23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX upon reviewing my paycheck I noticed almost {$300.00} were missing, after contacting payroll services i became aware that a " garnishment '' had been placed under my name in the total amount of {$680.00} ( don't know if there are more to come ). Contacted XXXX and they referred me to XXXX under a collection agency apparently called " first collect '' and spoke to " XXXX '' who would then inform of a hospital bill under my name. The hospital is " XXXX XXXX XXXX '' in XXXX DE, according to XXXX from First Collect, this people used all my info and even took advantage of using my own medical insurance, the " date of judgement '' is XX/XX/XXXX so i have no idea when the incident actually happened. Needless to say I have NEVER in my life visited the state of Delaware and have never had the need to visit a hospital in my life. I was able to provide an address for the collection agency to send to my job in order stop garnishing my funds and I was also made aware that the funds that have been taken out of this paycheck is " supposed to be reversed '' i just don't know if its true or when this will be done. This situation completely took me off guard because I have never seen a medical bill from this place in my credit report and i have never received a letter of collection to my address in TX or a phone call which makes me think the fraudster may have given some of her contact info. The only other information I know ( from the collection agency ) is that aside from using all my info there was an address in " XXXX Delaware '' on file but the actual address was not given to me. So this person might still live there. I do believe this may be an undocumented person using my information to work because back in XXXX I almost got denied for unemployment due to the fact that " I was working in the fields '' but it was definitely not me as there has not been a need for me to work in this line of business. This ( i suspect ) is due to a car break before XXXX in in where someone stole my SSN, birth certificate, ID and a few other documents items that were left behind in my purse ; A police report was made under the car owner ( my friend ) in XXXX TX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX {$530000.00} XXXX XXXX XXXX XXXX {$7.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$60000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co : Account number XXXX Dear XXXX XXXX XXXX  : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

The 1st time I noticed was my credit card online showed where someone had done a credit check to see how my credit was.i think that's what it said I've had XXXX XXXX XXXX and have XXXX XXXX.im trying to rebuild my credit and that's why I noticed it cuz it affected my credit score. But I just blew it off. Then I had an alert on my credit card online or they said that someone had accessed one of my email accounts and my information was on the black web or something like that whatever it's called. So I went in and did what it told me to do and changed my password. That was first of XXXX of this year. I just went back and look and here 's what I guess I'm trying to say XXXX credit and credit wise are showing that someone tried to get a credit card with XXXX  XXXX on XX/XX/XXXX of this year I got my credit card with XXXX  XXXX in XXXX but I have never made the end for it and I believe they were checking their credit as well or would be my credit. Then again XX/XX/XXXX someone tried it again with XXXX XXXX and XXXX and credit live are showing it again either checking their credit or my credit trying to get credit or trying to open up a XXXX XXXX bank account or credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  CA XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Mortgage

This complaint relates to unresolved complaint # XXXX. 
The response submitted to me by Ocwen is not responsive. After spending approximately two hours on the phone with the Ocwen Ombudsman person assigned to my case, her response is still the same as when I filed the initial complaint. Her response still concludes that I am behind XXXX payment, which is precisely what my loan status was at that time. Despite confirming with her that every payment required by Ocwen of me - that being the regular principal and interest payments and repayment of outstanding escrow balance amounts - have been paid by me. The principal and interest payments due each month have been paid by me on time in the month due. The payments to repay escrow balances were fully paid by me once I became aware of the outstanding balance. There has been no outstanding escrow balance since XXXX XXXX, XXXX. 

After two hours spent, there was no dispute about this with her. 

I received a XXXX page response letter detailing Ocwen 's servicing procedures and accounting rules, which I do not care about. She concludes I am still delinquent by one month as of the date of her letter dated XXXX XXXX, XXXX. 

