23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
Product: Money transfer, virtual currency, or money service

Basically I had interaction with this person ( scammer ) who was a crypto currency smart contract advisor/ investor, who deceived me into sending money to buy crypto currency, wire to XXXX in XXXX and buy XXXX XXXX and send to Coinbase external wallet & then deposit to Smart contract linked to Coinbase Wallet , that would get converted to USDT, to conduct nodes cycle, all transactions looked legit, when the withdrawal dint arrive, after repeated messages to automated customer service i contacted Coinbase Support : please see attachment 's, Scammer info : Smart contract info, it is disgusting to note that how can crypto currency exchange platforms allow smart contracts to be part of their platform and conduct fraud, without checking their authenticity ( Coinbase Wallet in my case ) Platforms should some regulations put in place- I have lost over XXXX in this scam!
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my loan provider, Aidvantage, for their persistent failure to process my SAVE application, which was submitted in XXXX oXXXX XXXX  Despite the completion of the application process several times, Aidvantage has continued to demand payment from me every month, disregarding the outcome of the SAVE application, which determined that I am calculated to pay XXXX. 

This ongoing issue has caused significant financial stress and confusion, as I am being asked to make payments despite being deemed ineligible for repayment based on the SAVE assessment. Additionally, my attempts to contact Advantage have been fruitless, as they consistently fail to answer their phones, leaving me unable to resolve this matter through direct communication. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Aidvantage for their negligent handling of my loan account and failure to adhere to the results of the SAVE application. I request that Aidvantage be held accountable for their actions and that measures be implemented to ensure that they fulfill their obligations to their customers in a timely and transparent manner. 

Thank you for your attention to this matter. I look forward to your prompt action and resolution of this issue. 

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

I was trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have requested correction on late payments and it has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX act XXXX XXXX Account XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

XX/XX/2020 - started receiving phishing emails and spam calls from several entities. I reported each, as well as this particular agency, Sequium Asset Solutions, as spam since I carried no debt, and did not know the company XX/XX/2020 - saw a drop in my credit score ; and a collection action for {$100.00} by Sequium Asst Solutions LLC for a cable company called XXXX XXXX ; I immediately filed disputes with XXXX and XXXX. Did not receive a fraud alert from XXXX, although I registered for fraud alert thru XXXX. I've maintained my cable services through a totally different company for years, never from this company. 
XX/XX/2020 - both reports inaccurately claim the debt as accurate. It is not. My identity was hacked. I do not know the company, never made or authorized any merchandise or service or account from the company. 
I want it rectified and my personal information protected. I do not, and have never had an account with XXXX XXXX. 
I called XXXX but since I could not immediately recall past loans and exact amounts during my XXXX  years of life, they want me to mail copies of my state ID, utility bill, name, SSN, Date of birth email, and phone numbers to a PO Box . I fear my identity was hacked, and better judgment dictates I do not put physical copies of every piece of personal identification in the mail. 
I need this rectified now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my trade line for for XXXX since XX/XX/XXXX. This is an ongoing issue with Experian. All other credit bureaus receive the updates per statement and act accordingly. Experian has failed several times with updating my balance with the correct information. Thats several violations of the FCRA. ALSO, they will not let me dispute it when I tried on their website.
Product: Debt collection

XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your help.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA, this creditor has violated my rights under 15 1681 section 604b states that i have a right to privacy. 15 USC 1666b also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purposes.I disputed the inaccurries on the account on XX/XX/23, XX/XX/23, XX/XX/23, and on XX/XX/23 and i haven't got any response from the creditor. This creditor has continuously ignored my requests. I am actively trying to get approved for a mortgage loan. I need this account removed immediately
Product: Debt collection

