23daVinci/CFPB_Complaints huggingface dataset:
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 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 restitution 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I discovered my identity had been stolen. I immediately placed a hold on all credit reporting and reported the theft to the FTC. I am now ( XXXX XXXX ) trying to refinance a house and after seven attempts starting XXXX XXXX I have been unable to get Equifax to temporarily lift this freeze. Equifax is abusing its near-monopoly position and this delay, if unresolved, is going to cost me tens of thousands of dollars because of higher interest on an existing mortgage in comparison to the refinance. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My phone and computer started acting wonky, then I noticed my bank account missing funds that didn't add up. I checked my student loan amount, and I should only owe XXXX, not XXXX ... so I sent an inquiry about the loan due dates in XXXX XXXX XXXX was one of the companies that was supposedly sending out wrong statements so payments would be deferred automatically. I started school XXXX XXXX again, after a 2 year break, I did not end up taking these classes and instead took a spring class but my loans say they were A ) paid on time, I never made a payment since XXXX, plus COVID just ended so everyone had until XXXX to contact and update the student info and I was technically enrolled and had my loan offers already made, I am also not getting the full amount of my loans after disbursement and Im not sure where the wires get crossed between the school, and the business office and financial aid all have different amounts, but XX/XX/XXXX rolled around and they assured me I ; d receive the rest of my funding which was XXXX still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX LVNV FUNDING LLC XXXX, SC XXXX Subject : Final Demand for Debt Validation To Whom It May Concern, I am writing to inform you that your continued failure to properly validate the alleged debt associated with account numbers XXXX and XXXX, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XXXX, I submitted a written request for proper validation of this alleged debt, followed by a subsequent letter on XXXX. To date, you have failed to provide the legally required documentation to substantiate your claim. 

Your failure to respond, while continuing collection activity, including any reporting to credit bureaus, is unlawful and harmful. If you do not : 1. Provide proper validation of the alleged debt, including a signed agreement or contract, proof of assignment, and a detailed accounting of the debt ; or 2. Cease all collection activity and delete any related negative credit reporting, within 15 days of receipt of this letter, I will be forced to take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Submit complaints to my state attorney generals office. 

Initiate a lawsuit against your company for violations of the FDCPA and any applicable state laws. 


Please consider this your final opportunity to resolve this matter amicably. All future communications must be in writing. 

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

I am writing regarding the ongoing issue concerning the late open accounts inaccurately listed on my credit report. I have provided all necessary documentation and followed the required procedures to dispute these erroneous entries. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

I require the following actions to be taken promptly : Immediate Correction of Late Open Accounts : Ensure that all late open accounts are accurately reported on my credit file, reflecting their true status. 
Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences.

Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken.

Compensation : Consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. 
Failure to address this issue promptly will leave me with no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

The debt was sold from XXXX XXXX which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was Jefferson Capital system. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.
Product: Debt collection

On XX/XX/2021 got a call from HARRIS & HARRIS , LTD # XXXX asking me to provide my personal information as data of birth and SSN claiming XXXX XXXX sent my bills to collections. I never used XXXX XXXX services and rude demand from my personal information seemed suspicions to me. 
I am asking CFPB to check HARRIS & HARRIS , LTD # XXXX suspicious activity and protect citizens from abusive scam tactics used by HARRIS & HARRIS , LTD . 
Best, XXXX XXXX
Product: Debt collection

I was contacted last week by a Recovery Solutions group, with XXXX XXXX being the contact. I returned the call and she immediately begins speaking to me very rudely about a debt I supposedly owe, and threatened that they would be placing a lien on my house that Friday if I did not pay almost {$4000.00}. They claimed they had a signed contract and MPN that stated I agreed to pay this debt. When I asked for verification of this, XXXX XXXX hung up on me. I called back repeatedly and was sent to voicemail. I kept calling and she eventually answered, stating that she was " trying to find someone to help me '' but could not even answer my intital questions. I was later told I needed to pay this debt by that Friday or my house would have a lien placed on it. I kept asking for verification and was not given any. I was then connected wit " XXXX '' who was also very rude and told me that there was nothing he could do, a lien would be placed on my property and that would be the end of it and I was wasting his time and hung up on me. He then emailed me, sending me a contract supposedly signed by my husband that was dated XX/XX/XXXXwhen we had no work contracted by anyone from XXXX. He provided me nothing with amounts, or who I even owed or any further information than that. I demanded that they no email my husbands work email address, yet they continued to do so. They ignored my requests for verification of the debt. I sent a certified letter on XX/XX/XXXX, demanding these items and asking only to be contacted in writing through the mail. I received an email from XXXX XXXX today stating that she was not obligated to provide me with the items to verify this debt as she was not trying to collect a debt yet on her same email it stated " this is an attempt to collect a debt '' and the letter that I received also stated I had 7 days to dispute the debt and that they were attempting to collect. They also contacted my husband 's work email despite my request they do not. They also continued to contact me in writing via postal mail, and then email me. They have lied and used threatening and abusive language, and have threatened to pursue legal action against a debt they refuse to verify and claim they are not subject to the FDCPA. The contract they have been sending is from a date that I have disputed there was no work done to my house, yet they have not sent me any proof of anything that they are claiming
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement XXXX copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me XXXX I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!
Product: Debt collection

