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

I was XXXX  in XXXX  and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX  transfers.
Product: Debt collection

Dear CFPB Representative, I am writing to formally dispute a collection account reported by Aldous and Associates on my credit report, showing an open balance of {$240.00}. This account is marked as Placed for Collection, with remarks indicating that I, the consumer, have disputed the account information. I believe this account is reported in error, and I would like to provide the following information for consideration : 1. Membership Cancellation : I contacted the original creditor to cancel my gym membership and requested this cancellation over the phone. I ensured that my cancellation was conveyed clearly to avoid any additional charges. 
2. Address Change Notification : I Notified my address change to the original creditor. 
3. Lack of Proof of Attendance and Relevant Lease Terms : To date, neither Aldous and Associates nor the original creditor has provided any proof of attendance at the gym following my cancellation request. Additionally, I have not been provided with a copy of any lease or agreement terms that state I am unable to cancel my membership due to an address change or other circumstances. I believe this lack of documentation further supports my position that I should not be held responsible for this balance. 
4. Non-Original Creditor : Aldous and Associates is not the original creditor with whom I had my gym membership agreement. This collection account does not accurately represent my agreement with the original creditor or my current obligations. 

Given these factors, I respectfully request that this account be thoroughly investigated and removed from my credit report. I have included relevant documentation to assist in your review. 

Please confirm receipt of this dispute letter and advise if any further information is required. I look forward to a prompt resolution. 

Thank you for your attention to this matter.
Product: Debt collection

I had a medical appointment with XXXX XXXX. XXXX XXXX failed to file with my insurance company after multiple discussions in XXXX and XXXX of XXXX. I eventually contacted the insurance company in XXXX of XXXX and they contacted XXXX XXXX with me on the phone and said that XXXX XXXX was failing to file it under the proper state. In XXXX of XXXX we received our first letter from the debt collector, Harris & Harris. I asked the debt collector for time to discuss the bill with XXXX XXXX. We called XXXX XXXX again on XX/XX/XXXX and threatened a XXXX  complaint, at which time they escalated the complaint to management and filed the insurance correctly. On XX/XX/XXXX, within 30 days of the first debt collection letter, I sent a certified letter requesting debt validation. I then received a debt collection letter dated XX/XX/XXXX from Harris & Harris. I called Harris & Harris on XX/XX/XXXX and they verified that they had received the request for validation, but sent the letter because they were still processing my debt validation request. I understand that it is illegal for a debt collector to continue collections after receiving a request for validation within 30 days of initially informing me. They did continue collections by letter, of their own admittance, after receiving my request for validation.
Product: Credit reporting or other personal consumer reports

I PAID THIS ACCOUNT ON XXXX XX/XX/year> BUT IT IS STILL SHOWING AS PENDING. I WOULD APPRECIATE IT IF THE INFORMATION COULD BE UPDATED CORRECTLY IN THE SYSTEM. IN THIS DISPUTE, I WILL ALSO SUBMIT THE NECESSARY DOCUMENTATION TO VERIFY THE PAYMENT.
Product: Credit reporting or other personal consumer reports

I have negative items on my Experian report that are inaccurate and have been removed from both XXXX and XXXX as such, however Experian will not remove these inaccurate items and will not allow me to dispute further.
Product: Debt collection

XX/XX/XXXX, my husband and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XX/XX/XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from XXXX Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.
Product: Checking or savings account

Money authorized once via XXXX was charged twice at the banking institution. My checking was overdrawn and had to be transferred from my savings. I have gone without funds for 5 hours and counting.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Prior cfpb complaint number XXXX .. Related to today 's complaint i have been trying to obtain my free annual credit report and have been unable to do so thanks to experience i have called and sent multiple letters and did about two cfp be complaints to try a fix the problem their last investigation which I mentioned above they replied about Inquires etc, which indeed was not what my complaint was for. My complaint was to address the lack of response on experian and trying to fix this issue with obtaining my credit report. Let it be noted on the record that I have made two cfpb complaints before Filling a small claims lawsuit. Experian Willful non Compliance is hurting my financial well being
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I made an online request regarding a personal from XXXX XXXX for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my credit score. See copy of email below. 

XXXX XXXX  XX/XX/year> Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. One of these sites passed us your request from your search on XX/XX/year>. Important : Checking for loan offers did not affect your credit score. 
We understand how important it may be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( s ) we are unable to provide you an offer : Insufficient recent bank/national revolving info.

Number of revolving accounts Payment on accounts
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX 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 clicked on an email I received for get credit score from 3 reporting agencies for XXXX XXXX All I've gotten was charged XXXX monthly for services I didn't want and haven't received. I still have not seen my credit score. I have disputed this with XXXX and every time I put money in my account they grab it up. I have had to get XXXX to get my money back I have contacted the company and asked they cancel whatever they enrolled me in w/o my consent. And still ive been charged again for services i dont want. The company is XXXXand they don't take it monthly but soon as I put money on my card it's like they know it's there. They took XXXX out of my account on XXXX XXXX, XXXX, they arent even on a monthly schedule.
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 a bt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I RECEIVED A CALL FROM PHOENIX FINANCIAL ABOUT A DEBT OWED TO XXXX XXXX FOR XXXX XXXX. I ADVISED THEM THAT THE INFORMATION THEY HAVE IS WRONG AND I HAVE NEVER RECEIVED CARE IN XXXX XXXX AND HAD NOT BEEN TO XXXX XXXX IN OVER 10 YEARS. They got snotty about owing and not paying and said they would place it on my credit report. I advised them that they have the wrong person and would now be knowingly placing false information on my reports. They did so anyway. I have disputed this many times for the same reasoning. I have never received care in XXXX XXXX and have not been to XXXX XXXX. They continually place this harmful and false information on my credit report. I have requested copies of the identification given at the time of service and the services rendered. I have received neither- the information has only been updated on my report as not being paid. But I do not owe for this account. They have called me time and time again and when I refuse to verify any information they have even gone to calling me out of my name. There are days when they call me early in the morning and in the late evening after XXXX PM. They will at times call me back to back disrupting my work day!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX 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

