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

STUDENT LOAN : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Product: Checking or savings account

I needed to open a bank account in preparation for an XXXX   child. 
I received an email or targeted ad from Wells Fargo that advertised a welcome bonus after certain deposit requirements. 

I visited a branch to open an account and mentioned that I selected Wells Fargo because of the advertised promotion. They asked me if I was a new customer. I told them that I once had an account in the past but did not remember when. The banker looked me up in the system and I clarified that I would be eligible. I made the deposit requirements ( XXXX x 3 ) but did not receive the bonus, well after the time I should have. 

I called Wells Fargo about the matter and they told me they would investigate. I later received a letter saying I was ineligible for the bonus because I had an account in the past. I then received a phone call from the banker who opened the account to the same effect. I asked her why she didn't tell me I was ineligible when I mentioned why I selected the bank and clarified the terms. She told me that when she looked me up in the system at the time of account opening, no information contrary to the terms of the promotion was presented to her. The dates and conditions of my previous account with them was a relevant matter and if Wells Fargo had access to that information when they want to send me a letter, they also have access to the information when I want to clarify whether I am eligible to a promotion they solicited me. 

A flaw in the Wells Fargo computer system caused the banker to assure me I was eligible, fooling me into making the account and depositing the funds.
Product: Debt collection

Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. XXXX this information within XXXX business days, as required by FCRA Section XXXX, and notify all those providing this false info. Act now or face legal consequences. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Please remove.
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 deceptive, as they did not comply with error 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 was unfair and deceptive, as they did not comply with error 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: Debt collection

XX/XX/18 Dear Sir or Madam : This letter of complaint is related to Procollect Inc., XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, Related to my account # XXXX. Procollect is trying to collect an incorrect amount on the debt. I had an initial debt of {$450.00}. I agreed and established that the debt was valid and I have been paying on the debt as often as two or three times a month. Procollect is not reporting payments to both credit bureaus. The two bureaus have different information about what I owe, which negatively impacts my rating. I submitted moneyorder receipts and asked all agencies to investigate my evidence and make the corrections. XXXX ( Complaint # XXXX ) and XXXX credit reporting agencies have erroneous amounts owed on my reports. 
I have gotten the debt down to {$220.00}. I check my XXXX XXXX account regularly to insure that my payments are being credited and received. I made the monthly payments without specifying a particular amount to be paid each month ( contract ). I am on a fixed income of only {$850.00} per month right now. I did not want to go into default on the debt, if unable to pay what I had agreed upon. I filed a complaint with XXXX  related to the incorrect balance noted on the report ( Complaint # XXXX ). I made sure to write both XXXX and Procollect and ask them to update my list of payments, using the information and copies of moneyorders. They have refused to do so. XXXX stated that they had investigated and say that I now owe {$260.00}. This is a {$37.00} difference from my calculations. The XXXX report states that I currently owe {$360.00} which is way off the mark. 
I am constantly receiving notifications ( from XXXX XXXX ) that my credit is being damaged because ProCollect is not giving me credit. What my records show I owe and what Procollect is reporting to the credit agencies is NOT correct. I sent Procollect copies of my payment receipts ( which they are  ignoring ). The balances between the two credit bureaus are inaccurate. I have made two efforts to dispute the incorrect information. I made copies of the postal moneyorders I mailed to Procollect plus the dates they were mailed out. Neither Procollect or the credit agencies properly investigated or updated the  information. The only thing I asked them to do was to tell me which payments they HAD received from me ( using the list that I provided ) and to let me know which ones were not credited. Inaccurate information is being kept on my credit record even though I have provided proof that I had made these payments. If I am to pay off the rest of the debt, I EXPECT to be fairly audited and that no more derogatory remarks be placed upon my account UNTIL I receive confirmation and validation for the payments I have made. I do not feel that it is fair for me to have to pay {$5.00} to research missing money orders or to have to certify EVERY single moneyorder that I send by mail. 
The credit bureaus and Procollect are not accurately reporting or confirming my payments. I need all organizations to update my credit files and to cease the marks until a resolution is made. Thank you! Questions ( XXXX ) XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the collection agencies/original creditors several times and notified them that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.
Product: Checking or savings account

On XX/XX/year> i received notification by email from capital one bank stating they were ending our banking relationship. On XX/XX/XXXX, XXXX XX/XX/year> i phones capital one customer service lines asking them to transfer my direct deposits they state they could not because i had active disputes at the time. I asked which other ways was i able to transfer or withdraw my funds. Capital one stated that the only way to withdraw my funds was to go to the nearest branch must i say the meareat location to my home is in a different city. So i have a froze account now with capital one no way to get money to travel to get my money thank the XXXX i was able to get there on XX/XX/year> and withdraw {$1400.00} my deposits amount to {$1600.00} i was negative $ XXXX on XX/XX/year> on XX/XX/year> Capital one automatically withdrew the negative balance i had on XX/XX/year> which was $ XXXX. On XX/XX/year> i arrived at the branch in XXXX Texas to withdraw my funds in person must i remind i had to go extra miles with no money to withdraw my money. I only received {$1400.00} meaning capital one took an extra {$190.00}. Capital one stated also on XX/XX/year> that my account would be fully closed and any remaining balances would be transferred to a linked account on file which i also have or by check to the address on file. Today is XX/XX/year> my account is still open as im still able to log in and see my balances. Today is XX/XX/year> and i still have not received any transfer or close out check by mail for this checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.
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. 


Account name : UNKNOWN ACCOUNT Account XXXX Account name : UNKNOWN ACCOUNT Account Number : XXXX has violated my rights. Or 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: 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 deceptive, as they did not comply with error 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$7100.00} I have been communicating with the company as well as sent them my police report for this fraudulent account. This account should be removed from all bureaus by now. Enclosed is a copy of my police report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. 

I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each time, I am assured that the issue will be investigated and corrected promptly, but the inaccuracies persist, adversely affecting my creditworthiness and financial opportunities. 

The presence of these inaccurate late open accounts not only undermines my efforts to maintain a positive financial reputation but also erodes my confidence in the credit reporting system. As a responsible consumer, I expect accurate reporting of my credit history to reflect my financial behavior accurately. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt removal of all late open accounts from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$380.00}.
Product: Debt collection

I have a conventional adjustable loan serviced by Ditech After have XXXX surgeries and now with XXXX I have tried to modify my loan with Ditech. 
Ditech transferred the loan as of XX/XX/2019 and before is pursuing a foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained within my credit report, particularly concerning late mortgage payments. Pursuant to the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 EB, I hereby invoke my rights to dispute and request an investigation into the following late mortgage payments : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX XX/XX/year> These reported late payments inaccurately reflect my credit history. I maintain that I made all mortgage payments with the additional payments for the repayment plan on time during the periods mentioned above. we entered a forbearance due to a NATURAL DISASTER and did a repayment plan once the forbearance ended. Due to my findings, a mortgage company can not report late payments on a forbearance repayment due to a natural disaster. Furthermore, I would like to bring to attention the actions of Shellpoint Mortgage regarding a forbearance and subsequent repayment plan associated with my mortgage account. It has come to my attention that Shellpoint Mortgage withheld proper information regarding the terms and conditions of the forbearance and repayment plan, leading to confusion and financial hardship on my part. Such actions are not only unethical but may also constitute a violation of the FCRA. Moreover, despite my repeated requests, Shellpoint Mortgage has refused to release phone recordings relevant to this matter. This refusal raises concerns about transparency and accountability in their dealings with consumers. In accordance with 15 USC 1681 EB, I request that you conduct a thorough investigation into the validity of the late payment entries associated with my mortgage account and the alleged withholding of proper information regarding the forbearance and repayment plan. This includes scrutinizing the accuracy of the reported dates, amounts, and any other relevant details pertaining to these late payments, as well as an examination of the information provided in attachments regarding the forbearance and repayment plan. No where on your site does it state you would report late until payments were finished. No where in the application does it say you would report late until payments are finished. I urge you to take immediate action to rectify these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the investigation has been completed and the necessary corrections have been made. I appreciate your prompt attention to this matter and expect a response within the timeframes stipulated by law. I have attached images relating to the forbearance/repayment process and information on the site. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Went to a car dealership they ran my credit to many companies, after I told them I only have on loan place I work with, which is 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 XX/XX/year> -- {$XXXX} XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

said company had opened up a credit card account in my name in XXXX. I did not authorize this account opening nor do I take any responsibility for said account. XXXX XXXX has been reporting late payments from an account that I never gave permission to open. I would like this negative information deleted from my credit files immediately. I would like proof of my signature along with a copy of my identification showing me opening this account. There is none because this account is a result of identity theft and should be deleted immediately. Proof of Identity theft enclosed
Product: Checking or savings account

I have a rental property in XXXX On XXXX XXXX, my tenant, an XXXX single mother, contacted me in a panic as BB & T ( now Truist ) would not accept her deposit to pay the rent. 

I contacted the company, they informed me they now have a policy to not accept cash deposits except from the account holder. They also informed me, there is no Federal regulation which requires this, it is a company policy " to prevent money laundering '', that they could accept deposits by check or money order. I asked to have a written copy of the policy sent to my email account. I never received a copy of the policy. 

As I am on vacation in XXXX ( I live in XXXX  ), I visited a local branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) on XXXX. The representative ( XXXX ) I spoke with, informed me it was not a " policy '', but instead an agreement between Banks. He could show me on the screen, but he could not print it out since it was an " internal bank document ''. He confirmed there is no IRS or SEC regulation requiring such a standard, and it was to prevent money laundering. He also told me if I opened a business account, then they could accept cash deposits from anyone. 

I also called XXXX XXXXXXXX XXXX as they have a branch near my property in XXXX, but they informed me they have the same policy. They are happy to send a copy of the policy to my mailing address. 

I find this reprehensible. I charge a minimal rent ( less than {$1000.00} a month ). The family is on a tight budget, and having to purchase a money order is a small, but unnecessary expense. If there were significant amounts being deposited in my account, I would be willing to believe they have a legitimate concern, but this is ludicrous.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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

I have previously submitted a complaint through the CFPB, number XXXX. My complaint has not been resolved. I am attaching documents of I.D . and my FTC report.
Product: Credit reporting or other personal consumer reports

am disputing a collection account on my credit report that I believe is inaccurate. The details are as follows : Creditor Name : [ Collection Agency Name ] Account Number : [ Full or Partial Number ] Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that you investigate this account. The collection agency failed to provide proper validation as required under the FDCPA 1692g. If this debt can not be substantiated, I ask that it be removed from my credit report immediately.

Please respond within 30 days with the results of your investigation.