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

Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. 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 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 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: Debt collection

Called XXXX XXXX XXXX multiple times within the last three months for a copy of the lease agreement that they have not provided. Also was rude and uninformative asked to speak to a manager and I was told I could not. Also was lied and stating they had a different document that I have never seen and they refused to provide it to me.
Product: Debt collection

Received a XXXX and received a huge bill despit having insurance. Negative records on credit despit disputing it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Unit # XXXX XXXX XXXX Neveda XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX XXXX : Request for Deletion and Removal of Collection Account Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), Adverse ActioXXXX ( 15 USC 1681a ( k ) ( 1 ) ), Equal Credit Opportunity Act ( 12 CFR Part 1002 ), and Falsely Relying on Information ( 15 USC 1611 ) Dear Sir/Madam, I am writing to formally dispute the collection account opened on XX/XX/2023, in the amount of {$910.00}, which is being reported by your agency without my consent. I hereby request that you immediately delete and remove this collection account from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 

Firstly, I would like to bring to your attention that your agency, XXXX XXXX XXXX, Incorporated, has violated the provisions outlined in the FCRA, specifically 15 USC 1611, by falsely relying on information in this case. I have reason to believe that the information you are reporting is inaccurate, incomplete, and misleading. 

Furthermore, the adverse action taken against me by reporting this collection account without my consent is in direct violation of 15 USC 1681a ( k ) ( 1 ). According to this provision, adverse actions must be taken based on accurate and verified information, which I contest in this matter. 

Additionally, the Equal Credit Opportunity Act ( 12 CFR Part 1002 ), particularly section 1002.7 ( a ), mandates that credit agencies must provide accurate and reliable information when evaluating an individual 's creditworthiness. By reporting this collection account, which I dispute, your agency is not adhering to this requirement. 

As a diligent and responsible consumer, I believe it is essential to provide factual and valid proof of the existence of the debt in question. Therefore, I request that you furnish me with a notarized original account ledger, verifying the debt with the original creditor. This documentation will help ensure the accuracy and legitimacy of the alleged debt. 

I would also like to emphasize that I have maintained a commendable credit history and have consistently demonstrated my creditworthiness. I am Credit Worthy therefore I expect this matter to be resolved promptly and for the collection account to be deleted from my credit report accordingly. 

Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Failure to respond or address this matter adequately will leave me with no choice but to seek legal remedies to protect my rights and rectify the inaccuracies on my credit report. 

Please acknowledge receipt of this letter and provide me with a written confirmation of the actions taken to resolve this dispute. I can be reached at the contact information provided below. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo has not written to me to offer settlemend refund. I finance two auto and paid them off early never got gap refund and also had bank account that I didnt get a settlement for
Product: Debt collection

Portofilo Recovery has been calling me 3 to 4 times a day on a debt that I know I do not owe. I have told them to cease all calls and send mail via for communicating purposes. Since XX/XX/2017 I have received more than 4 calls a day and they are very rude. I sent them a letter for them to cease all calls but they keep calling with threats of jail time and or court.
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 an 1 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2021 a transaction of {$490.00} was made on my capital one credit card to front gate tickets for concert tickets. This was a double billed transaction, I only intended to purchase half of the tickets/transaction amount. 

I contacted the ticketing company and capital one to get a refund for half the amount. Capital one gave me poor advice on how to handle this transaction and directed me to accept disputing half the charge. Well front gate cancelled my entire order and capital one will only refund me for half my purchase. So I have XXXX tickets and had to pay {$240.00}. I contacted the ticketing company again, and they said they are having issues giving me a full refund due to capital one. All I would like is a full refund for my order that was fully cancelled. 

They are not protecting the customer, they are protecting the merchant. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX Balanceed Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax has allowed XXXX to report inaccurate information for over five years on my credit report. After multiple times disputing with Equifax and XXXX I have now filed my first lawsuit against both companies. I have another lawsuit that is being prepared against Equifax. Equifax has put me through the ringer for over a year and a half. The XXXX account should not be reporting as it is incorrect information and must be removed. The account reported as a charge off on my credit file when they actually sold the debt. Once the debt was sold in XXXX 2010 it should have updated on my report to list as sold. I have disputed this multiple times with both companies and previously disputed with Equifax through CFPB. I am currently disputing this with XXXX through CFPB case number # XXXX. My previous dispute through CFPB against XXXX was closed out with a simple letter stating that they had responded to me last year. Well my dispute was not the same as the response they sent last year. I have now filed suit against both companies.
Product: Checking or savings account

Dear Sirs, I kindly ask you to review the attached documents and please help me reimburse my founds {$10000.00}, illegally charged by Wells Fargo Bank XXXX 

Best Regards, XXXX
Product: Debt collection

Account info Account name TD BANK XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$480.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$480.00} Terms - On record until XX/XX/XXXX I do not know this account and formally request the original contracts between myself and TD Bank showing that I am liable for the debt on this account or that it be immediately and permanently removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX NO XXXX Balance {$250.00} XXXX CO XXXX Balance {$0.00}
Product: Mortgage

I have made payments that were not applied to my Mortgage and loan modifications which in turn caused the me to be considered to have defaulted on the agreements I have requested that XXXX XXXX XXXX Such and XXXX and XXXX to show me where the payments went. Not XXXX of the Servicers showed where the payments went and they foreclosed and sold the house and are now trying to evict me. The only verification I have received was a print out of payments received by XXXX which show payments that were received but not applied to the mortgage principal. They claim that the balance was {$120000.00} as of XX/XX/2010. They show payments received after that date yet they did not come off the principal and they show I did not default on the modification. They also don't show an XXXX payment they received. XXXX claims they have repeatedly verified the debt yet they show NO PROOF OF WHERE THE PAYMENTS WERE APPLIED NONE. All they do is claim I have supplied no proof yet i repeatedly supply it. I HAVE ONCE AGAIN ATTACHED PROOF OF THE PAYMENTS RECEIVED WHERE IS PROOF THE MONEY WAS APPLIED TO MY MORTGAGE TO MY MODIFICATION!!!!!!
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 {$5000.00}, {$32000.00}. 
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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- XXXX ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Credit card

I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately. 

My balance with Capital One is {$300.00} less then the aount on y report. 

XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Gemini XXXX XXXX has still not let me withdraw any of my funds due to an identity verification. 
I sent in all my documents weeks ago on XXXX and still have not gotten verified. I can not withdraw any of my coins and can not withdraw to a separate crypto wallet. They are essentially holding my money hostage.
Product: Bank account or service

XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. 
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. 
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. 
HSBCs vendor is their problem -- HSBC is responsible for paying my bills. 
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. 
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. 
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter in XX/XX/2019 to the three credit bureau equifax, XXXX and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.
Product: Checking or savings account

On XX/XX/2017, I discovered that my XXXX checking account had been hacked and the hacking had been going on since late XX/XX/2017. Copies of all my statements showing the hacking are attached, along with my letter to XXXX. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous PAYPAL accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and XXXX refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number generated by PAYPAL.
Product: Credit reporting or other personal consumer reports

Recently obtained my XXXX CREDIT REPORT and NONE of my personal information is correct. Name, phone number, address, SSN. However, Im a victim of Identitytheft XXXX. However the FCRA RIGHTS reads that ALL REPORTING information must be ACCURATE! Nothing on XXXX credit account is correct.
Product: Credit reporting or other personal consumer reports

I have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least XXXX sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record
Product: Debt collection

Someone from Sallie Mae keeps calling and now they are saying they are going to turn me in to the police. I co-signed for my granddaugter, and she is one month behind. The number calling is XXXX. My grandaughter asked them to put me on the do not call list but they didn't. They keep calling making threats. 

My phone number is XXXX and they call all hours of the day and night. 

I am over XXXX, I have XXXX, and I am in no position to pay this. I would like to be removed from the call list. My granddaugter said she is going to catch up the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 filed a dispute in regards to the incorrect items on my credit report. it has been well over XXXX days and i haven't received any investigation results
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I contacted JP Morgan Chase regarding a dispute I had with XXXX Essentially, XXXX  lied about what an accomodation included. The XXXX  offered accomodation was also un-sanitary with roaches and a fowl smell. We let XXXX  know the same night and left for a hotel. Spoke with XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020 and all refund requests were rejected even though we had proof. Opened dispute with JP Morgan Chase on charge, provided all the info and evidence we had. They rejected my dispute twice and will not allow me to further dispute the charge.