23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The company is being non-responsive to my request to close my account. They do not provide a fax number or email address to send a requested signed letter to close my account. When you call customer service, they make you wait 20 minutes for an agent and then pretend they can't hear you and hang up. I have sent numerous secure messages requesting account closure, and they do not respond in the promised 48 hours. I do not want to receive fees for now having a {$0.00} balance and trying to close my account.
Product: Debt collection

I was contacted by a company claiming to need to speak with me about a business matter when asked who they were and why they were calling they would not provide any info unless I validated my personal information. 

I would not validate my info because I have never had an outstanding collection in my name and had no reason to believe a debt was outstanding. Because I pay my bills on time, every time. 

After attempting to find out more info about why they were calling me, eventually the agent I was speaking with said well since you are obviously ( name ) this is an attempt to collect a debt He then proceeded to tell me what the debt was for. An apartment complex I lived at 4 years ago and had a security bond with in the event that there was any damage when I moved out. I have never seen an invoice from this company in the last 4 years or had any contact from this company. 

We got nowhere on the call and I told him I wanted to look over my consumer protection rights. Near the end of the call he stated something to the effect of most people dont pay right off the bat until it starts pinging to their credit which worried me. 

I then called the company directly. They stated that they have been purchased by another company and no longer have records of any past tenets. And referred me to a different company. I called the other company every day for a week, left voicemails and was unable to get in touch with anyone there. 

I then received an email from the company claiming to be a debt collector on their behalf. I responded with the I need more information about this debt sample letter. 

To which they sent back some of the info requested, but not all of it. Of note, they didnt send me back their state or federal debt collector license number. Which also led me to believe they were trying to scam me. 

With them not providing this information I decided to call my state XXXX XXXXl and XXXX XXXX XXXX to see if they could locate this debt collector in their system. Lo and behold, they were not licensed with the state. 

I have not submitted a state complaint yet but will do so. 

I also requested that they only contact me via email. And they have called me directly and left voicemails 3 times since my request. 

They also sent an email most recently stating they are no longer handling this debt and that its been reclaimed and that if it has been reported to my credit that they have requested it be removed However, after I received that email, I received an alert that there was an unpaid collection on my credit. Which is the exact opposite of what their email said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Product: Debt collection

Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681-2 Responsibilities of Furnishers of information to consumer Reporting Agencies.1.PROHIBITION-reporting information with actual knowledge of errors or inaccuracies.The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON CONSUMER REPORT!
Product: Checking or savings account

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Yesterday, I have received this email to the registered email address. It asked me to specify the account number for XXXX XXXX. XXXX. Since it was not clear what this meant, I checked the website of bank and still not clear. Previously, I have sent the issue on all my account including a joint account ; therefore, there is no necessary to indicate which account number to be checked. 

Sincerely,
Product: Checking or savings account

On XX/XX/2021 I was charged {$1200.00} that I did no authorize. So I submitted a claim like anyone would do. The merchant involved is XXXX. 

I waited for a temporary credit that never came instead on XX/XX/2021 I got an email basically saying my case was closed & no further action would be taken. I was stunned and still am. I tried to call in to speak to claim services however nobody would tell me anything. 

So now Im here trying to bring justice to whom ever used my card information at XXXX. This really put a damper on me and my family. I already make around minimum wage... now my account is in the negative {$720.00}. So I ask that someone please get to the bottom of this and make things right. 

Thanks XXXX XXXX XXXX number ; XXXX Entities involved ; Bank of America XXXX XXXX XXXX
Product: Mortgage

In XXXX I got a home with a first mortgage XXXX and second mortgage XXXX I defaulted on my XXXX mortgage in XXXX and it was charged off over 10 years ago from XXXX XXXXXXXX XXXX then sold to XXXX now XXXXXXXX XXXX Ive been paying on my XXXX loan through out the years they told me my account was charged off always in XXXX I XXXX got a letter that statebridge was going to be my new mortgage Company I called XXXX about it before and after I called statebridge afterwards they said it was my second mortgage again and I owe them XXXX XXXX so they reopened it and are now trying to bring me to court on XX/XX/XXXX please help I do want to pay I need my home
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform credit bureaus that the accounts reported below in not authorized. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an alert of an account on my consumer report and notice a collection from Convergent Outsourcing dated XXXX.According to my report, the account was opened XX/XX/2021 and i've never been notified of this. So I sent out a validation letter along with a cease and desist letter XX/XX/2021 certified with a delivery received slipped. A rep from Convergent by the name of XXXX XXXX called me about the account. He asked if i was the person at that address. I never verified my name with him or my social. The address he provided was not my address, never have been. He goes on to say he have the wrong number and hangs up. They sent a letter back with a bill they say i owe which i do not because ive never lived at the dwelling the have associated with the account and that's not my name.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, I received a notification that my account was unlocked due to suspicious activity. It was unlocked, XX/XX/XXXX, due to no suspicious activity found upon their verification. Since then I have not had access to my account and anytime I try to log in, I see an error where the app states that it can not verify my identity. I have reached out to support and have had zero luck trying to resolve this and am left with no answers as to why this is going on and what my other options are. I have tried everything they have suggested and submit several forms of identification in order to regain access. I have upwards of {$900.00} in the account and I am in desperate need of it. The apps support advocates have been useless and seem to be some type of AI or scripted support.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 



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

Good day. Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX
Product: Credit reporting or other personal consumer reports

Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off XXXX time. This is clearly a violation.
Product: Credit reporting or other personal consumer reports

XXXXDOFED - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXXDOFED - XXXX U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE US DEPT ED - XXXX - U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE. 


INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed for and was approved for the TPD discharge of my Federal Student Loans. My Nelnet balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and Nelnet and even reached out to the Department of Education with no resolution to this yet except to wait up to XXXX or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to XXXX XXXX so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to unfair practices and inadequate customer service. This violates the Consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to address fraud issues, they couldnt provide what guideline was broken for closing my account after I reported fraudulent activity. They did not provide or protect me from further fraud under the Electronic Fraud Transfer Act ( EFTA ). This has caused me to have significant financial loss and inconvenience, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I purchased furniture from Interior Define for a total of {$10000.00} on XXXX. 
At the time of purchase they informed me, I must pay in full or finance with Affirm. I chose to finance with affirm. I chose to have the payments withdrawn from my XXXX checking account. The monthly payments were {$850.00}. I chose to make a lump sum payment on XX/XX/XXXX of {$5200.00}. Due to this payment, my payments didn't resume until XX/XX/XXXX ( I stopped further ) payment on XXXX, XXXX. So to date I have paid a total of {$6100.00}. 

In response to my email to Interior Define, they respond to me on XX/XX/XXXX that my order was never processed and it halted business on XX/XX/XXXX. 

Affirm responded to an email from me on XX/XX/XXXX, to say they will contact me with an account update as soon as possible. 

I would like an immediate and timely response. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting XXXX  and XXXX  information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint about a debt that was paid with a collections company under a settlement agreement, This account was settled in Full for {$430.00}. I have the letter that was sent from ASG Solutions LLC. I believe my file was mismanaged and the fund were applied to another XXXX XXXX XXXX XXXX {$740.00}. I recently pulled my credit report from all three credit bureaus, XXXX, XXXX  and XXXX   and to my amazement, saw that ASG Solutions LLC have never updated the account. I immediately disputed this by phone, as I had not even received a statement from you. All these bureaus verified the update. I tried numerous times to get my statements from you, but never received them. Finally, I was able to get someone on the phone and paid the balance. You assured me everything was fine and reported properly. What happened? I settled this account! I have my cell phone statements to verify my numerous requests for my statements.