23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a voice message on my business phone from XXXX XXXX XXXX XXXX. I called back on XXXX XXXX @ XXXX XXXX, and spoke to a supervisor and informed her that I had not received a bill from Toyota Financial Services. Within the next 2 days, I received the letter from XXXX and XXXX. When I spoke to the XXXX representative, she gave me an email. I sent a letter and told them that XXXX did not give me the 30 days to set up a payment plan, and their letter is dated XXXX XX/XX/year>, and XXXXXXXX XXXX letter dated XXXX XX/XX/year>. On XXXX XX/XX/year>, I called Toyota and asked to speak to a supervisor and I was told she was not avialble. I again have attempted to call, but due to the hurricane storm, none of the XXXX lines are connecting.Toyota Financial failed to give me 30 days to call and set up a payment plan for the balance due. Rather, within 3 days they sent the debt to collections. Let it be known that this is the 2nd complaint against this company. Just like all of their previous customers before me, and the reason why they are always being sued is that they fail to follow federal guidelines. Please let them know that I am going to file a complaint with the State of Texas Attorney 's General as the have not learned thier lesson with attempting to ruin people 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, 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. 

bankruptcy XXXX XXXX XXXX XXXXXXXX : # 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 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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This company is reporting multiple collections accounts to my credit reports with incorrect balances/accounts that aren't mine
Product: Credit reporting or other personal consumer reports

{$310.00} Open balance XXXX XXXX  I Original creditor XXXX  Opened XX/XX/year> ( 11 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXXXXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/year> ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original creditor name XXXX XXXX XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/year> ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes- reinvestigation in progress Collection account Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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: Credit card or prepaid card

I am receiving pandemic unemployment from Pennsylvania on a US Bank ReliaCard. As of the end of XX/XX/2020 my money was frozen for investigation of possible fraud. On XX/XX/XXXX I faxed to US Bank copies of my drivers license to proof my identification. I have spoken to 6 customer service people and 3 supervisors since this hold has Ben placed plus I uploaded my identification to their site as instructed and am constantly being told that it hasnt been released by fraud department yet. I have overdrafted my personal checking account to have money to live on and have no more access to getting money to pay my rent, utilities and medical copays for doctors and prescriptions. I incurred {$75.00} in fees for overdrafted money not due to anything I did wrong. I need my money that includes a transfer in limbo of {$1500.00} with the amount in my US Bank card equals over {$9600.00} that I can not access. 
I sent an email to the CEO of US Bank over 4 days ago without getting any response. 
PLEASE HELP ME!!!
Product: Mortgage

An end of the year escrow analysis was done on my mortgage by Guaranteed Rate. It was determined that they owed me an escrow refund of {$580.00} which was supposed to be sent on XX/XX/2021. 
I have yet to receive the check and have called the company 10+ times and have easily talked to 20 different customer service agents including supervisors and supervisors of supervisors. They have claimed to reissue the check several times but then will later backtrack that sentiment. 
It has now been 90 days, I have wasted a ton of time, and exhausted all my options.
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 XXXX XXXX XXXX XXXXXXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX, have both allowed a known violator of the Fair Credit Reporting act, i.e. XXXX XXXX XXXX, to place fraudulent collections on my credit reports thereby negatively impacting my credit score which has real world negative impact on my financial health which is intrinsic to my personal well being. 

Everyday that goes by with these fraudulent collections on my credit report is a violation of my rights, a crime against me initiated by XXXX XXXX XXXX and permitted by EXPERIAN & XXXX, who exercise no caution to determine if the alleged debt collection is indeed mine or even valid. 

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,
Product: Mortgage

Approximately XXXX XXXX I was contacted by my mortgage holder ( Freedom Mortgage ) to re-finance my current mortgage at a lower rate. I took them up on this offer and they stated it would close before my XX/XX/2020 payment was due. This didn't happen. We tried to close before XX/XX/2020 payment was due. This didn't happen. Since this process began back in XXXX, ( now approaching 90 days ) I have had trouble trying to contact Freedom Mortgage for the status on my loan. In XX/XX/2020, I was told that a subordination agreement was sent out to XXXX XXXX XXXX ( my bank ) to  sign. Again in mid XXXX I was told a subordination agreement was sent out. Last week in XXXX I was told again, by the loan processor, that a subordination was sent out. Each time I have contacted XXXX to check if they had received a subordination agreement. Each time their answer was NO. For the past four weeks I can not get the loan officer to return any of my calls. I have asked to speak to a supervisor on four occasions, but get voicemail and no return phone calls. I even sent an email to the CEO XXXX XXXX with no results. I call their phone number and you get please hold or enter your phone number for a call back. I have done this at least 6-8 time during the past 3 weeks with no return phone call. Since this process began, the only thing I have received is 5 change in terms, of which the last one had an error. Too many lies and untruths from this institution. I'm a retired banker and know the process.
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, their dispute resolution process was unfair and decepuve, as they did not comps, with ror res ) ton nirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX about a fraudulent account opened in my name in XX/XX/2015 which they have insisted is mine however have not provided any evidence supporting their information which I have asked for several times and they are legally required to provide to me by law. I have also provided TRANSUNION with a copy of this information certified mail and more than 30 days have passed without a response. I will be seeking compensation if the matter is not appropriately handled after this complaint has been filed. The debt has not been validated with the appropriate information and under LEGAL JURISDICTION they are violating my rights under the consumer protection act afforded by the FDCPA and can now be subject to a lawsuit with compensation of {$1000.00}. Beyond that I have provided them with both legal and federal documents negating the account is mine, which included an FTC Report which they are once again by law required to honor and a police report. I recently received a response from XXXX XXXX XXXX stating and I " quote '' they have sent this said account off to not XXXX but XXXX to be exact separate third party collection agencies which not only have they not provided me the name 's of but I was never contacted by to resolve since neither companies have my reporting address nor any other accurate information. I am also not understanding how this account was opened when you have to be military affiliated which neither I nor my family are. Once again they are violating yet another credit consumer protection law because per my current credit report it is reporting a past due balance of {$1000.00} in a charge-off status. The balance being reported is inaccurate since the debt has been picked up by several other agencies thus them receiving a tax break on the said owed amount. Per law the " past due '' balance should be showing as {$0.00} and since it is not and is inaccurately reporting per 15 U.S.C Sec 1681 ( a ) I now expect the account to be removed after final investigation. If it is not I will be suing. Please understand I am not providing you an option of removal of this account. It is being demanded and expected within the allotted 30 day time frame. Thank you
Product: Credit card

