23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On My credit report there is a XXXX  account a XXXX XXXX account and a XXXX XXXX XXXX  account on my report all which happened as a result of identity theft. i submitted an FTC complaint to the three major credit bureaus XXXX Equifax and XXXX XXXX in or around XXXX of XXXX  along with a police report of the actual crime. The information was not removed from my credit report. Please have them remove the fraudulent accounts from my report immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On this date ( XX/XX/17 ), I went to each of the three credit reporting agencies and applied to freeze my credit reports. I was able to freeze my XXXX XXXX XXXX reports, and when I tried to do so with TransUnion, they guided me through the process on-line, but, somehow, they signed me up for " Credit Report Monitoring '', not simply freezing my credit report, and I was charged {$20.00} for this " service ''. At no time during the process was I advised that I was applying for credit monitoring and nowhere did they indicate that I was being charged. I was asked for my credit card information, however, I assumed it was for confirmation of identity. At the end of the process I was simply sent an e-mail indicating that I was charged {$20.00}. The website is set up in a deceiving way, and they fail to disclose that the " application '' is for credit monitoring and that there is a charge for this service. I do not want credit monitoring, and only wish to freeze release of my credit report. 

I have been on hold with the company for 30 minutes already, and no one has yet helped me, and there is no means of contacting customer service online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Navient has denied my requests in the past to lower my payment to a manageable amount. They instead continue to request a deferment versus assisting me with this matter. I also applied for the Public Servant Forgiveness Program, in which Navient failed to act. I am a public servant and have been for 18 years.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.
Product: Mortgage

I am complaining about Shellpoint Mortgage Servicing. Recently my attorney sent the servicer the sum of {$170000.00} to pay down the principal of my mortgage and the servicer sent the money back for no reason.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against c 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: Checking or savings account

My funds were held for pending transactions just so they could collect these fees. Ive spoken to them in numerous occasions in regard to this over the last XXXX mos with NFCU
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX XXXX EXPERIAN have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XXXX, XXXX and XXXX 2019, I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. 

I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute in XXXX and XXXX of this year. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$260.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my requests, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Debt collection

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Validation of Charged-Off Account Pursuant to 15 USC 1692g Dear Equifax Consumer Dispute Center , I am writing to dispute the validity of a charged-off account that has been reported on my credit report by Equifax. According to the information provided, there is an outstanding debt associated with my XXXX XXXX  account. However, to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and its provision under 15 USC 1692g, I kindly request validation of this debt. 
Account Details : Creditor Name : XXXX XXXX  Date of Charge-Off : -- - Amount of Charged-Off Debt : {$1900.00} I request that Equifax Consumer Dispute Center investigate and provide the following information to validate the charged-off debt : Verification that Equifax has accurately reported the charged-off account information provided by XXXX XXXX. 
2 Documentation establishing the exact amount of the charged-off debt, including any interest, fees, or charges incurred. 
3 Copies of statements or records reflecting the transactions and agreements related to the charged-off debt. 
4 Proof that XXXX XXXX has reported this charged-off account to Equifax in compliance with applicable laws and regulations.

Under 15 USC 1692g, it is crucial that Equifax fulfills its obligations by conducting a thorough investigation into this matter and providing the requested information within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may take appropriate legal action to protect my rights.

During the validation process, I kindly request that Equifax suspends reporting any negative information related to this charged-off account to third parties, including any further reporting to creditors, lenders, or other credit reporting agencies. appreciate your attention to this matter and anticipate a prompt response.

Please communicate with me in writing at the address mentioned above to ensure accurate documentation of our correspondence.

Thank you for your immediate attention to this dispute. I look forward to a resolution in accordance with the FDCPA and relevant regulations. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute with Equifax regarding numerous unauthorized inquiries to my credit history ( about 24 in total, give or take ). The confirmation of that dispute is : XXXX. About two hours later I received a result stating that they had fully investigated all inquires, and that they were all valid. A request for how they verified these details went unanswered. 

Given the fact that there quite a few inquires to check, mixed with the fact that they responded a few short hours later, leads me to believe that they did not investigate my dispute at all and therefore have violated the Fair Credit Reporting Act.
Product: Checking or savings account

On and around the XXXX of XXXX, my wife was scammed in a fraudulent XXXX scam ring to the tune of {$8500.00}. We contacted USAA because she deposited a check from a company and the funds showed up available after 2 days. Since the money actually posted in the black and showed as a positive in the account she took out the funds to pay what was called processing fees in order to collect her " winnings '' the day after she pulled the money out in the form of money orders, the money was then showing as never having been there. So after calling and speaking with several reps from USAA, they simply told us that there was nothing they could do and it was our fault for having 11 years of " good banking behavior ''. Meaning when we deposited the check, they assumed it was good and made the funds available. But then days later, the check we deposited bounced and they just put our account in the negative without a call or any form of correspondance. They simply told me the money wasnt real because the check bounced. My question to them was, if the money wasn't real when it was in my " hands '' ( account ), then how is it now real when they ( USAA ) want to charge me that money? and the incidental kick to the junk {$5.00} processing fee they tacked onto the {$8500.00} that " wasn't real ''. Again, the money wasn't real to me, but was to USAA, they got real money from my account with subsequent fees, for money they themselves told me wasnt real ... I am ok with losing my money that was in the account which was only a bit over {$2000.00}, we got scammed, I get it, and I'd gladly eat that amount in shame. I am not however ok with being scammed by my banking institution to the tune of a total of {$13000.00}. When USAA took the the XXXX ( account was over 11,000 before the wife took out XXXX ), it put my account at a negative XXXX, and in turn I had to take a personal loan of XXXX, just to get back in the positive, for incidental bills and costs. This is unacceptable to say the least. Best case scenario, I get my money back or at least USAA loses that " Fake money '' that they made available taken from them. OR something happens to where this doesnt happen to anyone else. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt ACCOUNT XXXX XXXX  # 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 or other personal consumer reports

I am in a XXXX XXXXXXXX I have some stuff credit report XXXX XXXX XXXX account for XXXX account number XXXX a XXXX XXXX XXXX  account number XXXX a XXXXXXXX XXXX XXXX acount XXXX. And a XXXX XXXX XXXX number XXXX. I asked all three credit reporting agencies for the letter. I need from the XXXX  XXXX Trustee that says I can have a credit card. I have not received a copy for that letter. The next steps I will take is a court order to comple that letter. If not received from XXXX XXXX. They are in violation ilof federal laws.
Product: Debt collection

Its a rental principal owed from someone who stole my identity. For a apartment rental in XXXX XXXX FL. For XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are Debt Recovery LLc Genesis from XXXX WA XXXX. I live in NH XXXX and also work here and do not live in florida or did. The rent there is {$3100.00} what i was told i owe is {$17000.00} I did not or would not pay that type of rent or live in florida! Date it is for XX/XX/XXXX to XX/XX/XXXX. So far this is all the information that was given to me over the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT XXXX XXXX XXXX account number- 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 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: Debt collection

I received a call from this company and asked for a detailed billing statement a statement as I dispute the debt owed. This was for a auto insurance policy that was prepaid so any payments were for the month ahead in advance. The policy was cancelled by me as I switched policies and the insurance company attempted to collect for the month I had switched to a new company already. The last month was prepaid in advance of switching. 
I wrote his collection company disputing the debt and asking for validation and proof of detailed billing and all payments They just sent the final bill from XXXX not proving I owed the bill or that it was a valid debts and while I was in dispute billing resolution with XXXX. The collection agency threatened to put it on my credit and did. 

Until I get validation I want this removed from my credit. I have proof I do not owe this to XXXX   and have sent them proof. Any dither collection activity should cease and disist as well as any attempts to call me or contact me unless it's to send the proof I asked for. If the debt is not removed from my creditors until it can be proven to be valid I will follow penalties pursuant to the fair debt collection violations. The company has not sent any validation as requested andt the debt in question is disputed and not owed. If XXXX comes back and can prove I owethis amount I will pay them the amount. I do not do business with collection agencies that do not follow fair debt collection laws.
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), XX/XX/XXXX A false fraudulent business credit card is listed on my personal credit report. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Business credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries XXXXXXXX XXXX XXXX  in question and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

I refinanced a multi-dwelling property loan and after closing the transaction I noticed the property address was missing part of the address. I have been calling the mortgage company over 3 years requesting the address to be corrected or updated with no avail. I even submitted lots of legal documents such as property tax bill showing the full property address and they refused to update it saying I need a 911 form GIS no one in this mortgage NewRez servicing loan company can show me what kind of form that is to provide it. XXXX XXXX Sheriff Dept does not know what form it is, XXXX XXXX County assessors office does not know either. I am EXTREMELY exhausted dont know how to legally resolve this.
Product: Credit card

Dear CFPB, I am writing to file a complaint about an unsatisfactory experience with Capital One Venture X 's marketed travel protections, involving a canceled trip and a convoluted reimbursement process. 

On XX/XX/XXXX, I purchased a trip using my Capital One Venture X card. On XX/XX/XXXX, approximately XXXX hours before departure, I received a notification from the airline that my flight was canceled and my connecting flight delayed. Despite the time-sensitive nature of my trip, I was offered no assistance or alternative travel options. 

The Capital One Venture X card advertises travel cancellation and delay reimbursement. However, when I sought reimbursement, I encountered the following issues : Lack of Direct Support : I was instructed to pursue reimbursement through an underwriting company, only to later learn that the initial insurer was incorrect. I was then referred to a third underwriter. 
Prolonged Delays : After more than a month of waiting, I have been informed that the third underwriter is still awaiting a response from the airline.

Recurring Airline Issues : The airline involved has a history of poor service, including displaying incorrect baggage policies on Capital Ones booking portal ( for which I was reimbursed ) and either delaying or canceling 2 out of the 3 flights I booked without providing any justification.

These experiences have highlighted gaps in the protection and resolution processes that Capital One and their chosen partners ( both the airline and underwriters ) offer to consumers. I believe the CFPB should hold these companies accountable to a higher standard to ensure that advertised protections are meaningful and that resolution processes are efficient, transparent, and fair.

Thank you for your time and attention to this matter. I look forward to your response and any action the CFPB may take to address these concerns. 

Sincerely, XXXX XXXX