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

I have been trying for months Experian has ignored my request for physical validation as well as ignored accounts that I have identified as Identity theft and this organization refuses to remove them. In addition to this is my second attempt for this company to send me the information I have requested for these accounts that are not validated and they should be removed immediately. They have not conducted any investigations as well have used XXXX XXXX to validate these accounts when I already informed them via writing that that was not an acceptable form of determining these alleged accounts to be validated. They have responded with speculative assessments contrary to my clear written instructions to justify not responding to my issues raised in my complaints. Please remove all unauthorized, fraudulent accounts promptly pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent farther legal action. It is a fact with the included CFPB report Published XX/XX/2021 I have Proof that I previously submitted both an identity theft report that Experian responded was a third party which was not as well Experian has made it very difficult to removed items that are both unauthorized and are affecting my ability to obtain any credit. This organization has caused me many troubles I have been disputing these accounts for the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

ARS Account Resolution has reported a collection account to my consumer credit file.I do not owe this alleged debt! This is a legal matter and a letter of protection was placed on this account in XXXX of 2019 by my attorney XXXX XXXX. Second, ARS Account Resolution HAS NOT SENT any written notice of collection to me at all. ARS Account Resolution is violation of the FDCPA! If ARS Account Resolution has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS INCLUDING THE LEGAL LETTER OF PROTECTION stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which ARS Account Resolution has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect a debt as this does not belong to me. Again, ARS Account Resolution has not validated this debt nor sent me any notice of collection
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. c Furthermore, their dispute resolution precess 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 Commentsogs ; End I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Late Payment : XXXX XXXX Inquiry XXXX XXXX XXXXXX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

15 U.S. Code 1605 - Determination of finance charge States that I should not be paying a down payment for a car loan. In my case during Covid Exeter Finance had us trade in our car for {$500.00} and also had us put {$500.00} in cash down. We also couldnt get the vehicle off the lot without car insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX/ XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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  ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

report filed with XXXX  case number XXXX ... 
In accordance with the Fair Credit Reporting act. Experian and XXXX  XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. Experian and XXXX  XXXX XXXX continue to violate my rights.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX XXXX $ each day was trying to do an atm withdrawal and no money was dispensed. I try to call. The atm said that my bank has to do a dispute and the bank said that I have to contact the atm
Product: Credit reporting, credit repair services, or other personal consumer reports

This item has been on my report since 2011. They have inaccuracy of my balance along with late payments that should have removed based of the 7 years criteria. I have disputed this item on several occasions and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date  opened  XXXX /2014 Details P ayment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Product: Prepaid card

I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined.
Product: Debt collection

Amshire Collections is attempting to collect a fabricated amount even though I have made due effort to make them aware of that. In XXXX 2012 I contacted XXXX XXXX to cancel my account because I thought their services were outrageously overpriced. The account representative said she would apply a " loyalty '' credit to my account, thus locking me in a XXXX month contract without consent. Upon canceling my account I was notified that I would need to pay a {$170.00} contract termination fee for a contract that I never entered. Amshire Collections has failed to provide me with any proof that XXXX XXXX had any sort of a contract with me to validate this fee or an itemized statement breaking down the charges that I owe.
Product: Checking or savings account

Bank of America reported my account to XXXX  due to suspected fraud when I never had committed any fraud they said somebody tried taking {$300.00} more than once and due to that they closed my account and reported it to XXXX  and due to that I haven't been able to get it bank account or a second chance bank account I called the bank and ask them if I could get removed but they said they couldn't they said that the only ones who could remove me was XXXX  so I called XXXX that you only one stick of remove me is Bank of America me going back and forth from XXXX  to the bank and it seems like they don't want to help me when I never committed any fraud and they never gave me any info when this happened so I didn't know why my account was closed I don't owe them any money I'm trying to get a bank account and I can't due to this and they won't be with me every time that I tried getting remove taking me the round around from XXXX  to Bank of America and then from Bank of America to XXXX seems like they don't want to help me out with my problem when I never committed anything I never did anything wrong and they never gave me any answers on why they closed my account when it got close
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XX/XX/2020 Not the same complaint you keep closing it out without proof You close it without showing me anything Cfpd stop letting them close this without proof
Product: Credit reporting or other personal consumer reports

