23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Inte grated Recovery Services On  XXXX / XXXX /  XXXX   I received  a call & voicemail f rom a  XXXX  stating that I had a case in their office ( did n't specify what kind of case ) and said that in order to not be served  by constable I  needed to contact the office. When I returned the call a woman answered and said that my phone number was associated with an account in their office under  XXXX   XXXX  which I confirmed that I was the person calling. Prior to letting me know that it was an attempt to collect a debt or even mentioning anything about what it was regarding, she asked me to verify my social security number. I then explained that I did not want to confirm my social security without knowing what this case was regarding. She then started yelling at me and stating that I had an attitude with her, which I did n't, and said that if I did n't confirm my information, she could not speak with me and would notify the company "   XXXX   XXXX   XXXX   '' that I had admitted to stealing the money so that I could be served with paper work, however, those words never came out of my mouth as I did not know what the case was even regarding, she then hung up and said that she did n't have time. I then called back thinking that another person would speak with someone else and again she answered and said that she did n't have time to speak with me, I mentioned that I had never said that statement and wanted to know why an employee from this supposed company was speaking to me in the way that she was and yelling at me. She responded that it was because I was not being an " adult '' and did n't want to confirm my confidential demographics and again said that she did not have time and hung on me for the second time. I called again an asked for her name which she said her name was "  XXXX  ''  ( u nsure if it was legitimate ) and said that I could do whatever I wanted and again hung up. The only reason that I called was to find out more information on what it was regarding prior to confirming my social security and again, they never mentioned that they were calling from a debt collector. I did not appreciate how this woman spoke to me as she was super unprofessional and it is not a way to settle an agreement. Also, not to mention, I have yet to receive ANY correspondence from them regarding this matter. All I received was a phone call earlier today during work hours. If indeed I have an account in their office, I do not know why an employee would threaten to tell another company something that I never said. If harassment is their why of intimidating people, it 's not the key.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001
Product: Checking or savings account

Wells Fargo bank created a checking account without my authorization. I do not conduct business with Wells Fargo since XXXX when I paid off a student loan. The online banking account was terminated as a result of having zero business with the financial institution.

I was alerted of an account being created by email on XXXX XX/XX/XXXX at XXXX XXXX  EST detailing that a debit card would be arriving within 5-7 days. 

I called Wells Fargo and they opened a case. They confirmed that a checking account was created but have yet to inform me of what will happen next.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I received a 1099-K from Block , Inc for transaction in tax year XXXX totaling {$6100.00}. I have never used cash app and this 1099K was fraudulent. I am trying to clear this from my income so I am not penalized by the IRS. Block was not helpful in provided a XXXX out 1099-K and suggested that I file an identify theft affidavit with IRS. Others are in the same boat with the company. Block needs to change their practices so that these scams can not continue to occur.
Product: Checking or savings account

On XX/XX/2023, I found that my HSBC U.S. account, including my credit card account, was suddenly suspended. I asked the customer service and was told that the account would be closed within 60 days for no reason. Before that, I did not participate in any illegal transactions, did not commit any illegal acts, and paid the credit card bill on time.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that this matter is permanently closed. Your continued silence is unacceptable. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can not obtain housing due to the violations on my credit file. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Debt collection

I have contacted this company on multipal occasionsand informed them that this was paid by insurence. they have informed me that the original comany ( XXXX XXXX ) was not given insurence info. Which at the time i did provide to them ( XXXX XXXX ) the insurence info. I have disputed it through them several time Which at that time they have told me they would report to the accurate standing of the acct to the credit agencys. To this day it is still showing open on my CBR not as a DISPUTE. i contacted them today XX/XX/2019 at XXXX and was advised of the same thing.
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 and effective measures to prevent and address fraud on their platform, leaving my account vulnerable, and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized credit inquiries from my credit report. Despite previous attempts to resolve this issue with the credit reporting agencies and the creditor involved, the unauthorized inquiries remains on my report. 
The continued presence of these unauthorized inquiries are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). Kindly help me to remove the unknown inquiries : 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 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 XX/XX/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 of 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

NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Product: Student loan

Navient has lost an automated payment made to my student loan account, and refuses to correct the situation. My bank has provided Navient with documentation showing the payment was made yet the issue is still not resolved a month after the lost payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XXXX with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I mailed certified documents ( received XX/XX/19 ) regarding identity theft to Transunion and XXXX  requesting items to be removed from my credit profile. I mailed the following documents ; a cover letter, police report, FTC identity theft affidavit, a recent bank statement and a copy of my ID & Social Security card ( see attached ). The cover letter that I sent identified the accounts and they were also identified in the police report. All of these documents were requested by XXXX, after XXXX  received these documents the accounts were immediately deleted from my credit profile ( see attached ). 

On XX/XX/XXXX, I called Equifax for an update and was not able to obtain any information as to the status of my request, I was just informed that an investigation is taking place. They did confirm receipt of the documents I sent but would not give me any information about what to expect next or if I needed to submit more information. I followed all the instructions on the FTC website and submitted the proper documents to have this information on my credit profile removed. I feel as though Equifax is giving me the run around and this process is becoming very stressful for me and my family. Every time I call Equifax they ask the same non-specific security questions and they also repeat the same questions back to back after it was answered correctly. They make it really difficult to discuss your credit profile unless you have your credit report right in front of you. I am requesting the CFPB investigate this process as other consumers may experience this same frustration.
Product: Mortgage

I have sent the loan modification package multiple times and CapitalOne Loss Mitigation team either is not processing the documents or keep losing the entire packet. I have sent them everything they required and now they 're telling me they have closed the file to do loan modification for this loan. I 'm very frustrated with their response, lack of customer service, and knowledge to be handle documents to process this file. I do not have a single point of contact for this request/process as each time I call I 've to re-explain the entire situation to a new person wasting more time and effort. Also, they only accept documents via fax/mail and I have no idea that my sent faxes are being received/processed so I have no way of confirming. This entire process has been an ordeal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified that XXXX different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$2300.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$2300.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2300.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Product: Debt collection

Company is attempting to claim rental car debt in claim which went to arbitration and other party was found at fault. Furthermore collector is attempting to claim fabricated charges such as " DIM VALUE - {$570.00} '' ( diminished value? ) on superficial bodywork which was fully repaired on rental vehicle. They are also attempting to charge a deductible {$300.00} but it's not clear what that is for, Loss of use {$250.00} and an " admin fee - {$150.00}. ''
Product: Mortgage

I sold my property at XXXX XXXX XXXX XXXX in XXXX, MI on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX reportedly completed a wire transfer on XX/XX/2023 to pay off the mortgage. The wire transfer was completed with proof sent to me. Freedom Mortgage continued to charge me for an XXXX payment on XX/XX/2023. I then contacted and inquired why this happened as the mortgage should be paid off. After countless phone calls, Freedom Mortgage was able to confirm the mortgage was not paid off and XXXX XXXX XXXX was then contacted. After weeks of " looking into it '' and XXXX XXXX XXXX advising not to make further payments, it was determined that a mistake of some sort was made and the mortgage was not paid off correctly. XXXX XXXX XXXX then resubmitted another wire payoff and Freedom Mortgage confirmed the loan paid off as of XX/XX/2023. As a result of not making additional payments to the mortgage, my XXXX credit score has dropped XXXX points due to a single missed payment reported to the credit bureau.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX AXXXX 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
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

My father and I share the same name. The company below : FINANCIAL RECOVERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Keeps reporting a collection on my credit report. I 've disputed with both XXXX and XXXX. They removed it but it was recently added again a few months ago. I even called them and they verified that the date of birth and social on file do not belong to me.