23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates keeps insisting that they have properly verified debt. After 5 months I still have not received anything verifying my signature or social security number for this debt. 

Billing statements are not accurate validation of debt and this is all I have received. 

Additionally, the original creditor attempted to obtain a judgement and the case was dropped. 

This needs off my credit report until a validating signature and full social security number are provided to prove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS MY AUTHORIZATION TO PROCEED, THEN EXPERIAN HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EXPERIAN on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EXPERIAN send me those REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were " verified ''. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EXPERIAN have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EXPERIAN, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Product: Student loan

I have not yet contacted the company about this issue because a brief XXXX search shows that I am not alone. 

I have been logging into my Nelnet account on multiple devices and following a forced upgrade that depreciated their app, every time I log in, I get an error screen stating that payments can not be loaded. 

I am unable to complete the process of making any payments, including paying in full or partially. The entire screen showing my payment information seemingly does not react to any clicks or taps. I am perfectly happy to pay my bill ( I mean, not *happy* about it, but capable of doing so ) but I will not be happy if I end up past due because of their website not functioning for several days.
Product: Payday loan, title loan, or personal loan

Chase Card Services, closed my account for a subjective reason. I've had the account for about 2 weeks when this happened. I followed the rules and I was led to believe that I would get points for making an account with them. So, I was using the card for about 2 weeks and my credit was pulled before I was approved. I received a letter stating that they are closing my account for a misleading reason. I do not believe that Chase can discriminate against its own customers. I've written to their executive office and had calls. The executive sovereign department is so unreachable to its " discriminated '' customers. I would like to request for my account to be open and credit restored. Thank you.
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 ny account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have contacted CommonWealth Financial System ( collection agency ) 3 times explaining to the company they have mistaken identity. The three disputes were made on XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have never obtained any services from the company they are attempting to collect for ( XXXX XXXX XXXX XXXX ). I have also tried to contact the original company XXXX XXXX XXXX XXXX and the company does not exist. 
When contacting the Common Wealth via phone they refuse to discuss the matter unless I provide personal information via SSN and Birthday. 
My primary request to Common Wealth is to provide information of identity or any type of signed contract as they have the incorrect person. 

As previously stated I have never received services, agreed as a guarantor or received statements from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR REPORTING ACT.THE LIST OF ACCOUNT BELOW HAS VIOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER 15 USC 1681 ACCOUNT NAME IC SYSTEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account information is incorrect : Name : ( XXXX XXXX ) The following accounts are incorrect : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX The following soft inquiries are unauthorized : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XX/XX/XXXX EQUIFAX XXXX Inquiry XX/XX/XXXX EQUIFAX XXXX Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I submitted a XXXX  written request notifying XXXX  that these accounts need to be removed since they have not been verified by experian. I Have not received any written documentation from XXXX  verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. XXXX has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.
Product: Money transfer, virtual currency, or money service

I used Zelle through XXXX XXXX  to send money, the import of my contacts lead to XXXX different XXXX being imported a total of XXXX $ was sent to the wrong XXXX and he refused to send it back. Zelle and XXXX XXXX  told me I was out of luck.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute an account listed on my credit report that I believe to be fraudulent. This account, identified as [ Account Number ], does not belong to me, and I have no knowledge or involvement with it in any way. It is negatively impacting my credit score, which is severely affecting my ability to obtain the necessary financial resources to improve my quality of life.

As you may be aware, the presence of inaccurate or fraudulent information on my credit report is not only damaging to my credit score but is also preventing me from securing loans, credit, and even certain housing opportunities. This is creating significant hardship and frustration in my personal and professional life.
Product: Debt collection

