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

I disputed multiple inaccurate negative accounts with the credit bureaus, but they failed to correct or remove the erroneous information despite my disputes and supporting documentation. The bureaus either improperly verified the accounts or did not conduct a proper investigation within the required timeframe. These inaccuracies continue to harm my credit, and I am seeking CFPBs assistance in ensuring a fair and thorough resolution.
Product: Credit reporting or other personal consumer reports

According to LexisNexis, I was involved in a car accident in XXXX. When searching for the incident I found that it was a similarly naked  person with a different policy number and holder that got into the accident. Despite the differences, the other persons accident was applied to me and it has effected my car insurance rates.
Product: Mortgage

I fell behind on mortgage payments and my loan was put into active foreclosure. I was told I would need to pay all of the past due amounts to get it out of foreclosure. Once I made the past due balance they said I needed to pay an additional {$2500.00} in fees- which is essentially an entire month 's worth of mortgage payments. I was never told this. When I sent them the money they requested they then said I owed an addition {$2500.00}. I think they're scamming people and trying to make additional money on the loan. They also, for whatever reason, increased my monthly loan payment by nearly {$400.00}. I do NOT have a variable APR loan. Please help. I have a mortgage with Plaza Home Mortgage Company and I am XXXX. They have a history of racial discrimination and I would not put it past them to be employing racist tactics again to generate more money on my loan.
Product: Credit card

MY SHELL CARD WAS STOLEN WHEN I LOST MY WALLET, WHEN I FILED A CLAIM WITH THE FRAUD DEPARTMENT THEY REFUSED MY CLAIM AND THEN CLOSED MY ACCOUNT, I HAVE FTC FRAUD AFFIDAVIT TO BACK UP THE FRAUD THAT OCCURED THESE CHARGES NEED TO BE REMOVED OFF MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX  {$690.00}
Product: Checking or savings account

On XX/XX/XXXX of XXXX  I deposited 2 checks # XXXX. {$670.00} # XXXX. XXXX which was made out to me and my mother from XXXX XXXX XXXX, my mother went with me, showed her ID, endorsed it in front of the teller, then I did the same... but there was a hold aced on this check. 
They required further verification which consisted of going into the branch and having my mother present 2 forms of ID, then they required the check issuer " XXXX  '' acknowledging to have issued the check in question which they did, but it didn't matter ... then they wanted to verify all the previous checks deposited ever. 
On XX/XX/2022 my account was closed and the amount kept was {$1700.00} I tried to get the freeze lifted and everytime was requested to do something different, I asked them to release the funds to the state treasury but they won't do that, I asked to have the money returned to XXXX, but they won't do that either, i have never had any issue with any check I ever deposited and chase is a 3rd party accepting bank... I feel discriminated against and the relations that they must follow over extended and violated... 

I have lost my car, am about to get evicted and am a single mother of XXXX.. 
Please help me get this resolved, it's not right they closed my account and kept my money which wasn't a problem other than to my own bank...
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.
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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that ( XXXX XXXX XXXX XXXX ) has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX XXXX XXXX XXXX ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXX XXXX XXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX XXXX XXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
Product: Debt collection

This account is not mine. I have never had an account with XXXX. I have had two seperate accounts that were not mine placed into collections with XXXX XXXX. The last one was for {$1300.00} and this one is for {$1300.00}. I am the victim of identity theft and I am not taking responsibility for these accounts. I have XXXX as my carrier. I have never been nor do I ever plan on becoming a customer with XXXX. Please find the people responsible for creating theze fraudulent accounts.My current phone number is ( XXXX ) XXXX. I may be reached here at anytime. Please update accordingly.
Product: Checking or savings account

On XXXX a thief opened an online checking account using my personal information at a company called CHIME bank name is The XXXX Bank. THIS ACCOUNT WAS OPENED WITHOUT VERIFICATION OF IDENTIY. 
I emailed/called Chime to close down the account and I spoke with an employee named XXXX. I explained to her that I was victim of identity theft, and I did not authorize this account to be opened. I was told it would be shut down that day and I would get an email that day with her full name and confirmation. I did not receive anything from her, and I have great concern because she was given my SS # to verify my identity. Since that date I have requested that the detective handling my identity theft case to be sent important information immediately. I emailed Chime and sent them my police report, FTC report, proof of identity. I spoke with XXXX ( I was given a claim number ) at Chime on XXXX and requested that he expedite getting the information to the detective, he was provided with all important documentation. I have growing concern with this company there seems to something suspicious in the handling of my identity theft.
Product: Debt collection

