23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, XXXX, and Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Money transfer, virtual currency, or money service

On XX/XX/year>, total amount {$600.00}. I was scammed. I have reported the issue to the company with proof of the fraud/scam and they have refused to look into it to refund me my amount. I have been blocked from the user by phone and on Cashapp. I have a family to feed and just losing out on funds is not fair as well as not having a fair investigation. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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: Debt collection

On my XXXX, Seccredit has furnished information, re-aging a debt on my credit report. The original creditor was XXXX. They then removed the debt after they resold the debt. The original debt was over $ XXXX but once sold, it was inserted onto my credit report for the amount of {$4500.00}. Upon reviewing my report, my report reflects that i made payments from XX/XX/XXXX which is untrue as the date of last payment is stated for XXXX which is also untrue and is not even in the 180 period from last date of delinquency. They also state that the account status is open. 
On my XX/XX/XXXXand XX/XX/XXXXthe creditor ( same third party agency ) is listed as SecurityCred and states the original creditor, 09 XX/XX/XXXX. They do not show the date of last payment. Theyre not reporting accurate information and are pulling illegal tactics to re-age this debt. This collection is furnished under 625 ( 5 ) A and is using illegal tactics to re-age/furnish this debt hurting me. 
I have disputed with all 3 bureaus. Ive disputed twice with XX/XX/XXXX. I have demanded debt validation from the collection which have been ignored. This will be my last attempt then i will resort to taking this to court.
Product: Credit reporting

On Thursday, XXXX XXXX, XXXX, I was offered by XXXX XXXX, on behalf of XXXX XXXX XXXX, the ability to pay off the remaining balance of the account with XXXX payments of {$710.00} on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Once it was paid I began to dispute the remaining balance on my credit report, which showed as still owing over {$3000.00}. When I received my Paid in Full, Resolved letter from XXXX XXXX on XXXX XXXX, XXXX, I submitted that to Equifax and XXXX online ( XXXX I am required to mail in the information ). XXXX has changed the balance to {$0.00}, but Equifax refuses to acknowledge that the balance is now {$0.00} as agreed upon with XXXX XXXX XXXX and XXXX XXXX. This continues to negatively affect my credit score and my ability to receive any credit in the future, and it is wrong for them to continually report that I have a balance when, in fact, I do not, and it was paid off six months ago. 

Additionally, they are reporting XXXX credit card balance TWICE on my credit report, and even though I have disputed that as incorrect numerous times, they refuse to modify my credit report to show the remaining balance once.
Product: Debt collection

CONTRACT CALLERS INC # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well XXXX 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to New York City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Product: Mortgage

XXXX XXXX XXXX failed to make payments from escrow for taxes and insurance on a mortgage account. 
On XX/XX/2016 I received a notice from my insurance company that the annual premium for the real estate insurance had not been paid. I then logged into my account with XXXX XXXX XXXX and discovered that neither the insurance or taxes, which were both past due, had been paid out of the escrow account. I then filled out their online contact form and mailed a copy of the bill to the address indicated on the back of the monthly statement. No response to either correspondence has been received. I filed a complaint with the XXXX and the company failed to respond to either inquiry from them. I have since paid the insurance bill to keep the account in good standing. The tax bill is still due.
Product: Money transfer, virtual currency, or money service

This is a continuance of issues as this is now my second time having my funds placed on hold with my merchant account XXXX XXXX XXXX XXXX ; email : XXXX. On XX/XX/2023 I confirmed and marked as complete three transactions with my merchant account on PayPal for {$55.00}, {$190.00}, {$250.00}. All of these transactions were immediately placed on hold without being provided a clear reason as to why. The message I read on the site said it may take up to 21 days for the funds to be released. Upon trying to remove the hold on the site it stated that I needed to provide tracking information or a shipping label for these transactions which is a violation of several Federal laws. PayPal is only a payment processor for my merchant account and I do not have any contract or fiduciary responsibility requiring me to disclose that information to PayPal. Additionally, there is no way or a need to provide a tracking number or shipping label if the transactions were for a service. I reached out to customer service and asked for my funds to be immediately released. The agent released only one of the transactions of {$55.00} and stated I had to wait for the additional funds to be released. I provided confirmation that the transactions have been completed and my funds should be released immediately. As of XX/XX/2023 I have not received a response back from the customer service agent XXXX. PayPal has breached their fiduciary responsibility by having my funds placed on hold against my will which is extortion, a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.
Product: Student loan

Navient Account No : XXXX We refinanced our home to payback the largest amount of my son 's school loan due to the excessively high interest rates that were are being charged. The mortgage company delayed the original closing by 19 days so I made an additional payment to my school loans which became due between XX/XX/XXXX ( when we were supposed to close ) and XX/XX/XXXX. The mortgage company being the idiots they are did not pull another closing amount but just told us the company could refund us the over payment. Navient received their money on XX/XX/XXXX ( I have a registered receipt with the date and person receiving our payments ) only credited the money to our account on XX/XX/XXXX and then kept the extra {$1200.00} overpayment. I looked up the instructions on the Navient website on how to send in the payments and followed the instructions indicating the two loans to be cleared and the balances to be refunded. Navient chose to ignore these instructions. I have called them 3 times and on the last two occassions they indicated they would be refunding the balance - the first person said by direct deposit as that is how they get paid and the second woman said they would mail a check. This was over 6 weeks ago and they are still holding my money.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling. They informed me that recovering lost funds was impossible & that tracking these transactions was unfeasible.

The CFPB 's findings indicate that Zelle has not only neglected to protect consumbers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lact of accountability & transparency is unacceptable and raised serious concerns about consumr safety.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

XXXX : XXXX. XXXX, XXXX CAPITAL XXXX BANK XXXX XXXX CAPITAL XXXX XXXX XXXX, VA XXXX I have legal representation. Here is my lawyers contact information : The XXXX Firm Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Tel : XXXX Fax : XXXX The information should be removed from my credit report in the next XXXX days if you can not verify the original contract with a signature. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

On XX/XX/XXXX someone has fraudulently opened and acct under my name with Barclays Bank Delaware. 

I have reported this info to Barclays Bank, they have completed their investigation and assured me that this account will be closed and removed from all credit reporting agencies. 

I have also received a later from Barclays Bank dated on XX/XX/XXXX stating such : " Dear XXXX, This letter confirms that the fraud investigation has been completed on the above referenced Frontier Airlines account. After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud related information from your credit report. '' - End of first paragraph. 

As of today, XX/XX/XXXX this account is till on my account and I been on hold with Barclay Bank for over an hour after which the lady that picked up the phone hanged up on me. 

I'm very disappointed and would like your help in making a report in being a victim of fraud. 

I kindly thank you all in advance for all the help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Wrote to Equifax to fix an error on my credit report and they have not even responded. 
I have requested they review, and fix or remove an incorrectly reported item
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Sunday XX/XX/XXXX I received a text message from Berkshire Bank asking me to authorize transactions to my account. These were not me, so I quickly replied and said no. I then receive a call from Berkshire Bank asking once again to authorize the four transactions, all that I said no, I don't authorize. They closed my debit card and I thought it was settled. Today, the XXXX of XXXX, I notice all transactions were posted to my account, even though I did not authorize them. 

I call the bank and they tell me " well once it's authorize, all we can do is dispute it. '' even though I did NOT authorize TWO different times. So now I am out {$400.00} because the bank let these transactions get posted. My money was stolen by a hacker and now it's stolen by the bank. I am beyond livid with how this was handled. I have been a customer of this bank for nearly a decade and I feel completely robbed and unprotected. What is the point of their fraud service if they're going to take my money for the next 90 days? I'm disgusted with Berkshire Bank and their way of handling this situation. 

The amounts were : {$100.00}, {$73.00}, {$53.00}, {$50.00}, and {$100.00}, all to XXXX XXXX. It's obvious my account was hacked and used to purchase XXXX  video games. This is {$400.00} of MY money and I want it back.
Product: Mortgage

We had started having ACH blocking issues with our back which resulted in a return of ALL payments paid in this manor including our mortgage. Once we noticed the amount of fees we were being charged we realized there was a problem. After of 6 months of these returns and the run around from the bank it was shown that a representative had placed a block on ALL ACH payments instead of a single one that was requested. 
We had spent all that time catching up on all returned payments because the amount paid in fees left us short and we are on a fixed income. We tried working with the Mortgage company thought this entire time and set up payment arrangements starting in XX/XX/XXXX. Our payment for the first installment was sent by mail which was the only method accepted, but never made it or was not received in which we were NEVER informed of this. After attempting another refinance to start fresh we discovered that the payments were missing. This started us down the path of Loan Modification in which we were denied at the end of XXXX, we appealed and were denied and NEVER informed and our house was put in Foreclosure XX/XX/XXXX and we were NEVER informed. We found out when I called to see about the Appeal. All the while we were told to NOT PAY! 
We are now attempting to stop the foreclosure by applying for modification AGAIN but still getting the run around.