # XXXX ) and corrected my address. My credit history is still unresolved. I am still unable to obtain a home equity line of credit. The other two credit reporting agencies, XXXX and XXXX, have correct reports as of XX/XX/XXXX. I need this issue resolved. I have now spent countless hours on the phone and have no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 'XXXX  XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX  {$730.00} XXXX. XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX XXXX  {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX  Account number XXXX XX/XX/2019 3.XXXX  XXXX  XXXX  Account number XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your response, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX XXXX 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed rot 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 lost.and I seek the appropriate redress for these violations.
Product: Debt collection

Midland Credit Management last reported on my credit report XX/XX/year>. For the amount of {$600.00} I've searched for the address and phone number for the company, which is unavailable on my credit report
Product: Debt collection

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Product: Mortgage

In XX/XX/XXXX, Bank of Texas/Oklahoma failed to pay the full amount due for XXXX Homeowners Insurance. In XX/XX/XXXX, per the third-party-lender Foremost, notification was to sent to the mortgage company requesting the remaining {$290.00} due for the insurance or the insurance would be cancelled. Due to a failure of payment the insurance was cancelled in XX/XX/XXXX. I was never provided any of this information from the insurance company or the mortgage company, until I contacted my insurance company, XXXX, in XXXX. XXXX made contacted with BOK regarding this issue which could not be resolved. Due to the lapse in time without insurance I am unable to get homeowners insurance at this time & will have to resort to the mortgage insurance provided by BOK. I have been trying to resolve the issue of escrow with BOK since before the XX/XX/XXXX. Currently I have {$1700.00} of escrow which was intended to pay Foremost for XXXX ; however, it is now an overpayment as the Mortgage Insurance is less than {$520.00} per year. BOK is refusing to complete an analysis on my account in order to release the escrow funds and lower my monthly payments by approximately {$100.00} per month or more. I have spoken with multiple supervisors & representatives all of which assure me that someone will return my call & be in contact with me. Since XX/XX/XXXX, XXXX people, XXXX of which claim to be supervisors, assured me they would call me back within three days and to date I have yet to hear from a single one. My funds have yet to be released & returned, and they are calling me about past due payments in which they are still charging me in excess for XXXX & XXXX payments. 

Bank of Texas aka Bank of Oklahoma XXXX
Product: Credit reporting or other personal consumer reports

I DIDN'T PROVIDE IDENTIFICATION ARE PROOF OF RESIDENCE IN PREVIOUS COMPLAINTS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have previously communicated my objections regarding this account, yet GLA Collections has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue XXXX  and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages. 
Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands. 
Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spent 3 plus hours of and on the phone with equifax. I was trying to have them update a Creditor input and was told only the Creditor could call them to update. They would not help. So I spoke with the Creditor and multiple agent confirmed they had already sent the update to the Bureau and it was up to them. I called back and spoke to multiple supervisors and was told there was nothing I could do or no one I could speak to expedite this. I was informed over and over again the the Creditor could update it. I was then told I could upload the settlement letter to them for faster update and I ask how and they hung up on me.
Product: Credit reporting or other personal consumer reports

discover account - this is me putting XXXX  on NOTICE for incorrectly reporting information on my consumer credit report. pursuant to 15 USC 1692 ( c ) - cease and desist. account number ending XXXX for the discover it credit card. this corporation has incorrectly been reporting credit history information. This is enough grounds to bring this person to court, for defamation and for financial injury pursuant to the United States court of appeals, Ninth circuit No. 00-15946 Nelson vs. XXXX Manhattan XXXX further more they could be liable for civil liability pursuant to 15 USC 1692k ( a ) ( 1 ) - any actual damage sustained by such person as a result of such failure. this fine begin at 1000.00 and is not limited to just this amount as the definition of any pursuant to XXXX XXXX XXXX is unrestricted. furthermore, XXXX has revinsteagted this matter a series of times, and has apparently validated the debt without ever disclosing WHO the flesh and blood human being is that validated the debt is and without ever provision through public and private GAAp ( generally accepted accounting principles ) for the account in question which Is also a violation that carries civili liabilities with it. pursuant to 15 USC 1692k ( a ) ( 1 ), FCRA 623, and Cushman v XXXX corporation US court of appeals for the third circuit court case 115F. 3d 220, June 9th 1997 Filed ( D.C. No. 95-cv-01743 )
Product: Debt collection

