23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions had 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

I had sent letters to Equifax, XXXX, and XXXX in regards of my credit reporting. According to 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

As you can see on the letters, the credit bureaus are violating my rights by reporting inaccurate information. I have not received any letters stating how those so called debts have been validated. They are violating my rights of 15 U.S. Code 1692g, to verify those debts and show me proof. 

They are reporting inaccurate and misleading information and it is hurting me, my consumer laws are being violated and I have addressed them about and they have done nothing to remove those accounts because they are violating my rights.There 's so many inaccuracies showing on the account.
Product: Debt collection

I do n't remember getting this card. They keep calling to collect an outstanding debt. They said I purchased something fro {$32.00} that is now up to {$170.00} because of non payment. They ca n't tell me what I purchased because it was passed on to a collection agency. Maybe somebody stole my info. Every time I think I 'm getting some where with debt collectors over the phone it hangs up. I have to pay the minimum amount do to see what was purchased.
Product: Checking or savings account

I'm writing to file a complaint against navy federal credit union regarding multiple over draft fees i have incurred despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits.this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was NEVER notified from FABCO, but instead the company placed my name in the Credit Bureau, XXXX. The account is a result of FRAUD in my name. The amount owed on an apartment is {$14000.00} in XXXXXXXX XXXX. I've never lived in Ohio. I live in Pennsylvania, I've lived here my entire life. I own my home. I've disputed it with XXXX, and they've told me twice that the information is accurate and it was denied. THIS IS TOTALLY wrong. I need your help getting this information OFF of my credit report. It is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

LETTER OF INTENT TO SUE Effective Date : XX/XX/2021 RE : Notice of Intent to File Lawsuit This letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a civil lawsuit against EXPERIAN due to the following : Inaccurate and invalidated credit reporting, resulting in multiple violations under the Fair Credit Reporting Act ( 15 USC Chapter 41 ), defamation of character, publicly publishing rude and obscene language in regards to XXXX XXXX XXXX and invalidated debt without consent. 
I. The Plaintiff. XXXX XXXX XXXX ( the Plaintiff ).

II. The Defendant. EXPERIAN ( the Defendant ).

III. Settlement Demand. As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX dollars ( {$4000.00} ) due to the multiple violations committed by EXPERIAN under the FCRA, along with removal of all previously stated inaccurate accounts being reported on XXXX XXXX XXXX credit report. Notice of fault, notice of default, and an invoice have all been sent to EXPERIAN per previous certified mailings. A copy of the unpaid invoice is attached to this letter. This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for thirty ( 30 ) days from the Effective Date.

IV. Governing Law. This Letter of Intent shall be governed under the laws of the State of California and the Federal Laws of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
If legal proceedings are commenced against you and you are unsuccessful in defending the claim, you should be aware the Court may order you to pay the costs of legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am experiencing difficulties accessing my credit report through Experian 's online platform. Despite multiple attempts, I have been unable to create an account, and I suspect this issue may be due to my status as an identical twin, which could be causing complications in Experian 's identity verification process.

Access to my credit report is essential for monitoring my financial health, and I am concerned that this inability to access my information may violate my rights under the Fair Credit Reporting Act ( FCRA ). I have contacted Experian to resolve this issue but have not received a satisfactory response.

I request the CFPB 's assistance in addressing this matter to ensure that I can access my credit report and monitor my financial standing effectively. 

Thank you for your attention to this issue. 
I have called multiple times and because they cant confirm my identity I am unable to talk or speak with an actual customer service representative. Ive tried endless times on online and honestly I dont know what else to do. I should not be punished because I am a twin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : - US BKPT CT WI XXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Money transfer, virtual currency, or money service

- Company : CoinBase - Website : www.CoinBase.com - Contacted company : Yes ( Unresolved ) - Emailed and called numerous times - Date Occurred : Approximy XX/XX/XXXX* - Problem : I bought XXXX LTC on XX/XX/XXXX. On the ninth day of the transfer, I got noticed that my transaction was canceled for an unknown reason. Since then, I lost full access to my cryptocurrency wallet. 

Respectfully, CFPB User
Product: Credit reporting or other personal consumer reports

This will also serve as a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, especially being held under Federal Law Stated in The Fair Credit Reporting Act SEC 15 Chapter 1681. The Law is Clear.

Your company has violated FCRA 15 U.S.C. 1681 ( a ) ( 4 ) Congressional findings and statement of purpose. Your company have violated my rights to privacy causing me to get denials on credit applications that or needed to support the process advancing in my life.

Your company has violated FCRA 15 U.S.C. 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Which mean that your company can not furnish any of the installment loan I have listed below, and they are hereby Identity Theft accounts that need to be removed immediately.

Your company has also violated FCRA 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes to access my consumer reports, you did not have written permission of the consumer.

According to the provisions of the FCRA sec 611 ( a ) [ 15 USC 1681i ( a ) ] disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of the items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation for I have also contacted creditors listed below which have failed t even find data on me or see the same incorrect information your agency is falsely providing.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct or anyone will be able to simply fax, call or mail falsified information on an individual, in this case, me and your company do no actual work to confirm truth in record. The following information therefore needs to be DELETED, you have had more than XXXX  days to reply to my initial request for investigation, The original letter will be attached to dispel any confusion. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature if you refuse to delete a
nd call yourselves validating or verifying the information listed below.
Product: Vehicle loan or lease

Hello, I paid off my VW lease on the XXXX of XX/XX/2023. 

I was told that I would have my title within 10days of the payment. It is now XX/XX/XXXX and still no title. I even Paid extra to have the title sent faster to my home. 

I have since sold my vehicle and the party that it was sold to will not release funds until they have the title. 

This process has caused hardships for me since I cleared out my savings to payoff the balance and sell the vehicle. 

I am also requesting that VW pays me back for the last 2 months of payments due to this issue. I have also called VW and they told me that they are backed up with title issues and they can no do anything about it. That seems unfair to me since they already have taken my money and I do not have the title.
Product: Debt collection

XXXX claims I owe {$21.00} on a cancelled XXXX auto insurance policy. My family and met with XXXX XXXX and bound AUTO Insurance before insurance lapse with XXXX. There has been XXXX ( XXXX ) attempts by XXXX ( XXXX ) people to resolve this with XXXX. XXXX now has put the above debt into collections. 

To date, XXXX XXXX, 2015, and to my knowledge, this issue has not been resolved and is costing me time, money and stress with their written threat to tarnish my credit by XXXX XXXX, 2015 should this fraudulent debt {$21.00} not be paid by XXXX XXXX, 2015. 

Please assist me in communicating that this debt is n't owed and to reimburse any and all monies due to me. Thank you!
Product: Credit reporting or other personal consumer reports

I would like for the bureaus to review letter attached.
Product: Debt collection

On XX/XX/XXXX I sent a letter to Navy Federal to which they received it on XX/XX/XXXX asking for validation of the account. 

Navy federal failed to respond appropriately to the dispute and even went as far as to take money out of the account, which I had no knowledge of, even though the dispute stated that all collection shall cease until this gets resolved. 

Due to them taking the money out of the account in the amount of {$10.00}, Navy Federal Re-aged the alleged debt on my credit report which dropped my score significantly by XXXX points. This is a violation of the Fair Debt Collection practices Act. 15 USC 1692e ( 2 ) ( a ), see -- -- XXXX XXXX XXXX XXXX ( 2005 ) On XX/XX/XXXX Navy Federal Sent me an Email, That's it an Email, They failed to send me the things I asked for according to the Debt Validation. 

so on the XX/XX/XXXX and they received it on XX/XX/XXXX. I sent them a Notice of fault and opportunity to cure to which I gave them notice that if they didn't respond is an administrative judgement. 

Navy Federal has failed to do a proper investigation and I feel very violated as an consumer and the original creditor, because I even stated in the letter that banks can't lend money and Because Navy federal won't give me within the time allotted, I will be seeking litigation for damages. 

This has caused me XXXX and Anxiety due to them not complying and Violating my rights under the Fair debt collection practices act and the Fair credit reporting act.
Product: Debt collection

I had been paying off my XXXX bill after I switched phone carriers. I was paying what I could and I would receive new updated billings. Then, without notification my balance due of {$140.00} was turned over to debt collector. 
As someone who was paying off as much as I could and making progress I feel that it was wrong to turn this over to a debt collector. 
XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently provided information to show I did not authorize inquires including a wrong address that is listed on my credit report. The agencies are not removing the information even with the proof showing the information does not belong to me. I have been denied credit, jobs and other services due to this lack of due diligence by the agencies. It has caused me many mental, financial, and other related health issues.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached herewith are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a Mortgage account and I discovered that XXXX XXXX is reporting a Collection account on my Equifax report of {$2600.00} for past HOA fees. I have never been notified or contacted from this company regarding any fees or to get a chance to validate the debt. I filed bankruptcy and my HOA fees were paid through bankruptcy and also settled with an Attorney for the HOA. I contacted XXXX and disputed the information along with disputing to Equifax. I was told that they are only the messengers and that I would need to contact the HOA. I contacted XXXX XXXX XXXX and they stated that would look into it. I was contacted back and advised that noone indeed contacted me and that the amount on the Equifax report was correct. I submitted Bankruptcy paperwork to both parties and thats when communication stopped. Neither party will return my phone calls nor emails. I have noticed a change in the reporting. It is now reporting as an open account with a {$0.00} balance. It shows 11 late payments. This is grossly incorrect. HOA fees is not an installment nor revolving account. I should not have a pay history with this company as I am not in contract with this company. I paid the attorney for this debt, therefore it should not have been attempting to collect from 2 different Collection group at the same time. XXXX states THEY ARE NOT a collection agency, although that is the status on my Credit report. This is causing denial of credit, defamation, and I am seeking to have the tradeline REMOVED from Equifax for incorrect data, and violations of the FCRA and FDCPA for the state of Texas. The Surety Bond ( XXXX ) to collect debts in Texas for this company has expired.10/29/2019. I spoke with XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX ( XXXX ). I have been professional and amicable during this travesty of credit reporting. I am prepared to exhaust all options to have this corrected including suit in Civil court naming XXXX XXXX and XXXX XXXX as Defendants and seeking damages afforded to me by violation of Consumer Law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage account with 21st Mortgage was PAID IN FULL on XX/XX/2022. XXXX and/or 21st Mortgage continue to report FRAUDULENT information. 21st Mortgage continues to report an open account with a $ XXXX balance and 90 days late. XXXX REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT XXXX and 21ST MORTGAGE do the same!!! XXXX is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from 21st Mortgage has previously been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.
Product: Mortgage

Nationstar Mortgage has changed it 's name to Mr. Cooper. Since the change of name no one from Mr. Cooper has reach out to me to talk to me about my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. Instead I received a foreclosure sale notice from XXXX XXXX, XXXX. that my house is scheduled for foreclosure on XX/XX/XXXX. Beside I was not told nor receive any correspondence from Mr. Cooper about the reason for the foreclosure. I believe there is shenanigan going between Mr. Cooper and XXXX XXXX XXXX, XXXX trying to force me out of my house
Product: Debt collection

It's a medical debt that I don't owe I have XXXX and XXXX insurance with no copay. Don't even know who they are.
Product: Payday loan, title loan, or personal loan

Sandtander ConsumerUSA, was sent XXXX  XXXX and proof of all payments were made on time and no late fees should have been added to my account. I also sent proof of payments history to Release my car. I have overpaid the loan XXXX {$10000.00} ; due late charges, interest added to my installment. I notice the error in 2017 ; and have disputed the balances.