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

I have tried on numerous occasions to get the 3 credit bureaus to accurately report my accounts. I explained that one creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all 3 credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Equifax. I recently reviewed my credit report, and I noticed some inaccurate information. I made Equifax aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, Equifax sent me a letter ( FORM D ) only addressing one of two debts as valid. They did not address the other account I had disputed, and also did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). Equifax received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so should be deleted. In response, Equifax sent another letter addressing all of the debts ( FORM H ). I found that one of the accounts I disputed had been deleted, but other accounts were showing results of validation. Equifax still never sent me proof of such validation or any of the physical documents in my file that I had requested. 
Equifax is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they have not provided me with the physical proof of what they used to verified these accounts, they must all be deleted. 

Thank you for all of your help, XXXX
Product: Credit card or prepaid card

I have spent countless hours on the phone with this credit card company about the fraudulent activity that has been reflecting on my account for sometime now. Back on XX/XX/2017, I paid the balance of {$3200.00} off in full and another payment of {$11.00} on XX/XX/XXXX which would take care of the entire balance of this account. I knew I would be going overseas so I didn't need any issue with the account or my credit while I would be away for so long. Fast forward to the very same month someone has used my card or information to purchase various unauthorized items. This goes on again a few month later and this point I asked Capital One to place a hold on this card so no other fraudulent activity occurs. While trying to get this taken care of I was advised that the determining factor in which my fraud claim was denied was because a package was mailed to my residence but there was no signature of the package being received. I advised the manager that if someone stole my information its not that hard to have a package delivered to someones home in hopes of them not being there when the package is received. The email address that was attached to the purchase didn't even belong to me and there was no trace to the owner. I have even disputed this information with the credit bureaus and provided proof of my complaint with the FTC and this claim has still been denied.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Just attempted to deposit money into my checking account and it didn't go through. I then logged into the XXXX app and my accounts show {$0.00} ( which has been the balance for 2 days ) and the deposit is missing but wasn't rejected yet by the sender. 

Underneath my balance the app and website says " balance update unavailable ''. I tried to access XXXX and that's unavailable as well, i then called XXXX from my cell number attached to this complaint and no one ever came to the line. 

This is SCARY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.
Product: Debt collection

{$430.00} Please remove this it's against fcra I never authorized or signed anything to any of these companies.
Product: Student loan

My balance has increased since XX/XX/year> from {$45000.00} to {$45000.00}. No interest has or should have accrued since my loan is in administrative forbearance per the government. The reports on my account do not show any interest has accrued so there is no information on why the balance increased. Their phone system is also very difficult to navigate as my call kept looping back to the automated message from the beginning of the call.After waiting nearly 2 hours on the line, the call hung up on Mohela 's end. This is atrocious as it should not be this difficult to reach someone at Mohela. They are making student loan borrowers miss time off work and their life to be on the phone for hours of which we do not have to spare.
Product: Debt collection

Nationwide Debt Management Solutions , LLC  (   XXXX   ) Ke eps calling over and over harassing myself, family members, friends and my fianc family.     They call over and over, one call seconds apart. I have asked them to stop they keep calling and are now on to calling these other people.     They are not just asking for me, they are asking for my fianc as well, she has nothing to do with this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX XXXX XXXX is not XXXX XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding for the following unauthorized fraudulent accounts be removed. These accounts are NOT mines and have caused me alot of pain, fighting to restore your identity is a cancer in itself. I've requested proof of these accounts via physical documentation never once did i receive any type of documentation. If these accounts can not be physical verified and delivered to me via certified mail then they shall be removed and blocked from my credit file. Please remove the following accounts. 

1. XXXX XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX {$3200.00} 6. XXXX XXXX Cu 7. XXXX XXXX 8. XXXX XXXX Cu {$4200.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

PayPal is failing to release release funds from an account that Ive used for years.
Product: Checking or savings account

I have been a Mercury XXXX user for the past three years. Recently, my account was accessed by an unauthorized user, likely a hacker. When I reported this issue to the Mercury team, they blocked my account and mistakenly sent a {$14000.00} check to the hacker 's address. Despite providing all the necessary proof, including video evidence of my passport, personal ID, registered business address, primary XXXX account associated with my bank account, and LLC documents, I have received no response from the team for a week. I am worried that the unauthorized user might withdraw the {$14000.00}. Fortunately, they have not done so yet. However, due to their lack of response, I am at risk of losing my {$14000.00}. It's acceptable if they want to close my account, but they should at least send the funds to my correct address after verifying my documents.
Product: Debt collection

IC Systems Inc is reporting a fraudulent collection on my credit reports that is a result of identity theft. I have notified the company several times but yet they are still reporting the false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquires reporting on my file : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I refinanced my car with Capital One Auto Finance ( COAF ) for one reason, it was to remove my ex-boyfriend from the title, relying on the " or '' clause and affirmations from both the XXXX and COAF. Despite this, he remained listed on the subsequent registration renewal. Efforts to rectify this led to a series of incorrect paperwork from COAF and threats from my ex to sell the car. Despite assurances from COAF that he couldn't sell the car as he wasn't on the loan, he managed to do so after stealing the vehicle. COAF 's response was contradictory ; they acknowledged the payoff from him and processed the sale, directly contravening their assurances and my instructions.This debacle has led to the loss of my car, financial damages approximating {$20000.00}, and significant emotional stress. My complaints to COAF were initially dismissed without explanation, though they later admitted fault which I have on a recorder voice call as proof, they still failed to follow through on promises of resolution. It was upon the first complaint to consumer protection bureau that actually turned their willingness to take care of me financially for their misrepresentations causing my financial loss to inaccurate and dismissive responses.This situation has not only resulted in substantial financial loss but also contributed to personal upheaval, including the end of my relationship and severe health issues as a result of stress related to such a financial loss. It appears that Capital One 's processes and their offshore customer service have grossly failed to prevent such an occurrence, unlike other institutions I've consulted. 

I replied to the latest reapince from them on XXXX occasions without any response back. So I again request follow up through placing a complaint here. Id like to add that my car was sold and the XXXX was mailed to new owner on a date prior To their letter where I was given XXXX date to fill out a dmv form. So their excuses are inaccurate as they accepted payoff and send title not Paying attention to the title departments efforts to perfect the title With my correct name spelling which should have been done form day one that the loan was active. Moreover they didnt need any paperwork timowrfect the title without the other co owner becouse we had an or between our Names which gave the other owner automatic permission to released the other upon refinance or sell Yet even thought they swore on a recorded line that it was The dmv who had that policy they were wrong, Very wrong It cost me $ XXXX plus snd now they ignore me
Product: Credit card or prepaid card

On XXXX member received a phone from her employer stating they received an unemployment claim in her name and ssn. XX/XX/2021 member received a letter that benefits were received and member received XXXXXXXX XXXX card and capital one card.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX, XXXX and XXXX of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and XXXX refuse to perform a INVESTIGATION! I am concerned that XXXX, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.
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 violate the customer financial protection act ( CFTA ). 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
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

Just get notifications on XXXX XXXX app that i have collection reported on XX/XX/XXXX. But it shows that account was opened in XX/XX/year>. I don't recognize this collector plus it does not show any information about where was the balance came from loke from wich company or service. I tried to dispute the issue but have not heard anything. Honestly gotten concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing 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 XXXXXXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.
Product: Mortgage

On XX/XX/19 a payment through ACH was scheduled today is now XX/XX/19 to my knowledge the mortgage refused said payment my bank provided me with a transmittle form showing the mortgage refused payment stating this fact putting me further behind amd mortgage now states they will not accept anymore payments on my behalf and want to move forward with foreclosure The bank im referencing is Loan Depot
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 on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX, and XXXX XXXX Date Opened : XX/XX/2021 Balance : {$130.00}. 


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: Debt collection

I SENT A DEBT VALIDATION LETTER TO RESIDENT COLLECT IN XX/XX/XXXX THEY NEVER SENT BACK PROOF OF DEBT, THIS IS VIOLATION OF FCRA, FDCPA, I WANT THIS DELETED FROM MY CREDIT REPORTS NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove inaccurate items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any items or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., Please see the list of erroneous items that are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my car parked and was totaled by a hit and run whiles parked. On XX/XX/2017. On XX/XX/2017 a payment was made to Toyota Financial services in the amount of {$10000.00} there was a balance of {$3900.00}. I had gap insurance to pay the balance. Which they did but they didnt pay it till mid XX/XX/XXXX. I had purchased a new vehicle in XX/XX/XXXX. I feel it is unfair that my credit Has to suffer with late notices because the gap insurance took so long to pay the balance. They knew I had gap insurance and that they would pay the balance. Plus they already received over a {$10000.00} payment I dont see why a hold was not placed on the account giving time for the gap insurance to pay the balance. I think it is unfair because why should I continue to pay for a car I no longer am driving and that my gap insurance will be paying the balance that makes no sense to me.
Product: Student loan

I work for the XXXX XXXX XXXX XXXX and have my student loans in the PSLF and certify my employment yearly toward loan forgiveness. They received my certification in XX/XX/XXXX twice and still have not applied it and updated my payment count toward my loan forgiveness for the year ending XX/XX/XXXX. I have attached the certification and data showing they show it processed but have not updated my payment count, which should be 60 payments not 48 that I have made!! On top of this I have also been paying on the loans for 26 years on a income based repayment plan, since XXXX, so they should have all already been forgiven anyway as the law states they end after 25 years! As well I also worked for the federal and count government for a total of three years and these payments were never applied to the count either!!!