Credence Resource Management , LLC is a XXXX Collector. XXXX, offer to resolve your XXXX account XXXX with a balance of {$450.00} for only {$200.00} if your payment is received in our office by XX/XX/2024. This is a savings of {$240.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTOP to stop This was paid in full and corrected but the original company. Closed in good standing the XXXX will not verify my contract and keep texting me. No mail has been sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following names, accounts & addresses are incorrect and are violations to my rights : Name ( s ) : XXXX XXXX XXXX, XXXX XXXX XXXX Account ( s ) : XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX ACCT # : XXXX, XXXX/DEPT OF ED ACCT # : XXXX, These following addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX, 15 U.S.C 1681 Section 602 A. States that 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.

15 U.S.C 1681c. Section ( a ) ( 5 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Product: Debt collection

Received phone calls from company starting in XXXX. Company representative would hang up when phone was picked up. XXXX went to correct entity. 

Called XXXX to request written verification of debt. Debt collection agency had incorrect address. Would not provide account number for online payment. 

Written verification of debt still not received even with correct address. 

Called XX/XX/16 to request written verification of debt. Company rep said it has already been sent and would not send another. After several attempts, was about to get account number for online payment.
Product: Debt collection

DEAR XXXX ; I am not accountable for the original company XXXX XXXX XXXX, and I have never entered into any contractual agreements with the collection agency XXXX. I have raised a dispute regarding this matter with the credit reporting agency, and they have affirmed the validity of the account based on your confirmation. However, I firmly believe that I have no association with either the collection agency or the original creditor. Moreover, there are multiple inaccuracies in the reporting of this account, which contravene the FCRA and FDCPA laws and regulations.

In an earnest attempt to resolve this issue cordially, I must request substantiation of this debt, specifically the alleged contract or any other documentation bearing my signature, along with proof of your authority in this matter. In the absence of such evidence, you are obligated to rectify any erroneous reports of this past debt attributed to me. 

I am formally requesting the following information : Please provide documentation demonstrating your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in relation to this alleged matter.

What legal basis authorizes your collection of information?

What legal basis authorizes your collection of this alleged debt? 
Kindly present evidence of your authorization to conduct business or operate in this state. 
Please furnish proof of the alleged debt, including the purported contract or any other documentation bearing my signature. 
I request a comprehensive account history, encompassing all charges added for collection purposes.
Product: Vehicle loan or lease

I had an auto loan closed out before the maturity date, without notice and sent to a 3rd party collections. I was unaware and made regular payments to the finance company until I was made aware. Subsequently I paid a settlement debt to the 3rd party. It has been since XX/XX/XXXX since I had made to settlement and still have not had the account closed, even after providing proof of the settlement. No date is set for the closing nor I can not get a straight answer when I will recieve the title in my name
Product: Payday loan, title loan, or personal loan

on XX/XX/2018 I sent an email to XXXX ( attached ) revoking my ACH authorization and asking them to cease and desist all phone calls to me or any number associated with my account. 

On XX/XX/2018 they sent me an email and a text message stating the payment they tried to take on XX/XX/2018 returned NSF. 

I forwarded them the email from XX/XX/2018 advising them again that I had revoked the ACH and sent a cease and desist letter. I advised them again they were not authorized to withdraw money via ACH from my account. 

Yesterday, XX/XX/2018 I received a text message stating they attempted another ACH withdraw from my account and it was returned. I also received a phone call collecting on the debt despite the cease and desist verbiage in my XX/XX/2018 email. 

I have sent several emails to them and even used the " contact us '' form on their website but they refuse to return my emails. 

They are in violation of several XXXX consumer laws and have caused me to be charged fees by them and my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian for a fraudulent address that XXXX XXXX reported to them. I have disputed the fraudulent activity from this collection agency, XXXX XXXX, several times with you CFPB and Experian. FYI I use to work for XXXX XXXX under the law firm XXXX XXXX XXXX. I am been XXXX  and sabotage repeatedly by this company XXXX XXXX managed by XXXX XXXX XXXX. XXXX XXXX is utilizing my past employment information to consistently stalk and XXXX me. I was a XXXX XXXX for this XXXX XXXX for almost a year and they never Once confronted or confirmed this alleged debit while I was working there. However ever since I quit XXXX XXXX XXXX, due to the hostile work environment I have been continuously XXXX  by this company, XXXX XXXX managed by XXXX XXXX XXXX. I will also be contacting the FTC. 