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

Disputed with all credit companies the original creditor is XXXX I paid my bill in full and was able to switch my phone over to other company couple years later I received a collection notice for XXXXXXXX XXXX  I contacted XXXX they said there was nothing they could do because the account was sold so I got in contact with the debt collector and asked for original signed copies with my signature they never reply I never received anything except a bill from them any time I dispute it it comes back verified now the debt collector sold my collection account I tried to dispute it after gaining acknowledgment of this and its still coming back verified
Product: Credit reporting or other personal consumer reports

i am a victim of data breach and identity theft please block and delete these accounts from my credit file unauthorized charges and unauthorized accounts frca pursant 15 605b15 1681-c2
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not deceased. i have filed a complaint with the CFPB last month and received a letter back stating that XXXX XXXX made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN TRANSUNION, XXXX AND XXXX. NOW I WAS DECLINED A XXXX  LOAN.
Product: Credit reporting or other personal consumer reports

I disputed accounts that were to be removed and were not thoroughly investigated by Experian per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) it is required that a thorough investigation be conducted of disputed items within a 30-day period. Failure to delete items violates federal law. I expect Experian to correct or delete any information that is inaccurate or can not be verified.
Product: Checking or savings account

For the past 3 weeks Ive been trying to access my funds but this bank froze my account asking for verification of my id, social security and address. I sent pictures of my passport, social security card and my SSI award letter with my address. I am currently living with a family member since I am on XXXX and can not work so I have no bills or paystubs with my address. This bank wont accept my award letter and will not allow me to get my only money to live. They are discriminating against those that relay on family to live with. How can I show my address on a bill when I dont pay any. Im XXXX.
Product: Credit reporting or other personal consumer reports

New Complaint : New FTC complaint Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX am writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

Capital One Auto Finance holds the title to our XXXX Subaru Forrester which has XXXX miles and needs $ XXXX costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to {$5000.00}. We do not agree and have an on-line statement showing a XXXX XXXX balance. About 15-18 months ago we contacted XXXX XXXX at CapOne who became our customer advocate to stop credit and collection calls that we were getting XXXX times a dayXXXX days a week. His number XXXX, ext XXXX ... he has stopped returning our calls since he placed a " cease and desist '' order on our account. A CapOne rep recently told us their policy was that no one could communicate, send emails or statements, or have any contact unless we lifted the order or got an attorney. We are basically hostages because every credit report shows an open balance for over 500+ days
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017, I sig ned up for one year of credit monitoring services with Equifax  Personal Solutions 's Complete Advantage Plan. This product is advertised as providing " cre dit report assistance '' and prioritized customer support.  <P/> On  XXXX   XXXX     2017, I ob tained a judgment for a legal name change and contacted Equifax immediately to inform them that, as the judgment was tied to a protective order, I needed my name change expedited on both my customer account as well as my credit report ( for the latter, I initiated the formal disputes process ). Equifax did n't provide me with any information over the phone and my emails received no responses for days at a time. Eventually they told me that I needed to fax them another copy of relevant legal documentation, even though I had previously emailed it to them twice and submitted it with my consumer file dispute on  XXXX   XXXX   2017.   <P/> On  XXXX   XXXX   2017, I  sent Equifax the required information for a fourth time, this time sending via fax. It has now been eight days and I have not received any acknowledgment of receipt, nor has my name been updated on my consumer account.  <P/> In addition, a number of features tied to the Complet e Advantage Plan revolve around comparing your credit to others in your geographic region. This feature is still pulling a ZIP code of mine from two  years ago, not in alignment with my credit report or customer account. I 'm paying for a feature that I needed that does n't even work.  <P/> I am very unhappy with the fact that I am paying Equifax a premium for prioritized customer support and this matter has gone without resolution for 40 days now. Due to the urgency of this matter I have decided to escalate accordingly.
Product: Debt collection

I contacted XXXX XXXX XXXX over 30 days ago requesting validation for the alleged debt that they say I owe them. I have not received any proper validation as I requested. I also do not have any contract or have done any business with this company.
Product: Checking or savings account

Robin Hood will not let me withdraw my funds. I have attempted to contact them on several occasions but all I get back is a form letter and they do not follow up on additional inquiries. I can deposit funds and trade but they refuse to let me withdraw. I keep getting an error that says " withdrawal locked ''. My funds are marked as available in my account. I have submitted 3 tickets and I get no response other then a canned response. 


XXXX case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Mortgage

The full details and supporting documentation related to this complaint are enclosed in the attached letter below, which was sent directly to Selene Finance earlier this week. A brief summary of the complaint is : Selene Finance has requested that we place insurance coverage on a property that we no longer own, and that has been released from the mortgage that Selene Finance services for us. They have indicated that if we do not bind insurance, they may place forced coverage on the property at a significant expense to us, and charge us via the escrow account that we maintain with them.
Product: Credit reporting or other personal consumer reports

Did not send me a copy of the original contract and reporting inaccurate last date of payments on XXXXXXXX XXXXXXXX and Equifax. Used my information without my knowledge under FCRA Section 605B
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, necessitates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.