This person, XXXX XXXX XXXX, is using my address to apply for XXXX XXXX Credit Card and Costco Anywhere Visa Card by City. It 's the fourth time that is happening.
Product: Credit reporting or other personal consumer reports

I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my XXXX XXXX Report, but they have refused. I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Debt collection

I am a victim of identity theft. 

I would like Equifax to remove inaccuracies information that does not belong to me.
Product: Money transfer, virtual currency, or money service

I have {$950.00} in my PayPal account PayPal says I have broken a community standard and they are holding my money for 6 months I asked PayPal what community standard did I break and they couldn't tell me how was it legal for them to hold my money for 6 months
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX OF XXXX Opened : XXXX XXXX ACCT : XXXX AMOUNT:267.00 PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX  AMOUNT:1200.00 PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still showing on my report I've requested to have a fraudulent card open and used from XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXXand it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Product: Credit reporting

I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.
Product: Credit reporting or other personal consumer reports

Refined Version : Subject : Request to Block Fraudulent Information Due to Identity Theft Formal Complaint To : Consumer Financial Protection Bureau ( CFPB ) CC : XXXX, Equifax, XXXX, [ Collection Agencies Involved ] Dear CFPB Representative, I am submitting this formal complaint regarding fraudulent information appearing on my credit report due to identity theft. I demand the immediate blocking and removal of unauthorized accounts, inquiries, and inaccurate personal information, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 

Background & Identity Theft Claim I recently discovered that my personal information was compromised due to a data breach involving XXXX XXXX XXXX, which resulted in the fraudulent opening of multiple accounts in my name. Prior to last week, I was informed by several representatives that I was unable to access my credit profile, further supporting my claim of identity theft. 

Despite submitting multiple requests, my personal information remains inaccurate, and credit reporting agencies have failed to properly update my records. This inaction has resulted in severe harm, limiting my ability to conduct basic financial transactions.
Product: Credit card or prepaid card

I was defrauded by the merchant ( property management company ). They fraudulently misrepresented the apartment unit and after signing the contract, they gave me a key to an apartment unit that did not meet Texas state habitability law. The apartment unit was full of cockroaches and it was very unsafe environment. I paid the rent ( {$200.00} and {$600.00} ) with Navy Federal credit card on XX/XX/XXXX and XX/XX/XXXX and on XXXX, I decided to early terminate the lease agreement with landlord due to their lease violation. I have a right to refund because the merchant defrauded me by fraudulently misrepresenting the apartment unit. I also filed disputes regarding this issue with other credit card companies and they approved my claims and I was able to receive the refunds for other rent that I paid for. However, only Navy Federal Credit Union did not issue a refund. They did not properly investigate this issue and I'm very frustrated and disappointed. The amount of money that I paid for may not be a lot to this organization but it's a lot to me as XXXX year old.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Capital One concerning their inadequate investigation process in response to a dispute I initiated on XX/XX/2023, regarding the account number XXXX on my credit report. 

Capital One 's response, dated XX/XX/2023, indicated that they required additional information to proceed with the investigation of my dispute. However, I had already furnished all pertinent details necessary for them to conduct a thorough investigation in my original dispute letter. This delay appears to be an attempt to hinder the investigation process rather than a genuine effort to rectify the inaccuracies. 

Attached to this complaint is a copy of my initial dispute letter to Capital One, as well as their response, for your reference.
Product: Debt collection

Navient pulled 2 payments, giving NO RECEIPT of Payment and STILL will not return my one payment and it's my rent. 

Normally, when a payment is made with ANY company you receive an AUTOMATIC receipt into your email box however NAVIENT is crooked and they offer nothing. Had I received a receipt for my alleged two payments I could have halted it right there and would have known they did this. 

I called the bank and they have to wait until Navient actually gets the money and I called Navient and the kid said he can't do anything until they get the money. So I can't pay my rent now because NAVIENT pulled 2 payments when I only PAID OFF one loan. 

This is such a disservice and crooked tactic. NAVIENT should be required to forward payment receipts IMMEDIATELY so that the CONSUMER knows whats going on. I have every intention of taking this to the highest level because they are crooked!!!!