AFNI began correspondence with me XX/XX/XXXX regarding collections of {$130.00} for acct. # XXXX. In responding to their claim, we have been going back and forth regarding this matter with the latest letter from me dated XX/XX/XXXX. I have made countless requests asking for documented proof of an agreement between myself and their customer ; they were only able to provide my final bill. 
Dates of communication : XXXX XXXX - my response was XX/XX/XXXX AFNI XX/XX/XXXX mailed me a copy of my final bill- AFNI XX/XX/XXXX mailed a letter stating their verification of the acct with the customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX mailed another letter stating their verification of the acct with their customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX third letter stating their verification of the acct with their customer- I mailed a letter XX/XX/XXXX to both AFNI and Comcast regarding the standstill of possible resolution and their responsibility to provide due diligence to ensure accuracy of their claim. 
AFNI XX/XX/XXXX mailed the same form letter a fourth time stating verification of the acct.- I responded XX/XX/XXXX AFNI XX/XX/XXXX letter stating their previous investigation and how I have not provided any new facts to warrant a valid dispute.- I responded XX/XX/XXXX explaining my intention to file a complaint with CFPB and FTC. I have not received any response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist Bank is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this on my credit report.
Product: Debt collection

I have been a victim of identity theft in XXXX. In XXXX I received a phone call stating that it was XXXX XXXX XXXX and they were trying to collect an outstanding debt of {$6200.00}. 

I hung up and called the XXXX XXXX XXXX help line and asked if this debt was real, they claimed they could not find a record of the debt. 

Today I have received a notice that this debt has gone to collections and Sunrise collection agency have put a notice on my credit report causing it to drop XXXX points. 

I never received any written communication from Sunrise or XXXX XXXX XXXX for this debt nor did I get a chance to request proof of the debt before it impacted my credit score. 

The police report number for my identity theft claim is XXXX.
Product: Money transfer, virtual currency, or money service

I made a donation to a charitable organization on XX/XX/2021 for {$900.00}. It is now XX/XX/2021 ( over 4 months later ) and the payment is still pending. PayPal refuses to process or cancel the transaction. They took the money from my bank account but have not moved the money to the organization 's account. PayPal claims that the payment is under some kind of regulatory or compliance review. I haven't had issues with any other payments I made and the organization has not had issues with any other payments they received. Even if this transaction was arbitrarily selected to be reviewed for whatever reason, it should not take four months. It is completely unacceptable to hold my money indefinitely. I have called and emailed at least 5 times over the past 4 months and the representatives claim there is nothing they can do to resolve this. If PayPal does not have enough people or resources to review transactions in a reasonably timely manner that is their problem, not mine. This is fraud and theft. They are probably doing this to thousands of people and holding millions of dollars for long periods of time and earning interest or investing that money for the company 's benefit. I should get my {$900.00} back, plus interest and penalties for the 4 months they have been holding my money.
Product: Credit card

I urge you to review the documents provided and initiate an investigation into these accounts. Despite my consistent on-time payments, they are incorrectly reporting me as late.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) due to substandard customer support and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to implement adequate and timely measures to protect against fraud on its platform, resulting in my account being left exposed and vulnerable. Additionally, their dispute resolution process was deceptive and unjust, failing to meet the error resolution standards outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures caused me undue inconvenience and put me at risk of financial harm, for which I seek appropriate redress.
Product: Money transfer, virtual currency, or money service

Hi. 

COINBASE have been closing every single case that I made to fix the issue that I have with them : Case # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. Thirteen single cases that they have ignored. All starts ends of XXXX, at the same time I made my first buy. I had been user since 2018, buy now is when comes the problems, with my first buy. 
I know they " hear my frustration and this is not the most ideal experience '', but it can not be possible that this problem be so difficult. Only verify my ID. They already have it! 

They tell me I should not submit multiple support requests, but I do, because they CLOSE every single case. So, that's why I open a new one every single time, because I see my case closed, and my account is still blocked. 

I only want to operate with my account like always did. My ID is fine, every document have been updated in your platform.
Product: Debt collection

AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Amsher is trying collect this debt that is not mine.