Original Creditor XXXX XXXX - So they claim. 
Paid XXXX XXXX in XXXX 2009, before moving to XXXX, so how could I possibly owe them {$320.00}? 
Told XXXX XXXX to discontinue service, paid bill, and never heard anything more from them, even though left forwarding address with Post Office. If there were any additional costs incurred, certainly nowhere near {$320.00}. 
Never received anything from MEDCAH at all. 
Now they claim they want almost {$600.00}, including interest. This is nothing more than blackmail and extortion. 
These people probably bought this old utility bill from someone for pennies on the dollar, and now think they can ruin my credit, and demand {$600.00} for it. How can they be allowed to get away with this? This is a complete travesty of justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and filed a dispute on numerous occasions with XXXX, Equifax and XXXX to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

EqifaxXXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ) XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ), XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX ( XX/XX/2020 ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXX/XX/2020 and XX/XX/2020 )
Product: Money transfer, virtual currency, or money service

I am am in a federally declared disaster area ( XXXX XXXX, Florida ) affected by Hurricane Milton. We had no electricity, water, etc.. after the storm and were approached by a person representing himself as a FEMA representative for debris clean up. 

Since we only had our phone operational during the days that followed the hurricane we were asked to pay the individual via phone app ; we paid the individual via Chime 's Pay Anyone service to assist us with the removal and cleanup of house/building debris. The amount we sent to him was {$900.00} to the email address he provided. 

This person did not return and did not provide any services. We filed an immediate fraud complaint with Chime. Chime did not help us at all ; they only routed us through various dispute processes while closing and reopening of the dispute case as we called and followed up. 

Chime has refused out right to help cover or accept our fraud claim. They asked several times for documentation which we sent various screenshots as evidence. They have all this documentation that we emailed to them at their request several times. They did not send us in return any " investigative documentation '' at all. They only sent automated emails denying our claim/dispute which I am attaching below. They only send the same automated email in reply. 

Upon the final conversation with a supervisor in disputes ( which we had to demand to speak with ) the person hung up on us saying there was nothing she could do.
Product: Credit reporting or other personal consumer reports

Sincerely To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. This matter is negatively affecting my credit score and, as such, violates the provisions of 15 U.S.C. 1666b, which outlines the timely posting of payments and proper credit reporting obligations.

The inaccurate reporting indicates late payments that I believe to be erroneous. I am requesting an immediate investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of disputed information. If the creditor can not provide concrete evidence and documentation proving that I was late, you must remove these inaccuracies from my report.

Attached to this letter, you will find : 1. A copy of my credit report highlighting the disputed items.

2. Supporting documentation confirming my timely payments. 

I demand that you recheck these items with XXXX XXXX XXXX, the reporting creditor. Please remove any unverifiable or inaccurate information. Furthermore, I expect you to complete this reinvestigation and provide me with an updated copy of my credit report reflecting these changes within the legally required 30 days. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates on your progress at your earliest convenience. 

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

THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has come to my attention that my credit with your bureau has been compromised. Upon reviewing my records, I noticed that the items I requested to be removed are still present in my credit report. As per section 605b of the FCRA, you are legally obligated to remove items identified as resulting from erroneous credit report details. The disputed items were unknown to me. Enclosed is the XXXX XXXX XXXX XXXX XXXXXXXX, which I have previously submitted. Please remove these items immediately. If you believe there is any possibility that these items belong to me, I request all documentation bearing my signature. Failure to provide such records and verifying these items will result in legal action. My attorney and I take this matter seriously, and I expect full compliance with the law to resolve this swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XX/XX/XXXX. Kindly remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018, I sent letters to TransUnion disputing incorrect public record, Bankruptcy Chapter XXXX-dismissed Texas. XXXX and XXXX were also contacted, they investigated and determined that the information was incorrect and the accounts were deleted from XXXX and XXXX. I requested for TransUnion to send me the name of the person that verified the information at the Bankruptcy court, the date it was verified and the name of the third-party person that was used to provide them with a verification. I called TransUnion on three occasions to follow up on the disputes and was told by specialist the information was verified. I was told by XXXX, Supervisor, that he could not provide me with that information. I called the court and wrote the court and I received a letter that they do not provide a debtor 's full social security number. So how did the third-party the credit bureau verify this as my account without having the full social used from the court?
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been reporting on my credit and I didnt know I was an authorized user for this account Id like this account immediately permanently removed from all 3 credit agencies please it should not be reporting on my credit and it is