On XXXX XXXX, 2021, STERN RECOVERY SERVICES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires in my credit bureau of Transunion that I do not and authorized please delete these queries from my account thanks.
Product: Debt collection

I got a letter claiming I owe {$36.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and collected by transworld systems inc ( TSI ). 

Noted charge was falsely applied to me while I was using a XXXX XXXX XXXX along with other charger that was over {$100.00}. 

I disputed with my bank part of the {$100.00} as I saw accurate and the whole {$36.00}. The dispute was successful and my bank received no evidence or communication from XXXX. 

transworld systems Inc asked that I write to them by XXXX, XXXX XXXX  or else they will assume that the dept is correct. transworld systems Inc never attempted to call, email, or mail me. transworld systems Inc also falsely claim that I can dispute the claim online which I did XXXX  times. TSI didn't provide any email confirmation or any other way of confirming that they received the dispute. Hence, they can always claim that they never heard back from my and claim that the charge is accurate which is far from true and a practice of criminals. 

transworld systems Inc dispute form allows only uptoXXXX character which is criminally low and didn't allow me to tell my side of the story, or defend myself. 

transworld systems Inc never responded back to my disputes and never provided any evidence of the charge. 

Reference TSI Number XXXX.
Product: Debt collection

In XXXX  of XXXX  I received a notice from the loan company that services my XXXX XXXX  advising me my payment was missing. Note : the servicing company changed their address and ALL our account numbers. My payment is set on AUTOPAY through my bank so I updated the address and account number and called ( on XX/XX/XXXX ) and spoke with XXXX who advised me not to worry ; the payment would get to them eventually. She advised she would note the account and no late fees would apply. A week later I received another late notice, I called again and after speaking with a few customer service reps I insisted on a manager. I spoke with XXXX ; this was on XXXX  and again on XX/XX/XXXX. I provided them with Reference # 's Trace ID # 's and proof of payment from my bank. They acknowledge that they received my money/payment but they don't know where the money went or to which account it was applied to. Clearly it was not mine. Meanwhile my sister passed away, I have to travel out of state a week before XXXX for her services and came home with XXXX. Since I had not heard back from XXXX I was confidant the matter was resolved. Imagine my frustration when I received not one but two notices in my mail yesterday ; and yes showing late fees. I am growing weary of this and need help.
Product: Debt collection

Debt validation according to 15 SC 1692G I request a a detailed list of history payments made by me on this account. I want to see the signature that I put on the contract guarantee that I will pay this creditor. Im also asking to see has there been any insurance claim found on this debt? I want proof that you have a chain of title to collect on this debt.
Product: Debt collection

i have tried contacting XXXX XXXX numerous of times about false debts on my credit. these debts are affecting my credit and theses debts are not mine. they harrassed me and threated to put these debts on my credit even after explaining numerous of times these are inaccurate. They had a 3rd party to send me letters of balances and procedures that arent mine which i a violation of HIPPA as i did NOT give permission to give out any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been working on my credit since 2024 and have reached out to the credit bureau 's about these inaccuracies on my report. There are multiple addresses incorrect and misspellings of my name.
Product: Payday loan

Pay Day Loan was taken out in my name XX/XX/XXXX 2015 from " Speedy Cash ''. I did not request this loan/application.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal
action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting

Ove my lifetime I have had loans on XXXX homes all of which were paid off in full. My current home does not have a mortgage. I have also have had several credit cards on which I never carried a balance and car loans that were paid in full. Within the last ten years I had credit cards from a hotel chain and XXXX stores. I have since closed all of those accounts. As of now I pay all my household bills with automatic deductions from my debit card and also use the card for purchases. ( Visa XXXX XXXX XXXX XXXX ) My problem is that when I attempt to rent a car my Visa card is denied. I tried to get help from the credit reporting companies with no success. There is obviously something wrong with their reporting system.
Product: Debt collection

Received many calls from a XXXX XXXX of RSG Collect. 

Requested executed agreements for amoutns owed and XXXX has only sent unexecuted agreements over. We never received any billing or amounts owed from his " client '' and were totally unaware of the debt. We tried to reach out the client to resolve any misunderstanding but he has not got in touch with us. 

XXXX XXXX XXXX has threatented to call our employees, suppliers and everyone tangential to our business. He has provided no paperwork or contract showing that we agreed to any of the amounts owed.
Product: Credit card

I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing, we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us, so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted, so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back, my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved, so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days, this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I never received validation and proof of claim from this company I only received something for the XXXX reporting agencies stating it was correct, verified and corrected on my report. I received the original documents or something in the mail proving I've done business with this company. I've given this company permission to report anything either in which is a violation of my consumer rights.