When XXXX XXXX first reported this account in XX/XX/2022 they alleged they sent debit validation to my associated address in XXXX XXXX. Now in XXXX they are applying another address in XXXX to my credit report. Please stop this fraudulent, XXXX activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX  XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed for this same issue. 
CFPB claim # is XXXX. 

The day after I bought the car a XXXX XXXX, it stopped dead in the road twice and I had to have it towed to a mechanic, I could only use the mechanics that they told me to or I would be voiding my warranty. I took it there and also found out that my catalytic converter was about to go, I was unable to use my car for a month. Because I had to pay to have it fixed and made limited money at the time I was late on a payment. Apparently, it is Car Hops policy to install a special device before I buy it that enables them to remotely disable my car. They would disable my car the day after I was late on my car without notice. 
This among other things was why I reported them to the CFPB for poor business practices and harassments. Please see the attached email that I sent to UAC when they did not follow through with their promises to cut my balance in half.

Hello, I am a bit confused. When last we spoke and I agreed to an arrangement that was recommended by the complaint I filed with the CFPB and we agreed my balance was to be brought down to {$2100.00}., and that my payments were going to be around XXXX. However the UAC website still showed the same balance and that my payment on XX/XX/XXXX will still be XXXX. I received a letter today that states the same thing. 
I also reported them to the FTC. Under the impression that I only had only this amount to pay to pay off the loan I continued to pay My monthly payment of {$170.00} on time. 

In XXXX of XXXX I was forced to move to XXXX. Because the car was so unreliable I decided to have it transported. At this point I thought I only owed a remainder of {$750.00}. 
The car transport company refused to deliver my car ( it was supposed to be delivered on a Friday ... when I would be receiving my last pay check ) but they 'claimed ' they tried to deliver it on a Tuesday and demanded payment. *this was all by phone '' they never brought the car to my home in XXXX XXXX I investigated with XXXX earth and discovered my car parked outside of some ones house in XXXX in a VERY nice neighborhood. It hadn't even been impounded. I called Car Hop and told them about the theft and told them if they could go to the location and get my car I will pay the balance I owe as well as any fees. The manager, a man named XXXX said " NO WE DON'T DO THAT '', I tried to negotiate something to pay this off and get my car back but they refused. I ended up taking the bus in my new home for XXXX and a XXXX  years, It wasn't until XXXX that I pulled my credit report and noticed that the negotiated amount was never reported and it is still showing that I owe {$2900.00} which is NOT true. If I owe anything it is only {$750.00} which they refused. 
It has been over 5 years since I last submitted a claim for this company and they are still harrassing me by keeping this erroneous information on my credit report. 
I am needing this matter resolved immediately and it removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but Transunion and XXXX seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ TransUnion LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXar : Equifax or Experian or TransUnion ], I am writing to dispute the following information that appears on my [ Equifax or Experian or TransUnion ] consumer report : My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to the company that I have already repaid. 
The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Thank you for your assistance. 
Sincerely, [ XXXX XXXX ]
Product: Debt collection

I was told by Acura Financial Services that my account would be charged off. They offered a 25 % discount making the balance {$1600.00}. I intended and wanted to pay it ; however, due to the pandemic I didn't want to agree until I was sure I was able to make full payment. I called Thursday and was told by the rep, that I had two days to settle the account. I called Friday and couldn't get through. I called Sat, they were closed. I went online to see if I could reach out to customer service but their site does not give consumers the ability to email them directly. Their virtual chat was off so the only communication that I could find, was via XXXX. Maybe they had to reduce employee hours, due to the pandemic. I called today XX/XX/21 and was told the wait time would be 5 minutes. I held for about 44 minutes and talked to the rep, XXXX for about 4 minutes. She informed me that my account had in fact charged off. It's simple, if a financial institution informs you that you have two days to settle your account, then they need to make appropriate accommodations for the consumer to do so. I would like to settle my account without it negatively impacting my credit. There has to be some type of accountability to ensure that along with the demands from these types of companies, they also make provisions for consumers to meet them.
Product: Debt collection

I was written by mail claiming I owed a debt of {$23.00} for service in XX/XX/XXXX. I have not lived there since XX/XX/XXXX.. I called and they said they would look into the matter then on XX/XX/XXXX they reported I owed {$130.00} to the transition which showed up on my credit report.