Received call on XX/XX/XXXX re a direct deposit account they said I opened in XX/XX/XXXX. I did not receive direct deposit at that time. I was told my account had gone into default and they were taking me to court to collect over {$1200.00}, the original amount being around {$500.00}, and I would also be responsible for attorney fees and court costs. I was told that because it was a direct deposit account items had been paid against that account. However, I had no automatic bills to be paid at that time as I had lost my direct deposit job in XX/XX/XXXX due to the economic downturn. I have never received any notice of this debt in the past. I am astounded that I am getting a call threatening to take me to court unless I pay the money owed immediately without having received any prior notice. They said they are willing to work with XXXX XXXX to reduce the amount, but it must be paid in full immediately. I was also told that I would receive a 10 year judgement. My daughter was with me during the call and looked up the phone number they called from as well as the name of the company. She yelled into the phone that this was a scam and she was reporting them to the CFPB. The person on the other end immediately disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I am writing to log a formal complaint against XXXXXX/XX/XXXX regarding online access to my Checking and Savings accounts. During the week of XX/XX/XXXX XXXX I do not remember the exact date ), I made several mobile check deposits to my savings account from legitimate institutions where I had closed my accounts recently. Upon making those mobile check deposits, I have been locked out of my Checking and Savings account access online. I have called HSBC numerous times to get this matter resolved and no longer wish to waste any more time dealing with them on a matter that has still not been resolved after a week of complaints. Because I have no visibility to what has and has not cleared on my accounts, I am not certain, but I am trying to retrieve approximately {$1400.00} that I have in both accounts. All I want is assistance in retrieving all of the funds owed to me and closing my accounts with this bank for extremely poor customer service and illegitimate holds on my account access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to get my credit report i have attached a copy of 2 bills a credit card statement and a Bank Statement. and copy of my ID
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent three letters requesting the removing of XXXX XXXX XXXX  inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX  they would know this account was reported as fraud. 

Also inquires XXXX XXXX and XXXX XXXX XXXX  was placed by a collection agency. When I contacted the collection agency on my account they stated no knowledge of this. 

Please remove them as I have no knowledge.
Product: Mortgage

XXXX XXXX had put us on a COVID forbearance. Shortly after they sold our mortgage to Select Portfolio Services. They claimed that they sent paperwork to a wrong address and by the time they called us, they said we were being foreclosed on. They claimed that they didnt have to honor XXXX XXXX forbearance and if we would like a loan modification the payments would be {$2000.00} a month and needed a response by the XXXX of XXXX. We sent an appeal about the payment and was told we would be notified within a week. We were not. Upon calling they still hadnt reviewed our appeal and said that they didnt want to resubmit it because it would just prolong it longer. Please let us know if we have any hope of keeping our home and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/XXXX I sent XXXX XXXX in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/XXXX they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with Experian, XXXX and XXXX but the credit dispute has not removed the information from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an unauthorized account for the amount of XXXX dollars on my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings against them for similar violations.

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

I applied for this loan in XXXX of 2020 because as a single parent I was struggling during Covid. As the pandemic continued, I was barely making enough to pay my house payment, car loan, insurance and utilities. I have done everything in my power to pay my bills off since Covid and making arrangements with my creditors. I even went as far as selling my home and moving in with my elderly mother to do this and where my child could attend College. As of today, NetCredit offered me a settlement of {$55.00} for XXXX payments to a total of {$5700.00}. I can not do that. I know I borrowed the money but between trying to pay everything off and inflation I just want to get a reasonable settlement within my budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep mysel f protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.
Product: Credit reporting or other personal consumer reports

These companies refuse to be in compliance with the Dod Frank Act regarding opt out of reporting personal non public information
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I notified my debit card name of Payactiv account services of an unauthorized transaction while they were still pending the same day that I noticed it had charged to my account. They proceeded to open a dispute and issue a new card. Sometimes passes in and they request evidence and I sent them my full XXXX XXXX transaction history as it was an XXXX XXXX transaction therefore transactions that I would have made would appear on it. However they decline and said that I would need to provide new forms of documentation, and I continue to do so as I provided more insight on all my transactions. They have not been very transparent nor understanding and helping me with an unauthorized transaction. I have been very persistent in trying to work things out with this debit card company the Payactiv once again. However, I feel like I am being out of my funds as they do not provide any insight or evidence on their behalf.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report from XXXX and noticed an account that needs to be immediately updated to PAID AS AGREED. 

XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 100 % ACCURACY IS REQUIREDBY LAW.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly UPDATE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my XXXX report. 

This erroneous account is inaccurate and needs to be updated immediately to reflect accurate information. 

Please see attached document.
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 has violated my rights 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.