This simply can not be the case. I still need CFPB help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer services and unfair practices, which violate the consumer 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 funds transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Re : Claim XXXX for account ending in XXXX I made a purchase online using my bank debit card, I never received the purchase and when I reached out to the merchant, they declined to issue me a refund or provide me with a valid tracking number. I disputed the transaction with my bank and was issued a temporary credit, after the bank concluded it's investigate, my claim was denied and the temporary credit was taken back. The documentation the bank provided me showed a discrepancy with the transaction and shipping dates provided by the merchant, I pointed this out to the bank and gave them the invalid tracking number the merchant provided. I also reached out to the merchant with this information and they accepted their mistakes and agreed to issue me a refund in 3-5 business days, I never received the refund and I reached back out to the merchant. I was told they could not process the refund because of the chargeback. I have supplied all this information to the bank and they continue to deny my claim. The merchant has clearly stated they owe me a refund, there is no reason why my claim should not be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
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

In accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$27000.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX. {$15000.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX  {$5700.00} These account have violated my rights. 
I looked at my XXXX XXXX TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the inform of of. ation concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681 i 5 they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ), in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete, or can not be verified, The consumer reported agency shall ( I ) properly delete the item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; and ( ii ) properly notified the furniture of that information that the information has been modified or delete it from the file of the consumer.

And according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate. 
Thank you XXXX XXXX
Product: Credit card

I have contacted Marcus to raise my credit limit, which is {$300.00}. It is a GM Card. They refuse to do it, they say i do not use it enough, but {$300.00} is nothing, why would i use it? It makes no common sense. 
I contacted them last week, I believe it was XX/XX/year> and spoke with a CS rep and they weren't able to do anything about it. They said they would note the complaint or what not. 

I have also filed a XXXX complaint, and they aren't offering any latitude or resolution. 

My Credit score is not the issue here, nor is the income. Ever since they took over the GM card, the credit limits have been really low. If i charge purchases, it affects my credit score even with a minimal balance since the credit limit is so low. This company needs to be investigated for these practices. I can see them trying to rack up extra fees by folks going over their limit. They make it so hard to do business with
Product: Credit reporting, credit repair services, or other personal consumer reports

One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT NO XXXX IS REPORTING ON MY EXPERIAN AND XXXX FILES.EXPERIAN IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( XXXX XXXX Code XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.
Product: Credit card

After unfreezing all 3 of my credit bureau accounts ( XXXX, XXXX, and XXXX ), I applied on PayPal 's website ( as I was invited to do ) for their credit card, which is issued by Synchrony Bank. I was told that the application was denied because my XXXX credit file was frozen, and that I should contact XXXX. Which I did. And they confirmed that it was unfrozen. Also, that a " hard pull '' was done by Synchrony. They told me to contact " the issuer ''. Calling PayPal provided no resolution -- they told me to contact Synchrony. Calling Synchrony provided no resolution -- they told me to contact PayPal.

Searching on Google, I find hundreds of similar complaints about this particular card and Synchrony Bank on various discussion boards.
Product: Credit card or prepaid card

Dear Bank of America, I would like to dispute an error you reported to the credit agencies from an account I held with you. 

On XX/XX/XXXX, I opened up a Flexible Spending Credit Card with your organization. Over the course of 10 years and 11 months, I dutifully made on-time payments on this credit card. 

However, on XX/XX/XXXX, Bank of America inexplicable and unexpectedly terminated their relationship with me and closed all my accounts with the bank including the credit card. I was completely prohibited from accessing online banking and all billing notifications stopped as well. 

As a result of this termination, I held a balance on my credit card that I was both unaware of and unable to make payments towards. It was not until sixth months later, on XX/XX/XXXX, that I received a phone call from a third party debt collector informing me that I owed money to the account. I immediately paid the debt collector right at that moment and brought the account current. 

To this day, I have on my credit reports a 90-119 Days Late line of credit that was Canceled by credit grantor which haunts me to this day. I feel this mark on my credit is extremely unfair as I was completely unable and unaware to make any payments towards my credit card. I also tried to call the bank regarding the nature of the account closure and was met with hang-ups and non-answers. 

I hope there is something that can be done regarding this unique situation regarding this account. 

Thank you.
Product: Checking or savings account

I have a business account and I deposited 2 checks that were from the u.s. treasury the bank then froze my account I can't get into it at all and said they have to verify the checks. They have had the checks over a week now and are trying to tell me it will be 14-30 days to verify check. I called the treasury dept. And they told me the the bank cashed the checks more than 5 days ago. This has caused my business great financial stress and I can't get any answers from anyone
Product: Debt collection

I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/2023, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.