23daVinci/CFPB_Complaints huggingface dataset:
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a released XXXX XXXX that is reporting on my Transunion and XXXX credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recently XX/XX/XXXX and the receptionist at XXXX stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as XXXX XXXX Number or XXXX in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from XXXX investigation. Transunion or XXXX has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. Please check payment history, date open, last activity and Status of the accounts XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXXXXXX Balance Owed : {$0.00} as I believe these accounts are reporting in error.
Product: Debt collection

I asked them to validate debt. They shared my information without my signature and broke Hippa Regulations. Notices were sent certified mail and they responded by sending personal information without my signature authorizing them to share my information/personal data. 
Wakefield and Associates XXXX XXXX XXXX XXXX XXXX TN XXXX ph # XXXX. 
I am requesting all the files be removed some are duplicated with new dates same amount ( which is inaccurate information on top of Hippa Violations. A report is being filed w Hippa. 
Acct # XXXX Signature was not provided or authorized by debtor or to collection agency ( I did not sign anything giving them authorization to share my information with credit reporting agencies or any information with third party or any business. I did not authorize creditor or sign a release from Hippa authorizing Wakefield and Associates or Hospital or Emergency Dept to access my medical records ( this is a direct violation and these MUST be removed from my credit reports.. Proof of this debt was not validated nothing on file with my signature given to this creditor or debtor authorizing them to share my information. 
I sent them notice and they failed to validate debt however sent personal information obtaining procedures and personal information without my consent or authorization. These must be removed as it is a direct violation.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Checking or savings account

My original CFPB Complaint XXXX of underpaid interest on my High Performance Savings Account was answered by the Bank in a letter with erroneous information claiming I had received the high performance rate when in fact until they rectified the rate for payment on the month of XXXX XXXX with a 3.70 % I had been receiving 0.43 % about what you would receive for a normal checking account. I have sent another letter to the President and CEO with proof they were paying me 0.43 % or less over the years.
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 Regulations E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XX/XX/2016 I went to XXXXXXXX XXXX for lXXXX XXXX XXXX under my XXXX. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the XXXX hairs on my XXXX I was told laser or remove XXXX hairs, and for the XXXX hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my XXXX are XXXX, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to Portfolio Recovery. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
Product: Checking or savings account

We made a deposit of {$40000.00} on XX/XX/XXXX And was advised by the that this will only be available 0n XX/XX/XXXX Then on XX/XX/XXXX we saw its not available we contact the bank thy say they 2 more days Now its over 17 days and there is nobody to to talk We where counting on the and it caused us a lot of damage
Product: Debt collection

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 

DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE.

PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure.

( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt.

( 5 ) Proof of claim in corresponding Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 6 ) The actual  records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 

( 8 ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX  ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 


( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to surrender state taxes this year so some of the debt should be accounted for. Also the bill was extremely outrageous. I think im going to contact legal experts for companies over charging XXXX. Especially here in the South Carolina. I need some kind of resolution and a.s.a.p
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Equifax and XXXX XXXX have blocked my credit and consumer reports. I have not had access to my files years because they decided to let identity thieves use and have access to my credit instead of me. In Equifax 's case, when I log into their MyEquifax product, another social security number is being displayed along with a blank credit file. The same product I have used for years allnof a sudden displays someone else 's information. 

XXXX has denied me my consumer file and has also let identity thieves have their way with my consimumer file. 

Both agencies have denied my requests to remove fraudulent addresses, inquiries and accounts or other outdated or fraudulent information not belonging to me nor initiated by me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter.

If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights.

Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need your support to address the inaccurate account showing on my credit report. This situation has affected my reputation as a customer, and I am requesting your help to remove these false and harmful accounts.
Product: Credit card or prepaid card

XXXX - took out home equity loan to pay off credit cards. We did this because my wife lost her job in pandemic and we wanted to pay lower interest for the foreseeable future. 

XXXX - XX/XX/XXXX - checks sent out by credit union to credit card companies, including Capital One. The amount for Capital One was {$5200.00} which was the statement balance as of XX/XX/XXXX. The official credit card statement and check was sent from my credit union directly to Capital One. This statement is the same one we would send our payment in with monthly. 

