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

Received XXXX online Saving account statement from Goldman Sachs Bank USA XXXX PA on XX/XX/XXXX. 

I never opened it and never give permission to anybody about my personal information. 

I called XXXX XX/XX/XXXX XXXX XXXX and talked agent for 15 minutes, possible fraud and got advised call tomorrow morning I called again on XX/XX/XXXX XXXX XXXX  for 49 minutes. 

Bank can not provide me any detail information on my information that someone gave to Bank. 
Refuse to give any fraudulent activity 's that I would like to see. 

Bank refer to their fraud unit and I requested closed account and information, Bank will send close notification, not the detail information. 

Bank should not open this account with fake email address and telephone number. 

Bank should not advertise in website " secure online Bank etc '' Bank do not have strong internal system to prevent " victim 's '' like me. 

I am worrying very much that XXXX XXXXXXXX XXXX fake account use by criminal activity. I could not sleep at all to worry about this.
Product: Credit card

I had signed a contract for a XXXX interest free period with a Citibank third party ( Home Depot/ Statewide ). I had asked Citibank to listen to the recording and verify that I had infact signed up for a 24 month interest free loan. The mistake was made by the XXXX XXXX when they signed me up with Citibank ( or a booking error by XXXX ). I truly feel wronged about being charged interest after XXXX months due to an internal mistake between Citibank XXXX parties. Very unethical to say that this is my problem just because I did not check my statement earlier and call to rectify it. It should be quite simple for Citibank to listen to the call in which the contract was made and verify that the interest-free period is for 24 months.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Product: Debt collection

As of XX/XX/year>, medical debt in collections is no longer allowed on credit reports in the United States.

The CFPBs new rule amends Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), to end this exception and establish guardrails for credit reporting companies, prohibiting them from including medical bills on credit reports sent to lenders, who are banned from considering them. The final rule : Prohibits lenders from considering medical information : The rule ends the special regulatory carveout that previously allowed creditors to use certain medical information in making lending decisions. This means lenders will also be barred from using information about medical devices, such as prosthetic limbs, that could be used to require that the devices serve as collateral for a loan for the purposes of repossession. 
Bans medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of several fraudulent accounts and inquiries that have been reported on my credit file. I am a victim of a recent data breach, and these accounts were opened or reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent items : XXXX Accounts : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6500.00} XXXX. XXXXXXXX XXXXReported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$29.00} XXXX. XXXX Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$95.00} XXXX. Utility Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$97.00} XXXX. XXXX Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$16.00} XXXX. XXXX Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9.00} XXXX. XXXX Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$220.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. Unauthorized XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8800.00} XXXX. XXXX Collect o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$720.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8800.00} XXXX. Insurance Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Debt collection

Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not  assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Ca

sh 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 card or prepaid card

My issue is with American Express and their Serve Prepaid Debit card. Had the card for over 5 years, was using it regularly, had a portion of my pay direct deposited to it each pay period for 5 years. tried to log in one day approximately 5 weeks ago, was told the card had been suspended due to potential fraudulent activity. I said ok, could you please tell me what the fraud was about, as I never did anything illegal or against terms with the card, and more importantly, was I going to get my remaining balance, approximately {$220.00}, back. Was told they could n't provide any information regardign the " fraud '', and that it would take several weeks to resolvle, and that I 'd receive my funds once the investigation was complete. Called again a couple weeks later, same story. During that time I the portion of my pay, {$1200.00}, that normally went to the card from my pay went to some limbo, was able to get it back from my employer, but did n't get until 10 days later than I normally do. Was recommended by an attorney friend to contact CFPB office regarding this matter, as it 's been almost six weeks now and have n't heard anything else from them, and havent ' received my funds.
Product: Debt collection

Incessant harassment, refusal to negotiate the damage done to my credit.
Product: Credit reporting or other personal consumer reports

First I sent XXXX XXXX a debt verification letter demanding a contract with my wet signature I never did buisness with them. I sent the letter certified they signed it and I got the green part back I waited 35 days with no response. 

Next I sent all that information to Transunion they got the certified mail XXXX. I got a letter a week later from Transunion they responded they need at least until XX/XX/2024. So far I got know Response from them. Its like they never acknowledged the dispute.by law after 30 days it needs to be removed. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX  Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan to purchase a condo in South Carolina with Atlantic Bay Mortgage with XXXX XXXX. In the beginning, I secured the transfer of my job to the new clinic XX/XX/XXXX which was prior to closing on the XXXX. Note : I would have been agreeable to postpone closing should it have been necessary. I had notified all parties of the confirmation letter of my acceptance of the secured job but XXXX XXXX proceeded to process the loan as an investment rather than a primary residence. This IS my primary residence. I DID provide proof of employment and confirmation of the transfer. It appears it would have been too much trouble for him to save me any money on the loan by processing it as a primary residence because it had already done the work for an investment loan.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CPFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, XXXX ARE REPORTING A XXXX XXXX BANKRUTCY ON MY CREDIT REPORT. THE ACCOUNT IS NOT MINE AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Payday loan

TD Bank is charging me through a payday loan lender more than {$1500.00} USD for payday loans that they have my social security # that I 'd never applied for.
Product: Debt collection

A company called, Conserve, from the State of New York, has managed to place a collection account on my XXXX Credit Report, even though I have a freeze. In addition, I did not receive any communication from this agency at all. They have not telephoned, written : nothing. The XXXX statement claims that it originates from XXXX, XXXX, which also did not write, email, or telephone. XXXX XXXX is engaged in fraud for doing this, and I intend to sue. I am tired of organizations trying to fleece the average citizen, and I won't accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus but the auto loan still remains. This items does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought home on XX/XX/2019 from XXXX  XXXX. Stearns Lending, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, Stearns Lending sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both Stearns and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with XXXX   to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the Stearns and XXXX XXXX, who Stearns told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.
Product: Credit reporting or other personal consumer reports

I bought the car from XXXX XXXX and they made me believe that everything is set for payments and I need not worry about anything. on the contrary this was not the case. when I saw a hit on my credit report, then is when I realized that there is a missing payment. When I called them, they said you will have to setup payments. When this was informed I immediately made the payment. 
I reached out to Honda Finance to get this fixed and remove the late payment as this was not my fault and I was made to believe that everything is good, but they refused to take off the credit mark. 
Also, they did confirm that they had a wrong telephone number written on my credit application, as a result they were not able to reach me. Again this was their fault and not my fault. My credit score has taken a bad hit due to this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.