23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In previous correspondence with the Wells Fargo Executive Resolution Specialist Customer Care and Recovery Group, it was my hope to update and resolve the outstanding funds ( which were paid and applied ), seems to be in influx while the Executive Department decide whom authorized ( XXXX ) unauthorized escrow analysis. Everyday since my first contact with cfpb, I have diligently attempted to contact XXXX XXXX ( XXXX ) XXXX x XXXX and XXXX XXXX ( XXXX ) XXXX x XXXX, whom are my direct contact personnel. Today I called and spoke with XXXX XXXX @ XXXX and also XXXX XXXX XXXX @ XXXX ( located in the California offices . With XXXX XXXX I requested that she attempt to locate both XXXX XXXX and XXXX XXXX and to leave them both an email. When contacting the California offices and speaking to XXXX # XXXX, I briefly went over my account and the funds not applied. This letter arrived today, yet the letter is dated XXXX XXXX, 2015. In the letter it states that my account is delinquent and in default, despite Wells Fargo receiving {$820.00}, {$490.00} and {$1100.00}, all applied and received at the Wells Fargo Bank ( XXXX XXXX ). I myself personally deposited these funds and posses receipts. Additionally I inquired if my account was updated and if the California offices were in direct contact with the Executive Offices. It is appalling to deposit funds only for Wells Fargo to then send constant letters saying my loan is in default and that they need extra time to research funds that were deposited. It seems both agencies do not communicate with one another, thereby sending out threatening letters of default.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
Accounts XXXX XXXX
Product: Credit card or prepaid card

XXXX Is still reporting that I have a balance on my XXXX  and XXXX  reports and they are not reporting that I have a XXXX Balance on these reports. This is not the first time that XXXX has been caught reporting illegal things on my report. First its late pays and now incorrect balances. This card has been paid off and should be reporting the bureaus as such. Straight violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}, {$370.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Lockhart , Morris & Montgomery for improperly reporting a medical debt of {$1800.00} on my credit report. 

On XX/XX/year> and XX/XX/year>, a representative contacted me for collection efforts. In both calls, I informed them that I have a pending financial aid assistance form with XXXX  XXXX. Despite this, the representative falsely claimed on XX/XX/year> that the debt was sold and XXXX  XXXX could no longer provide financial assistance. This is incorrect. 

Additionally, I questioned why this medical debt is still being reported, given the CFPBs XX/XX/year> rule banning medical debt from credit reports. The representative dismissed it as ongoing news, which is also false. 

I disputed this debt with the credit bureaus on XX/XX/year>, yet XXXX responded that the information is accurate. This contradicts the new CFPB rule.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The XXXX and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX  Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the quiet XXXX  of everyday life, a sudden jolt shattered the XXXX : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a XXXX XXXX  of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of XXXX, a glimmer of XXXX  emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently paid off collection with XXXX XXXX  ( XXXX ) I was sent a letter stating that once last payment is made they would send deletion letter. Received deletion letter so I sent to Experian Because XXXX XXXX has been removed but XXXX is still on report and showing as derogatory I would like for XXXX to be removed ASAP as this not legal for original creditor still reporting on report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud 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 reporting, credit repair services, or other personal consumer reports

I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX Ad Astra Recovery ServicesXXXX Inc.- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved
Product: Debt collection

I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Prepaid card

Middle Class Tax Refund, Money Network. 

I used the card earlier this year for one or two charge. Afterward, someone had charge my card without me knowing. I called the company, they said they were going to send me a new card. Once I receive the new card, they said they will send me the first check for the balance and the rest of the check once they review the fraud charges. It's been more than two months and I have yet to receive the 1st or 2nd check. I called and they transferred me to escalation department, but it is a long wait and it is not going through.
Product: Credit card or prepaid card

I have asked for my over payment returned to me by check then by transfer as per their instructions, all have failed. Then the they required proof of my account belonging to me! 

I closed this account last month and was told I could reopen in within 60 days however today they reneged on that promise also. 

My card is " XXXX '' XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Phone # XXXX I will again try to send them proof of my account. 

This is a ridicules demand. 

Most likely designed to delay a customers money. 