XX/XX/XXXX - My credit Union called me to say that the check was returned to my credit union because Capital One said they needed the entire 16 digit number of the credit card. I am not sure why all of a sudden this was needed since it was never needed any other time, they had their own billing statement with all information, and no other credit card company requested this. 

XX/XX/XXXX - new check was sent to Capital One from my credit union with 16 digit number XXXX - we made 3 minimal charges on card due to my debit card having fraud. total charges were {$140.00} XXXX - we made {$48.00} payment XX/XX/XXXX - we made another payment for {$100.00}. these 2 payments for {$150.00} covered the {$140.00} worth of transactions XX/XX/XXXX - contacted Capital One and I was told they never received new check. I called my credit union who had verification when the check was sent and they had no idea why the card company did not get it. They reissued another check immediately while stopping the second check. 

XX/XX/XXXX - we were charged {$100.00} interest XX/XX/XXXX - " missing '' check from XX/XX/XXXX was credited to our account XX/XX/XXXX - third check was credited to our account XX/XX/XXXX - " missing check '' was returned to credit union XX/XX/XXXX - we made final payment of {$140.00} to bring account to XXXX We paid about {$150.00} in interest fees when we made every attempt to pay off the account before interest was charged. Several calls to the Capital One proved worthless. Even though it is nowhere in writing or anywhere in their explanations, they all of a sudden said that they wanted the full 16 digit account number to allow payoff. Every other payment can be accepted with the last 4 digits and the statement. They had payment in plenty of time to avoid interest charges but refused it. It might not be much money but without my wife 's income, this money is a big loss. I spoke and explained every thing to them but they refused to budge on any of this. This credit card was 0 % interest until the month we paid it off. This was the first interest we had to pay.
Product: Money transfers

i had call from impersonating irs and XXXX state police ( i found out the later ). XX/XX/XXXX when i return that call they told me i own {$3500.00} back taxesXX/XX/XXXX, it did not make sense. they told me send me latter XXXX, i never got it and told them. but i know mail does not come to me in the past. but if i hang up, warrant will be issue in XXXX. will have criminal records, even i am innocent it will cost me {$80000.00} later to fight, and need criminal lawyer. so they told me you have to send money asap by moneygram. so i sent {$1700.00} + {$35.00} ( fees ). Once they want me to send another half right away, i went to police and hand my phone to police officer then i learn it was scam. by the time i reach out to moneygram it was too late money has been taken away. if they really want to i know they can track it down, but the do not seem to care much. i am sure there is camera and can track it down who took the money but do not see any effort at all. ALSO moneygram does not do anything at all incidents like this or say you should never send money to government this way or mentioning scam like this which seems to be common, accepting money in limited info, example of extortions. so they do fail to explain the rules i think they are responsible as well for my {$1700.00} + {$35.00} ( fees ). they are part of scam. However credit card, XXXX are more strict. but this Moneygram ... all the numbers on receipts are not helpful. it is scary business like this exists! i do not want anyone to go through this. Please please help, thank you very much for your help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry, and I believe it may be fraudulent.
Product: Checking or savings account

On XX/XX/year> I was the victim of a fraudulent ATM withdrawal of XXXX. I never take this amount of cash out, have never been to the location where it happened, and was no where near that town that day. USAA then notified me and sent out a new card after shutting off my then current debit card. They issued a credit and then took that credit back, stealing my funds yet again but this time I was a victim of USAA. They sent a letter saying I could request the findings but they have yet to do so. I am now in process of trying to recover this money but they have not been of any help. I spent an additional one hour on the phone with them yesterday with no resolution in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCY   XXXX  ,  XXXX   XXXX  AND EQUIFAX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
Product: Student loan

I am involved in a court case involving child custody, and based upon the court hearing, there is some indication that Sallie Mae may have released my confidential loan information to parties that are not listed on the loan. I have read their confidentiality policy, and what information they release and which parties they are authorized to release it to and I know for a fact that I did not authorize a release of the information to any of the parties that were in the hearing and I know that none of them are the listed parties that Sallie Mae can release my loan information to. 

Additionally, there is some indication that the parties involved in the law suit ( which are not involved in the loan ) made a fraud allegation in regards to my loan that are unsupported so now the loan is in default.