23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed this debt a year ago and sent them a debt validation letter requesting multiple documents to prove I owe this debt which I do not and was told by NCA they would temporarily cease collection activity and validate the account withing 30 days. I was told I would receive the validation in mail and have not. It has been a total of 9months, well over the 30 days to validate the account and the account has still not been validated, i have not received any documentation of original contract with signature, payment history or a detailed reconciliation of this account with a breakdown of fees, Proof of collection authorization in the state of Michigan as well as proof of debt assignment. I am requesting this to be removed immediately from all credit reports and to tender me {$1000.00} for violating my rights
Product: Checking or savings account

On XX/XX/2020 Citibank put a block on my account and insisted on replacing my debit card. They assured me that the block would be removed once I activated the new debit card. The new card arrived, I activated it but they did not remove the block on my account. I called customer service and asked them to please remove the block from my account and they then changed their story and insisted that I needed to open a new account. I informed them that I already had another account with Citibank but they still refused to allow me access to my funds. I called upwards of 15 times and each time I was either hung up on or given the run around. We are in the middle of a pandemic and my family is struggling financially. Denying access to needed funds for no apparent reason is unethical and morally wrong.
Product: Checking or savings account

On XXXX of 2008 at around XXXX i tried to withdraw {$400.00} from my Wells Fargo account at a Wells Fargo ATM located at XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX California XXXX. The ATM did not give me the money and the {$400.00} we're still debited from my account. I would have spoken to a banker at the moment but the bank was closed, so I went in the next business day only to be mistreated and called a " scammer '' and a " thief '' by the bank manager who didn't even give me a chance to talk to her about what had happened, a banker told her what I was there for. She told security to escort me out of the branch. On my own I figured I should call Wells Fargo customer support, I did but they needed a receipt of the transaction... and so it never got resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX This account is showing 3 different versions of 2 year history across my credit reports. 

On XXXX the account was 120 days late in XX/XX/year> and is still reporting an " on time '' payments status On Experian the account was 150 days late in XX/XX/year> and is reporting " charged off '' On XXXX the account has no 2 year history at all The dates of payments listed on my credit report are inaccurate across all three major credit reporting agencies, including yours. These dates do not accurately reflect my actual payment history. 

If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account number : XXXX XXXX  XXXX Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), if the information is found to be inaccurate you are obligated to promptly delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has inaccurately reflected negative information on my credit score which has corrupted reputation with potential landowners leasing property, and employment chances were nulled as a result of providing impermissible information about me according to the FAIR CREDIT REPORTING ACT.

FURTHERMORE, has charged to reveal my credit score information to myself which again violates the FAIR CREDIT REPORTING ACT.

CONSEQUENTLY, I have contacted and filed a complaint with them in the past year demanding that they correct, delete, and/or remove the erroneous information on file. subsequently after being charged a fee which was never reimbursed and has violated the FAIR CREDIT REPORTING ACT.

REPORTING agencies mustn't disseminate erroneous or outdated negative information which is a complete violation of the FAIR CREDIT REPORTING ACT.

XXXX XXXX is not allowed to send my information to any employer nor any entity without my written consent clearly indicating that it is permissible, and in doing so is a direct VIOLATION of the FAIR CREDIT REPORTING ACT. 

AS a consequence of these blatant VIOLATIONS the undersigned has experienced an extremely poor score and must be corrected immediately. 

In truth, ( E.R ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX SXXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
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, theyre dispute 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXXXXXX  XXXX XXXX****, XXXX XXXX XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX**** and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 2500****
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed.

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX  High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor.

Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Product: Mortgage

this is a new, and continuation of previous complain about ( bank of america mortgage line of credit loan # ending XXXX ) company contacted me but as soon as my complain was closed, they dropped the ball, waited called waited few days before they finally call me, but my questions have not been answered, please do n't get me wrong regulatory complain person, XXXX XXXX, is a very nice person, it 's too bad that I got no where with information that her team provided for me, example to give you reading this, I got little to none answers considering how long it took there team to get back to me, and the information they have does n't agree with what I have, unless, am missing something? and I would not be complaining again if they would not be so mysterious about answering my messages, It 's has become clear to me that bank of america is not working with facts my credit line for example, was never up to the limit of XXXX as a matter of fact, it was XXXX and later reduced, drastically with the mortgage crises of the 2008, and let me give you one more example my XXXX system is telling me that am taking to long so I will stop here,
Product: Credit card

I have had numerous challenges with the billing practices of Synchrony Bank regarding my XXXX XXXXSynchrony Car Care Card. Consistently, I will log into my account to find my available credit is lower than it should be due to duplicate entries of activity on my account. For instance, I charged {$45.00} on XX/XX/year> for gas. I checked my account days later to ensure it was posted before paying to satisfy these charges. Payment made on XX/XX/year> of {$200.00} to cover the card balance before the statement closing date for this month. I received a Synchrony email on XX/XX/year> at XXXX am to advise the payment made on XX/XX/year> of {$200.00} was posted. Upon logging into my account on XX/XX/year>, the payment is not posted. It is notated as " pending. '' XX/XX/year> I logged into my account to see my available credit is {$45.00} lower than my credit limit in spite of the {$200.00} payment on XX/XX/year> being posted & reflecting on my payment history plus no additional transactions made on my card. I reached out to speak with a customer service agent ( XXXX ) who told me this is normal when I make a payment and charge within 24-48 hours of each other. This explanation was irrelevant and inaccurate ; my last charge was XX/XX/year> while the last payment was XX/XX/year>. The time elapsed would be more than 48 hours between these two dates. Additionally, I requested supervisor assistance in hopes of a more experienced agent having more resources & context to enlighten me on the details. The supervisor ( XXXX ) advised there is always a 7-day hold on the transaction amount so despite the payment being satisfied I'm still under the 7-day hold policy which impacts my available credit. Due to this new and undocumented detail of the account policy, I asked for cardholder literature on this policy to be issued to me for my review to enlighten myself on the details of my account moving forward. XXXX searched for the info and advised she didn't see these specific details on the terms listed she was planning to issue. She advised she would send feedback of my consumer to corporate-level management and I stated I would move forward with my CFPB complaint. I find Synchrony 's business practices to be unethical and deceptive considering I'm consistently making a diligent effort to proactively communicate to use my card responsibly yet I'm still subject to the game of unknown with my account activities posting in a timely manner. I would appreciate any assistance in educating me on the circumstances creating these repeated challenges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters to all three credit reporting agencies Experian, XXXX and XXXX regards to XXXX XXXX XXXX XXXX. It saying that I opened a account in XX/XX/XXXX. I never opened up this account. They are saying I have several missed payments. They are saying that the s account is going to. Affect me to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synchrony bank calls back to back everyday all day because I am late, I have spoke them and explained my wife has lost her job and I 'll pay as soon as I can. The calls come as frequently as 2 minutes apart and as much as 10 times a day
Product: Debt collection

Account from Portfolio Asset Recovery showed up on credit report without any notice. Company will not send me any information about the account. Not sure if reported account even belongs to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a notice from B.O.A regarding an unauthorized XXXX payment in the amount of {$300.00} to XXXX On XX/XX/XXXX I contacted B.O.A and on XX/XX/XXXX I received a message from B.O.A advising that they credited my account and they were researching the claim. To this date I have not received further information regarding the claim. 

XX/XX/XXXX XXXX XXXX Alert from Bank of America regarding a {$1500.00} transfer out of my savings account and requesting confirmation of whether I made the request or not. 
XX/XX/XXXX XXXX XXXX. Received an email from Bank of America with info the recipient info of the transfer to a XXXX and it was transferred. 
XX/XX/XXXX XXXX XXXX.- received an email alert that the transfer was complete with transaction number XXXX conf. XXXX XXXX. 
On XX/XX/XXXX I had outpatient XXXX and was recovering until approximately XXXX that afternoon at which time I saw the 3 emails for the first time. I immediately contacted B.O.A to advise them that the transfer request was not authorized by me. They immediately closed my checking and savings account and locked my online banking account. At that time B.O.A started an investigation into the fraudulent activity. 
On approximately XX/XX/XXXX A B.O.A Associate contacted me and asked me some questions. Did anyone use my phone? Did I know a XXXX? They subsequently advised me that the transfer was made from my phone and that they were not going to reimburse me the money. 
The following Day I went into B.O.A. and showed them the papers from the XXXX center and proving to them I did not use my phone when the transfer was made. B.O.A digital fraud dept. told me I need documentation from my wireless carrier stating that there was malware on my phone otherwise they could not honor my claim. 
I went to XXXX and talked to the tech dept. and they verified that there was no malware on my phone and was told that there are several other ways this could have happened. 
On doing some internet research of my own I found an F.B.I. bulletin dated XX/XX/XXXX The Data Phone Scam entitled The Latest Phone Scam Targeting Your Bank Account,, wherein was exact fraudulent activity I experienced during this event.
Product: Checking or savings account

On XX/XX/2024, between approximately XXXX and XXXX CST, I attempted to withdraw {$1000.00} plus a {$4.00} service fee from my checking account using my XXXX Navy Federal credit union debit card at a XXXX XXXX XXXX drive-up ATM ( ATM ID # XXXX ). During the transaction, the ATM failed to dispense the requested cash but returned my debit card. Suspecting a glitch, I attempted a second withdrawal of {$200.00}, which resulted in an error message from the ATM stating the request could not be processed, and my card was returned again.
Product: Credit card

on XX/XX/XXXX, XXXX in executive services informed me that my account was closed on XX/XX/XXXX for returned checks on the account that were fraudulently made. I informed the fraud department numerous times that I am in fact a victim of ID theft since XXXX and needed additional security measures added towards account. The fraud department declined disputes regarding fraud charges and directed me to standard dispute department, informing me that the charges were denied because I accessed the mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraud and do n't belong to me. I have disputed with XXXX, XXXX XXXX & Experian a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My student loans entered repayment with MOHELA in XXXX of XXXX. The government put all income driven repayment ( IDR ) on pause at that time. I was unable to apply for an IDR and Public Service Loan Forgiveness ( PSLF ) until my loans entered repayment in XXXX of XXXX. I submitted my application for both an XXXX plan and XXXX in XXXX of XXXX when my loans entered repayment. I XXXX XXXX XXXX XXXX XXXX XXXX  and would qualify for XXXX. Since the government was not and is still not processing these applications, I have not paid the monthly amount due. The IDR monthly payment would be around {$100.00} where the MOHELA monthly payment is {$810.00}. The full monthly payment will not count towards the XXXX IDR payment required for PSLF. When talking to customer service, they told me there was nothing they could do to help me and put me in a general forbearance. After speaking to a different representative, they told me that I should have been put on a processing forbearance because I am waiting for the applications to be processed by the government. I have been on 60-day forbearances since then. The monthly payment is {$0.00}, but my interest has been building since XXXX of XXXX. People who already were on IDR and have PSFL, have not been building interest or been charged since the government has been on pause. I think it would be fair if I was no longer charged interest on my loans since I am on a processing forbearance. I should not have been charged interest since XXXX of XXXX. The customer service at MOHELA is also horrible. You can only contact them via phone. Once you call, they put you on hold for 40-90 minutes. Once you pass that hold, they put you on a second hold ( I waited 2 hours ) to get you to the second group of people who can actually change things in your account. I was told that this is the only way to manage your account. I have to call every 60 days to ask for another processing forbearance taking up 3-4 hours of time. I am hoping for some resolutions to these issues. Thank you.
Product: Credit reporting or other personal consumer reports

These debt collector 's Pyold LLC and resurgent receivable LLC, have violated my rights. They have reported this alleged debt to my consumer report after i received the second letter in XX/XX/2022. I have put them 2 times on notice that this debt wasnt mine. They willfully and knowingly report false misleading information. 
It is a furnishers responsibility to report accurate information about a consumer. It is prohibited by law to report inaccurate information to the consumer reporting agencies about a consumer after receiving a notice that the information is wrong. Violation. 

You should know Im building my case if you fail to delete this debt. 
These debt collectors have harm my family Defamation of character Negligent non compliance Civil liability Mental anguish Enclosed I have put proof of my letter to the debt collectors Tracking number and Credit report