I request my money be returned with interest. The same they would charge me.
Product: Payday loan, title loan, personal loan, or advance loan

I have multiple loans with Upstart. I live in a fema declared disaster. I was denied a hardship request on two loans despite living in a fema disaster area. When I reached out to the company, they told me tough luck, they weren't going to help. The two loans that were erroneously died hardship relief are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX 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 have been submitted to the company ( 4 ) 609 letters requesting that the account be verified- that they never did- or remove immediately- that they never did as well - and this is against FCRA.
Product: Vehicle loan or lease

On XX/XX/XXXX I was looking for a new car, I happened to find a brand new car out at XXXX XXXX XXXX in XXXX XXXX, Nevada. I purchased a XXXX XXXX XXXX XXXX brand knew. I was very happy my XXXX was the maker of the car Kia Motors Finace. Well XXXX, XXXX, XXXX a tragic event happened in my life and, our house caught fire. Evberything we had was lost encluding my brand new car that was in the gargage at the time of the fire. Our home was a two story home, so everything on the bottom story off the home was burnt encluding the gragagr as, thats where the fire took place it was a bad water heater, that exploded the landlord, never replaced the water heater the whole three years we lived there, and we were going to buy this home as, soon as, our lease was up. any how we have been trumatized we lost everything. All our things nothing was saveable. In the mean time I started the claim right away in fact Kia Motor finance started working with my Insurance XXXX right away cause I lost allo the paperwork in the house fire everyone was so helpful. I had full coverage Insurance Gap two extended warrantys on this car, we all agreed on this on a conference call if Kia Motors will look back at there calls. The loan was for XXXX at the time of the purchase that is what was financed to me in XX/XX/XXXX when the insurance and, gap plus the payments I made from XX/XX/XXXX IN THE AMOUNT OF XXXX you would think the car would be paid in clear,, nope I get a statement in the mail stating I owe Kia Motors Finance XXXX then the lady I spoke to was lieing about me having any warrantys cause at this point I told her why werent the warrantys appied there should be a credit balance thats what I was told when I spoke to Kia Motor Finance in XXXX on the XXXX, XXXX when we had a three way with my insurance. She told me owe sorry I found them but, you got to cancel them I canceled them when the fire happened back in XXXX when I filed a claim with everyone, I told the dealer to cancel them when I replaced the car after the fire. This car should actully be paid off without the warrantys even being applied. GREEDY PEOPLE PERIOD -- -- -- -- -- why did Gap only pay XXXX when my car insurance paid above the acv value? XXXX I never missed one payment the time I had the car not one. I even always paid extra on some payments. I just lost everything my home everything I own I have exhusted my accounts, to try and, live I live in a one bedroon right now with maybe a weeks worth of outfits, and underwhere but, you want XXXX, XXXX when I had two warrantys that were for XXXX and, XXXX that where never even used, and I only had the car not even 9 months with less then XXXX miles on it at the time of loss. This is insane that car is paid it was paid before you even got the warranty money.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 we paid {$1200.00} for a security deposit and first month rent for my sons first apartment through an online roommate service. We have a signed lease between the parties involved. Turns out she didnt own the apartment and it was a scam. 

Within 10 days we contacted Venmo who the payment was sent through and notified them of the situation and that a police report with the XXXX XXXX GA XXXX XXXX would be filed as well. ( Police report XXXX ) Venmo initially said since we had a signed lease and didnt receive the said property that it seemed cut and dry that we would be good candidates for a refund. 

Venmo then denied the refund. We contacted our bank, who the funds pulled from, and they said since we used Venmo that they cant assist. 

Since then the scammer has made multiple contact with us with stories and asking for monetary help which we declined
Product: Credit reporting or other personal consumer reports

i sent letters on XXXX to the cra disputing the inaccurate and incomplete accounts they are reporting on my credit report. Per 15 USC 1681eb, IT STATES THAT ALL CONSUMERS INFORMATION HAS TO BE 100 % ACCURATE AND COMPLETE BEFORE REPORTING. THE FOLLOWING ACCOUNTS ARE INACCURATE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY OF EACH BELOW FOR YOUR REFERENCE
Product: Money transfer, virtual currency, or money service

I have wired XXXX on XX/XX/2017 to Coinbase. Still have not see money deposite to my Coinbase account. I have email to them many times. Feel those reply is by computer. Not real person. Msg to Coinbase employees XXXX on rebbit, no reply. I create case # XXXX I have they will solve this problem ASAP.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between
Product: Debt collection

Not a valid collection - balance paid to  ORIGINAL CREDITOR.      At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR  XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR   XXXX  , not receivable management.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC