23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The Wells Fargo Bank said they are going to close my account on the XXXX, I had {$5000.00} in the checking account and they have not stated why they are closing the account. Am currently in XXXX using my card and if it closes I wont have access to any funds.
Product: Credit reporting or other personal consumer reports

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.
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 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

I was advised you guys can help me with a bankruptcy thats on my experian credit. I dont know where that came from because I have never filed bankruptcy and never had a need to. Can someone please help me with this.
Product: Credit reporting or other personal consumer reports

Hello there! 

Within the last three months of XXXX TransUnion started to report a closed in debt account called security credit services on my credit report. This is problematic because I do not own a debt with security credit services & I do not owe any debt to the apparent original creditor. I called the original creditor and demanded their fraud department help me out with this one. They didnt bother helping after saying they would reach back out. Then I tried contacting security credit services to no avail. Finally today on XX/XX/XXXX, I see that that not only is Transunion still reporting this fraudulent account as mine but they also changed the status from CLOSED To REOPEN this is extremely inaccurate. I demand Transunion remove this account off my credit report immediately. 

To confirm, I NEVER opened an account with the original creditor or security credit services. I gave no authorization for no account to be opened under my identity. I also gave no authorization for this debt to be listed as mine without the credit bureau properly validating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN THREW TAX THIEF & EQUIFAX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX, Acct # XXXX, Amount {$860.00}, XXXX XXXX, Acct # XXXX, Amount {$870.00} & Acct # XXXX, Amount {$1400.00} XXXX XXXX, Acct # XXXX, Amount {$540.00}, XXXX XXXX, Acct # XXXX, Amount {$870.00} and XXXX XXXX, Acct # XXXX, Amount {$350.00}. 

These companies are 3rd party debt collectors and or financial institutions. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to these companies three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, and Experian are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX  nor the consumer reporting agencies, XXXX, XXXX, and Experian, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXX did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.

Without Recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT ED/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX, and NELNET LOAN SERVICES. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and NELNET LOAN SERVICES with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of my intent to initiate arbitration proceedings to resolve the disputes concerning my credit report, which have not been adequately addressed despite prior attempts to rectify the situation through the conventional dispute resolution process. On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts listed below on my credit report and subsequently REMOVED them from their records. I am kindly requesting your company to take the appropriate steps to DELTE these items. On XX/XX/2023, I submitted a formal dispute regarding several inaccuracies on my credit report. These inaccuracies have had a significantly adverse impact on my creditworthiness and financial standing. The disputed items include, but are not limited to : Account Name XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX  XXXX Account Number- XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX  Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX Account number XXXX, XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agency is mandated to conduct a thorough and timely investigation into these disputes and provide a written explanation of the investigation results within 30 days. Regrettably, the investigation conducted thus far has not resulted in a satisfactory resolution, nor have I received a detailed written explanation of the results, as required by law. Please Delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. Credit report should be 100 % accurate. 15 U.S.C 1681 section 602 A states, I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX account to my credit that is fraudulent. I have been submitting dispute and complaint after complaint trying to get this resolved. My next step is a law suit. I will be attaching documents below from XXXX  XXXX themselves verifying they're using the address XXXX XXXX XXXX  XXXX to link me to this XXXX  XXXX account. That is impossible as there is no XXXX XXXX XXXX XXXX on my credit report and that was never my address. XXXX XXXX and XXXX is not reporting this XXXX XXXX account as they could not verify it belongs to me and it was deleted. Experian has come back time after time saying they verified this account which is once again impossible as it is not on any other credit report and that address is fraudulent and not linked to me. Experian is violating my FCRA rights and I need immediate action taken.
Product: Debt collection

Portfolio Recovery has been calling my phone number since I got the phone number, before I actually plugged a phone in. They call at all hours of the day numerous times. I have repeatedly informed them that they have a wrong number and they refuse to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXXXXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 it also states a consumer reporting agency cannon furnish an account without my written instructions.
Product: Debt collection

Midland credit management has fail to provided me with documentation that the account belongs to me.
Product: Checking or savings account

Capitol one has not paid me!! Multiple accounts now are past due!! I need my paycheck!
Product: Debt collection

On XX/XX/2022, Charter communications claim that the account became delinquent, and on XX/XX/2022, the account was sent to a collection agency with an owed balance of {$1500.00}. I advised them that this is not my account. They claim it is mine because payments were made. They harassed me with phone calls three or more times a day.
Product: Debt collection

On XX/XX/year> a debt that occurred due to identify theft was placed into collections. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may have presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I believe the debt may be in dispute or that I am not legally obligated to pay these amounts. As such, I request that you immediately halt all communication with me, including phone calls, letters, or any other forms of contact, regarding these accounts. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request that you stop contacting me in any form. This letter serves as my official notice to do so. Furthermore, if you continue to pursue this debt collection or attempt to contact me about these accounts, I will consider taking further legal action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. Please be advised that if this matter is related to an incorrect or disputed debt, I also request that you provide me with validation of the debt, as required under the FDCPA. 
Please acknowledge receipt of this letter, and ensure that all collection activities cease immediately.
Product: Credit card

I was billed {$7400.00} when in fact the amount was {$3700.00}. In addition to that I was charged another {$120.00}. 

I called Citibank on XX/XX/24 and spoke to three representatives from XXXX ( XXXX, XXXX and XXXX ) @ XXXX EST and they told me that they could not access the information. 

Please help me get this resolved. 

Thanks - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023, XX/XX/2023, and XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Debt collection

the debt was a medical debt that occured on XX/XX/XXXX XXXX. the amount was for {$67.00} cents. i did not know that i had to pay this because i thought the V.A would cover the bill that`s the reason i did not pay it. it was on XX/XX/2020 the bill was turn over to collections the collection company names mid-south adjustments com on XX/XX/2020. 
I called mid south co to say i wanted to pay the bill in full would they take the collection off my credit report? the person said no then i asked to speak with a supervisor with authorty to remove collection off my report. I talk with them they said no they could not remove the collection off my credit report. they could only say paid in full but not remove. I then called the office ( XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that the bill originated from and talked to a supervisor with authorty to removed the collection also told them i would pay them directly at their office if they could removed the collection from my credit report they also said no. i told them i wanted to pay the debt in full {$67.00} cents if they could please remove it from my report. VETERANS ADMIN IS WHO I THOUGHT WAS SUPPOSE TO PAY THE BILL.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE CAPITAL ONE DATA BREACH MY 2 CAPITAL ONE ACCOUNTS ARE MIS REPORTING ON XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making my payment to XXXX XXXX which is who was my original lender. I did not know my loan was sold to XXXX XXXX XXXX. I only had my loan for 3 months before it was sold to another loan and did not know where my money was going. I request that the late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be changed to current, due to the fact that I made the payment on time but was not aware my loan was sold to another mortgage company. Now I have my account set up with the correct mortgage company I will have no issues with making on time payments to the correct lender. My credit score has been affected due to this misunderstanding.
Product: Debt collection

This is My second complaint against this company who has still failed to validate a debt that they are reporting to the credit bureaus. Their reply to my first complaint was that they validated my debt because of an address they sent statements to. That is not a legitimate proof a debt. They also stated a application was done online. 
I am now requesting copies of what they are entailing on their response. I am asking they validate my debt under the FCRA. They are in violation of the law and have not been responsive to me in my request. 
I would like proof that they sent correspondence to that address they have on file and also a copy of an online application. That stated they used Public records I do not have a middle initial to my name. The public records is tied to a person with the same name as me but has a middle initial. This is fraudulent and I demand I proper validation of debt. 
I have proof that the inquiry in my report from capital one was proven to not be me and that was sent to me from Capital one themselves. They are now in violation of the FCRA under section 604 A B and section 809B
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.
Product: Student loan

This a XXXX XXXX loan for my daughter. She graduated in XX/XX/XXXX. Our loan is through Navient, The next payment is due on XX/XX/XXXX for {$800.00}. Navient tells me they can not lower my payment. I am trying to figure a way to make the payment more manageable. Do you have any ideas. 

XXXX XXXX Balance {$100000.00} XXXX XXXX  XXXX XXXX. 
XXXX, Pa XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Over the past 2 years, my bank account has been heavily affected by fraudulent activity. Last XXXX, ( 2023 ) my fiance found a lawyer who claimed that he could help us to get our money back. XXXX spoke to him on the phone ( I think ) and he requested us to pay him through Venmo. Later, we realized that this was a scam, after we sent him several transactions of payments, and we did not hear from him. I have tried working through Venmo, but they have been no help in getting me anything back. 
The following are the ( posted ) dates and the amounts : XX/XX/year> : {$700.00} XX/XX/year> : {$700.00} XX/XX/year> : {$700.00} XX/XX/year> : {$350.00} XX/XX/year> : {$350.00} Besides this, my Venmo account was actually not affected by the other frauds on my bank account. However, I really need this money back, as I am still having financial difficulty de to fraud. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misuse of my credit report. 
15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt