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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with Capital One. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Debt collection

We received a bill on XX/XX/2021, from the Convergent Outsourcing , Inc. debt collection company for debt owed to XXXX. I have never subscribed to any XXXX services in my life. I tried calling them and they did mention that the bill was associated with a XXXX XXXX that lived in Virginia but when I told them that was not me, they did not immediately drop the claim. They wanted me to fill out an online form that asked me to give them my drivers license number and full social security number. I do not feel safe doing this. The bill is for {$770.00}. 

Client Acct. # XXXX Convergent Acct # XXXX
Product: Money transfer, virtual currency, or money service

Paypal announced today that they are partnering up with the infamous known " XXXX '' organization that has been known to be XXXX XXXX in their ways of treating people who are known to stand against the criticism of XXXX - in a move that would ban people the use of the paypal system based on their political view.
Product: Credit reporting or other personal consumer reports

I refuse to accept your stance in rejecting my identity theft claim. WHO ON EARTH DO YOU THINK YOU ARE TO PASS JUDGMENT ON WHETHER I'VE BEEN A VICTIM OR NOT? YOUR SUPPOSED AUTHORITY AND LEGAL STANDING TO MAKE SUCH A DECISION ARE UTTERLY BASELESS. IF YOU PERSIST IN THIS WRONGFUL DENIAL, REST ASSURED THAT I WILL PROMPTLY ENGAGE MY ATTORNEY TO INITIATE LEGAL ACTION. I insist that you adhere to the strict legal processes governing identity theft claims. To emphasize the seriousness of my case, I AM FURNISHING YOU WITH AN OFFICIAL LAW ENFORCEMENT AGENCY REPORT, DULY FILED WITH A FEDERAL AGENCY. Let us expedite the resolution of this matter within the mandated XXXX timeframe. Regrettably, it seems that my efforts to rectify this situation have fallen on deaf ears. Despite the overwhelming evidence I have provided, it appears that your bureau has not recognized the gravity of my identity theft case. This lack of recognition has left me feeling neglected, frustrated, and helpless. XXXX XXXX and XXXX XXXX XXXX XXXX. Please Remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute out to Experian on XXXX for an account that doesn't belong to me. I have yet to receive any correspondence from Experian and it has been over 30 days. Under the Fair Credit Reporting Act, the account XXXX XXXX XXXXXXXX must be deleted since Experian has failed to respond to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters to transunion, XXXX, and XXXX  to verify bankruptices that are on my credit report and to show proof of verifcation and how exactly did they verify it. They refuse to show how they verified the bankruptcies to prove that they are mine. As a result it is affecting my credit score and causing damage to my reputation. I also sent in a letter from the courthouse to each bureau which states they do not release any information to third party companies.They still refuse to show how they verified the bankruptcies that are reporting to my credit report and damaging my reputation. This is willing negligence on their behalf and a violation of the FCRA. If they can't show proof of how they verified the bankruptcies are mine they should remove them immediatly as I have told them at least 3 times already.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/year> RE : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I receive a copy of my credit report and found the following items to be error. See the list of errors below. Here as follows are the items in error : 1. XXXX XXXX {$640.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$520.00} 4. XX/XX/XXXX {$4100.00} By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the credit can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Sincerely yours, XXXX XXXX
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Money transfer, virtual currency, or money service

I was attacked by a XXXX  in the parking lot during my stay at XXXX XXXX. I stayed there from XXXX. This happened XXXX I stayed the duration of my stay but was billed two separate transactions. I filed a claim with my bank, chase to get my money back and both claims were processed and suddenly now I got a reversal on the first one! But not the second one!
Product: Mortgage

i XXXX XXXX XXXX li8ke to make a complain against freedom mortgage because they are trying to take my home to sale while i send in a loan modification package in XXXX XXXX 2016 and they said they did not received so i talked to them and they said my home is going to sale anyways and i had send the package two times
Product: Student loan

I went to XXXX XXXX. I was never able to use my so-called degree to help me get anything in terms of work after I graduated. I was supposed to get a full refund, but I have been getting the runaround from the department of education.
Product: Credit reporting or other personal consumer reports

My info was leaked in data breach and its a lot of things I dont know about on my report cant get original agreements because they sold them to collections
Product: Debt collection

TELEPHONE NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE STOP ALL THESE SPAM CALLS WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003 2003
Product: Credit card or prepaid card

I charged a deposit on a cruise for {$1000.00} on XX/XX/2020, and charged the balance of {$8500.00} on XX/XX/2020 for XXXX XXXX. 

XXXX advised me that if paid the balance due they would refund my money if the cruise was cancelled. 

On XX/XX/2020, XXXX cancelled my cruise. I requested a refund and disputed the charges because the " terms and conditions '' stated that I was due a full refund if the cruise line cancelled. 

During the dispute process, XXXX untruthfully said that I had cancelled the cruise with a 100 % penalty, when in fact XXXX cancelled the cruise and at this point has cancelled all of their cruises. XXXX  cancellation was made in writing and I provided American Express a copy of the email that XXXX sent me showing AmEx that XXXX had cancelled. I also provided a copy of the terms and conditions showing that I was due a full refund. 

I received no value for my {$9500.00} ( {$1000.00} plus {$8500.00} ). 

XXXX has indicated in voice call, but not in writing, that they owe me the refund " but are behind in processing refunds ''.
Product: Credit reporting or other personal consumer reports

Equifax Credit Bureau XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX I am writing to formally dispute inaccurate information on my credit report that i believeis harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against experian for its failure to properly investigate consumer reports, citing " sham investigations '' and other unharmful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemicissues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute was mishandled in a similiar matter. 

Pleas review the innaccurate infomation being reported.
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 dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Ocwen is attempting again to force me into escrow. I have never had escrow in the entire duration of this loan. They do this every few years in an attempt to get me to default by XXXX my payments. I find it suspect that they also sell foreclosed homes.
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized debit was made on my bank account, in the amount of {$7300.00}. The unauthorized debit was for " XXXX XXXX XXXX '', a company with a Kentucky phone number. The following day, XX/XX/XXXX, a second unauthorized debit was made on my account, in the amount of {$1400.00}. This unauthorized debit was for a purchase to " XXXX  '', a company with a New York phone number. Previously the Bank of America would notify me of suspicious activity in my account. I have such a notification from Bank of America for a debit to my account on XX/XX/XXXX, proving that alerts were in fact in place. However, for the XX/XX/XXXX and XX/XX/XXXX purchases, no notifications and no alerts were made. Bank of America paid both of those claims without my knowledge. I discovered the first unauthorized debit when I logged into my account on XX/XX/XXXX, and I immediately called the Bank of America Fraud Dept. to say that I had not placed the charge ; my phone call was made at XXXX XXXX. The following day I saw the second unauthorized debit and again called the Bank of America Fraud Dept. ; I called at XXXX XXXX  to report that I had not authorized that charge either. On XX/XX/XXXX, when the charges remained on my account, I visited my branch of Bank of America and sat down with one of the officers to resolve the matter. I am still waiting for results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$170000.00} XXXX  XXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

Today, I'm reaching out to address a concerning matter of identity theft that has significantly impacted my credit report. After filing a report with the Federal Trade Commission, as mandated by law, I've taken steps to rectify this situation. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are required to promptly remove any entries identified in an identity theft report, specifically in this case, report # XXXX. I've attached relevant documents to assist in the removal of these inaccurately reported items. The following accounts were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove such disputed entries within four business days upon receipt of the complaint.
Product: Checking or savings account

Wells Fargo I had an account between XXXX and XXXX. Ive not received part of the settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA
Product: Checking or savings account

Wells Fargo bank stating that the amount in the checks was posted twice but physically that amount was posted only once, so they took my money from my debit account, locked my ability to buy a food and or pay for my bills during Covid-19 pandemic. Leaving me without any options to survive.

Stating that check 's was posted twice, but here as evidence I'm attaching a statements where we all can see that this amount wasn't posted but was credited.
Product: Checking or savings account

Experian digital checking account My debit card for my Experian account got hacked so we canceled the card requested a new card and I changed my phone number and email address for XXXX XXXX After trying to change the information on the Mobile app, which will not let you change both obviously because of security reasons I contacted experience department they said they would take care of it and it would take a couple days After four days, it had not been changed. I called back and I was told the person filled out the paperwork wrong, and the young lady supposedly corrected it and resubmitted. The paperwork said it would take a couple days again after four days it still had not been changed then I was informed that I needed to Fax my drivers license my Social Security card, a current bill and a copy of consumer cellular which I included login and password so they could verify the number is mine and the email is mine. It has been eight phone calls since then still nothing has been done. I have no access to my account I have no way of paying my rent. I have no way of getting gas or groceries and I keep getting the runaround every time someone tries to help they keep saying the person before them did the paperwork wrong when I do get someone that sounds like they know what theyre talking about. They put me on hold, and then the phone disconnects me and goes to the survey of my service. They say they have no supervisor they can transfer me to they keep telling me theyre unable to change it themselves and my frustration is extreme at this point that they have no way, or wont give me extensions or names of people that could help or the person that Im talking to just like theyre hiding from the issue. One person just laid the phone down as I was trying to explain to them what was happening I gave them my last two deposits, dates and amounts. I asked them to just transfer the money back to my checking account, but all I get is excuses why they cant do that I did finally get a new debit card which will allow me to buy little stuff but I have no access to cash. They obviously wont give me a pin number which is ridiculous to withdraw cash. My rent is due today, after Monday they will be a {$75.00} charge late charge XXXX dollars a day until I get them paid Im already late on three bills which will affect my credit rating and I dont know what to do with this point they are holding my money hostage. Please help.
Product: Credit card or prepaid card

I recent asked for forgivnes on the following Issue. I made 4 late payments based off of financial hardships, banking errors and medical problems. I have good utilization on the card and pay amounts in full. I have been a good customer, I have two cards and recently opened up a checking account under your provider. I am asking for forgiveness on these late payments as I am trying to repair my credit and provide a better future for my family.
Product: Payday loan, title loan, or personal loan

I took out a personal loan for {$24000.00} with lending point in XX/XX/XXXX. Since then Ive made over {$7200.00} in payments however, my balance remaining is over {$22000.00}. To date, my amortization schedule has been unavailable to me online. In addition, I was never sent a hard copy by mail or electronic copy by email. Online it states it is coming soon for the past year so I called on XX/XX/XXXX and requested to speak to a manager. I informed her of my concerns and asked for my amortization schedule and was told one had to be put together and it would take some time. The manager then stated it would be best if I contact XXXX XXXX, my account manager, by email to request this info. Im not understanding why any manager cant assist me with my schedule or why my amortization schedule doesnt exist already when my loan has been in place for a year now. I also want to make a large one time payment to cut my balance remaining in half but, am afraid that my payment will not go towards principal. When I asked the manager on XX/XX/XXXX what the practice is I was informed that any additional payments would indeed be applied to principal. I asked her to send me this in writing to my email and was informed that she wouldnt be able to send me anything in writing stating this until my amortization schedule is ready. I asked when that would be and was told hopefully in 24-48 hours. Its been three days since my call and Ive received nothing.

Before I make any payments to my account I would like my amortization schedule. It doesnt seem right that one doesnt exist already and the company is not being transparent with how my payments are being applied or with their lending practices.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX