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

XXXX no longer services student loans. Those loans are now serviced by XXXX. XXXX reported a past due balance of {$1900.00} in XXXX right before it turned over servicing to XXXX. My account was current in XXXX. I provided proof to the credit reporting agencies and told them that XXXX no longer services the account. The credit reporting agencies claim in their investigations that the information is accurate, and my account is still past due. Not only is the information no accurate. I am current with XXXX and they did not even note that change.I can not can not contact XXXX dirrectly. They redirect me to XXXX. I have attached only the XXXX Investigation report. But all three agencies misreported the case. They all need to be corrected.
Product: Checking or savings account

The identify verification information being used by Security Services Federal Credit Union is not correct and is prohibiting the correct verification of my identity. This problem is not unique to SSFCU. It has occurred with several banks because they because their source information, presumably procured by the credit rating agencies, is not correct. My credit information is often confused with my father 's information. I have tried to disentangle this with the credit rating agencies before with limited success. I am currently trying to open a CD with SSFCU and keep getting asked identity information about my father. I am therefore required to answer information about my father to verify my own identity. Even when I try to correctly answer all questions, some information I simply don't know, like the color of the car he bought before I was born. This is a system problem that needs to be fixed, but neither the credit rating agencies procuring the information, nor the credit union using it, are willing to take the effort to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called to dispute an account for XXXX XXXX to be removed from my account, due to FAILURE TO COMPLETE PROPER INVESTIGATION. 

I spoke with, XXXX. 
I asked for proof of VERIFICATION. 
XXXX stated he was NOT REQUIRED BY LAW to give me any PROOF of investigation. 
I asked him how did he VERIFY the account? 
He REFUSED to tell me. 
After asking repeatedly, he finally said, WE ASK IF THIS ACCOUNT IS ACCURATE and the creditor says ; YES OR NO. 
He also told me that EXPERIAN CAN NOT AND WILL NOT REMOVE THE ACCOUNT, because the creditor says it belongs to me, REGARDLESS OF INACCURACIES.. 
Which is AGAINST section 609. 

The company in dispute is reporting inaccurate number of terms on the account being reported. They are also reporting monthly missed payments on a CHARGED OFF account.
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 proce 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 and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Portfolio Recovery Associates Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ ___________________________
Product: Credit card

My apple card was being charged fraudulently from XXXX of this year from many different places around the country, many transactions in multiple states on the same day. This resulted in my savongs account transfering thousands of dollars to Goldman Sachs being auto-deducted from my savings account through XXXX  to pay for the apple card. 

There is also no way for someone to use my virtual apple card because I have not had an apple device since XXXX of this year. After months of waiting for my disputes to be investigated, they were deemed authorized and not fraudulent. I have requested for these decisions to be reversed multiple times and asked for the reasoning behind these outcomes, however, the " Apple Card specialists '' can not provide me with any of that information. 

I can provide invoices to when I traded in my apple device and bank statements showing the fraudulent transactions. I also have photographs with location metadata throughout these months proving I was not in these places ( XXXX XXXX XXXX XXXX. ) on the date of transactions. 

It is of note that I live and work in western XXXX  and nowhere near where the apple card was being charged.
Product: Checking or savings account

Hi, I have to checking accounts and one of my account I never put funds into it unless I 'm making a purchase. Once I make a purchase I transfer the fu day from another checking into the checking account that I use to pay a bill. And then a few days later after my purchases has posted from my account the bank then try to repost those same purchase making as if I have no funds in the account. There try and take money from me twice. The bank I 'm referring to is Wells Fargo bank
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company Midwest recovery and XXXX  and XXXX   have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to Transunion a collection in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance and not as a collection. I have attached a copy of the letter dated XX/XX/2020 wherein the letter confirms this account has been paid-in-full. This false reporting of a collection is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This line item needs to be removed and/or updated to report correct information. I have contacted the bureau to fix this however, I have not been successful.
Product: Debt collection

XX/XX/2021 an account was open in my name I did not give consent to anyone to benefit or utilize my authorized credit, nor authorized to sell or trade my information to a third party!
Product: Debt collection

I am unaware of the debt with Midland Credit Management. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Product: Debt collection

The first collection account was as a result of the billing policy at XXXX. Each visit to a different practitioner was billed to a different account. One of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The second account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the Emergency Physician Bill, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX. No account number given. On XX/XX/2021 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 without my written instructions.
Product: Vehicle loan or lease

i got in a wreck, on XX/XX/XXXX and have been making payments on my loan account. I have gap insurance and the gap company paid out the leinholder from the day of the accident. the leinholder now is not refunding my money for the 5 payments i have made since the day of the accident
Product: Debt collection

I own a small business. I have an Electric Bill. This electric bill is collected by Ohio XXXX, but part of that bill is paid to XXXX as an energy provider. Ohio XXXX handles that part of it, I only pay Ohio XXXX. So I receive a phone call from Hunter-Warfield regarding an attempt to collect a debt. The message I receive is to call them back?? In order to stop these harassing phone calls during my business hours, I attempt to call Hunter-Warfield about this debt? They tell me that I have an outstanding balance from XX/XX/2015? 4 years ago?? And the debt is being collected for XXXX XXXX. Not once have I ever written a check or paid a utility serviced called XXXX! I have always paid Ohio XXXX, and I would assume Ohio XXXX then pays XXXX. Anyway .... not my problem, however it is my problem now because I have to stop what I'm doing in the middle of a business transaction, in the middle of talking to a customer, in the middle of any day to day operation to answer their harassing phone calls every day!! I should not have to put up with this!!! I asked them to send me proof of once, just one time, that my business paid XXXX XXXX. They couldn't. They cant provide a cancelled check or a past due bill. I believe it is a scam and I want their harassing phone calls to stop!!!! BTW ... Not one time has XXXX contacted me by phone or mail about this so called missed payment back in XX/XX/2015. Hmmm??
Product: Student loan

I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax. 

I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}. 

The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month. 

HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 

I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt. 

I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act XXXX XXXX XXXX account number ending in XXXX, first premiere act ending XXXX green dot bank act ending XXXX XXXX XXXX XXXX XXXX ending in XXXX has violated my rightsunder 15USD 1681sec6028 states I have the right to privacy 16usd1681sec6042 consumer reporting agencies can not publish my accounts without written instructions
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX  : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Money transfer, virtual currency, or money service

CFPB I've been fighting with WELLS FARGO ever since XX/XX/XXXX because they are 100 % at fault. So, its called a " Mediation Program Form because my money was stolen or taken out of my account do to Wire Transfers that are Unauthorized Transactions Dates that my funds were Stolen, Taken and wire transferred without my consent, known as Unauthorized Transactions. 

XX/XX/XXXX {$10000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$400000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$17000.00} XX/XX/XXXX {$11000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$120000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$850.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$110000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$100000.00} XX/XX/XXXX {$120000.00} TOTAL ABOUNT THAT WAS TAKEN AWAY FROM ME, DUE TO " Unauthorized Transactions '' is {$660000.00}. 

I was Completely Un-Aware of this, do to me going through Surgeries, so I wasn't even aware of it, until I got back from my Surgical Procedures. 

XXXX Surgeries was performed XXXX  : XXXX  & XXXX, to where I even aloud them to see what was performed, so that others can get better! 

XXXX Dates : XX/XX/XXXX TO XX/XX/XXXX and didnt Recover until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND 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 accounts 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 XXXX XXXX XXXX XXXXXXXX, AL XXXXXXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXXXXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2022
Product: Mortgage

In 2016 weeks Fargo foreclosed on my mortgage incorrectly. I ended up having to sell for a low price and pay out of pocket on a hurry. It was their mistake and there wasnt anything I could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that you will immediately correct this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing sham investigations and other unlawful practices. According to the CFPB, these practices include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAVEVCOMPLETLY AND DELIBORATELY IGNORED THE LAW AND CONTINUOUSLY VIOLATE MY CONSUMER RIGHTS PURSUANT TO : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NOT SUBMITTED MY WRITTEN CONSENT!!!!! NO WRITTEN CONSENT IS IDENTITY THEFT. 

As a consumer, I am demanding a THAT THE FOLLOWING ACCOUNTS BE UPDATED TO PAID AS AGREED NEVER LATE.!!!! 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IF THESE VIOLATIONS ARENT REMOVED IN 7DAYS I WILL BE FORCED TO PURSUE LEGAL ACTIONS AND MONETARY COMPENSATION FOR THE EXCESSIVE CONSUMER RIGHTS VIOLATIONS.