On or about XX/XX/XXXX I received two collection notices from Cascade Capital Funding , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt collection agency. The two invoices were from XXXX XXXX from a hospital stay at XXXX XXXX in XXXX of XXXX. The two invoice numbers from Cascade Capital are XXXX and XXXX. Each invoice is for the same amount of money {$760.00}. XXXX XXXX never billed my insurance company XXXX XXXX and XXXX XXXX XXXX XXXX for the services. I have asked for the original bills from XXXX XXXX but Cascade and XXXX refuses to produce the originals from XXXX. I need to know what services were performed because I believe these services were under a larger {$24000.00} bill that my insurance company received from XXXX XXXX XXXX. I believe that this is a billing error on the part of XXXX XXXX. I do not owe this money as at the time they claim the servers were performed I would have reached my annual out of pocket medical maximum because I was XXXX  for a few days before the alleged services were provided. The collection agency continues to refuse to produce the original bills. I have requested this information over the phone and two emails. I will also be sending a certified letter to the collection agency requesting this information. I am sure this is a billing error but it needs to be corrected because it is now on my credit report and I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I have made several attempts to have these accounts investigated or removed for inaccuracies. I will seek legal damages next if this can not be resolved.
Product: Debt collection

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you verified the accuracy of this alleged debt, but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER.According to the law, you must comply when a consumer requests a debt validation letter. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. You only have within 7 days to complete this request, failingthat, you need to clear my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon requesting and viewing my credit file with Transunion ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XX/XX/XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XX/XX/XXXX- This account is paid in full. 

3. XXXX XXXX XX/XX/XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXXl XX/XX/XXXX- This is not my account. I have never done business with the company listed.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Equifaxs Non-Compliance with FCRA 605B and 611 Dear CFPB Representative, I am submitting this formal complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ) in addressing fraudulent accounts on my credit report. Despite notifying Equifax of identity theft and disputing specific accounts as fraudulent, they have failed to provide the required documentation or evidence to justify the continued reporting of these accounts, in violation of FCRA regulations. 



Background Information : I previously submitted a dispute to Equifax regarding the following accounts, which were opened fraudulently without my authorization : 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  Account ending in XXXX Equifax informed me that the furnishers of these accounts claimed they were valid. However, Equifax has not provided me with any documentation or evidence from the furnishers to substantiate these claims, as required under : 1. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Mandates that consumers receive all relevant details concerning the investigation, including any documentation submitted by furnishers.

2. FCRA 611 ( b ) : Requires Equifax to provide any information submitted by the furnishers during the dispute investigation.

Additionally, under FCRA 605B ( c ), Equifax must promptly delete or suppress fraudulent accounts if no evidence substantiates their validity. Despite this legal requirement, these fraudulent accounts remain on my credit report, causing financial harm. 


Reinvestigation Request ( XX/XX/year> ) : Following Equifaxs initial inaction, I sent a formal reinvestigation request to Equifax XXXX at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX via XXXX. The reinvestigation request included : A demand for Proof of Furnisher Evidence as required under FCRA 605B, asking Equifax to provide documentation proving the legitimacy of the disputed accounts.

A request for immediate removal of the fraudulent accounts if sufficient evidence was not available. 



According to XXXX tracking records, this correspondence was delivered on XX/XX/year>, at XXXX am, and was signed for by XXXX XXXX. To date, I have received no response or resolution from Equifax. 


Thank you for your time and assistance in resolving this matter. I trust that the CFPB will hold Equifax accountable for their failure to comply with consumer protection laws and ensure the removal of these fraudulent accounts from my credit file. Should you require additional details or documentation, I am happy to provide them.
Product: Checking or savings account

On XX/XX/2022 there were 5 unauthorized transactions made on my debit card totaling almost {$3000.00}. The bank denied my fraud claim because they said that I logged onto My app after the transaction posted and did not file the claim until 2 days later. I couldnt file the claim until 2 days later because the transaction did not post and they will not dispute non-posted transactions. I did call the bank the day the fraud occurred on XX/XX/XXXX and they confirmed I need to wait until the transactions post for me to file a claim. The denial for this claim is completely unfounded and now Im out almost {$3000.00} because my bank denied the claim. These are clearly fraudulent claims as 3 of them are from XXXX and 2 are from XXXX with what seems like made up companies. Im located in the US and they can verify my location by looking at where I was when I open my app every day
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I spoke with the fraud department at Experian. I made an inquiry about fraudulent accounts that needed to be removed from my credit report that they keep somehow verifying. I asked them what third-party data collection agency they used to verify. They said they don't use a data collection agency to verify, they only go directly through the Creditor that is being reported. I asked what information those creditors supplied for their investigation to be verified. The representative told me she could not disclose that information. This violates my right as a consumer according to the fcra, to know the information being collected and how information is verified especially when I have an extended fraud alert on my account. I've had an extended fraud alert since XXXX and the most recent updated alert was XXXX.
Product: Money transfer, virtual currency, or money service

I have called paypal and informed them that I do not have a paypal account with them. They refuse to listen over the phone. These representatives are from a foreign country and I am not sure if they really want to help individuals from the United States.. I have heard representatives make statements like foreigners came to The XXXX XXXX XXXXXXXX and made a mess. I am very disturbed to hear that people actually travel to a foreign country to behave like this. This does not excuse the fact that Pay pal should have a department that handles accounts that are created with the intent to harm a individual or cause fraud. I have never created a paypal account and it should be investigated. Please assist me. This has cause so much emotional distress.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 


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 accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I filed a previous complaint against this company, they responded they would fix the issue. However they stated they needed my cash app tag which is $ XXXX. My phone number associated with my account is XXXX. 

Cash violated my rights closing my account after I filed a very valid dispute. XXXX has since then subsequently reimbursed my money to the cash app account cashapp closed claiming these disputes were fraudulent. I have attached the additional proof. CashApp still hasn't opened my account back up or sent me the additional money doordash refunded for their error. 

Please refer to initial complaint with XXXX XXXX for the other evidence. I have escalated it up and have tried to work with cashapp or numerous occasions to no avail. they literally claimed the dispute was erroneous which it is not. Instead of truly investigating disputes, this company uses AI and instead of refunding people 's disputes, they immediately close the accounts and leave customers to defend themselves without mercy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap .. XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX/XXXX ( reported twice and this one is reported for collection which is definitely false ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX ( account reported as closed Chapter XXXX bankruptcy - this is incorrect, XXXX account is in deferment and not for bankruptcy because I did not file this for bankruptcy, and account reported 10 times ), XXXX XXXX XXXX I ( ORIG CREDITOR : XXXX UNIVERSITY ), XXXX XXXX, XXXX/XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )
Product: Checking or savings account

I opened both a checking and a savings account with Citizens Bank at their XXXX location, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. XXXX XXXX opened the accounts, branch phone is XXXX. I made the required deposits exactly as stated on the offer to receive a bonus of {$600.00}. I did receive a bonus on XX/XX/XXXX for my checking account, but not on my savings. I patiently waited until XXXX to inquire as to why the bonus was not paid on my savings account. XXXX checked and was told it's because I didn't make a {$200.00} deposit in XXXX. That's true, because I'd already fulfilled the requirement of a {$200.00} deposit for XXXX consecutive months ( XXXX, XXXX, XXXX ). My current balance is over {$600.00}. XXXX then escalated my inquiry ( case # XXXX ) to a XXXX XXXX. When I called XXXX on XX/XX/XXXX, she stated that she can't help me and I need to wait for XXXX to call me. I'm being ignored now with no one calling me, the bank is not honoring their promise to me. I called the branch again on XX/XX/XXXX. XXXX was on vacation, I was told a banker would call me back, no one did. It's now XX/XX/XXXX and obvious that no one plans to do what's right and pay me. I want my promised bonus. I'm attaching the promo card I received and followed to the letter. 
Thanks for looking into this for me.