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

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Mortgage

I received a check from Wells Fargo stating there was an error on my approved and finalized loan modification. 
The amount of the check is {$1000.00}. 
How do I know if this is the total amount of the errors, or if this amount is some type of settlement. 
It states I can participate in mediation if I do not agree with the amount. However, I have no idea how they arrived at the amount that was sent to me. 
Do I just assume the amount is correct and deposit the payment? 
I have never been contacted previously regarding any of this information.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I have had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

To Whom It May Concern, The following account listed on my credit report is inaccurately reported. Although I previously disputed this account and it was verified, I have not received the purchase agreement that includes the correct account number, balance, and account status.

Law 15 USC 1681 B-This law addresses the permissible use of a consumer 's credit report by third parties. There has been no authorization granted for any third party to access my credit report.

Law 18 USC 1028 A - According to the next law, aggravated identity theft has been committed. I did not give anyone permission to transfer my information from the credit company to a collection agency. 

These items does not meet the FCA reporting requirements delete these accounts immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX This complaint has been filed with the CFPB to formally request that you, as the credit reporting agency, block information from my consumer credit report that has resulted from identity theft and fraud, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information includes : XXXX opened on XX/XX/XXXX, balance : {$500.00} XXXX XXXX  opened on XX/XX/XXXX, balance : {$28000.00} XXXX XXXX  opened on XX/XX/XXXX, balance : {$75000.00} These accounts have led to fraudulent collections appearing on my FICO credit report. I do not recognize these accounts or collections, as they were neither opened, made, nor initiated by me. All of the accounts and collections listed above are a direct result of identity theft and fraud. 

Attached, you will find a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof from the U.S. Federal Trade Commission that these accounts are fraudulent. I request that you take appropriate action within four business days of receiving this complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to investigate this account. It's showing open account and that I opened this account in XX/XX/2018. I did no such thing. I would like some proof that I have opened an account with Diversified Consultnts such as signature/payments made toward this account/social security number that I applied for credit with this company. The original delinquency date of this account must remain the same as it was with the original lender. This isn't being shown on my credit report at all. 


Diversified Consultnts XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries on my XXXX credit report that were not applied for by me, and hard Inquiries on my XXXX credit report that are for companies that I don't have a credit account with. XXXX XXXX XXXX syncb 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : AFTER FINDING OUT MY PERSONAL DATA WAS COMPROMISED DUE TO A DATA BREACH FROM YOUR COMPANY BEHALF AND YOUR FAILURE TO PROPERLY INVESTIGATE IVE sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I will be proceeding with litigation if you all continue to falsely report these above accounts you all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted experian multiple times and I continue to try and dispute the accounts theyre incorrectly reporting and all they say is that I cant dispute them anymore Ive already disputed it or that it meets FCRA requirements which is not good enough. Ive let them know that just because something meets the requirements doesnt make the information correct. They will not send me a copy of my credit report to show in detail why it is my credit score wont rise it just continues to lower without any explanation what so ever. They will not contact me back or provide further information and theyre continuously damaging my credit score which in turn is hurting me as a consumer. Ive already contacted the companies that are reporting on my credit report who agreed to remove my late payments because the accounts were paid in full but experian says that they are reporting correctly and they arent. I also I have a potentially negative item on my report that has failed to provide in detail why I owe them and will not provide any other information but experian has said that they are reporting correctly. They refuse to look further into anything or report correctly.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have XXXX  days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within XXXX days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the XXXX XXXX  in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Student loan

Over the past 30 days I have attempted to contact EdFinancial via email ( 4 times ) and phone regarding a deferment on my account as my child is still a XXXX XXXX XXXX. The holding times to speak to a representative are greater than XXXX minutes and twice I've elected to receive a call back and did not receive XXXX. Despite the numerous technical difficulties I've incurred with uploading a document on their website ( takes so long that the computer stops communicating ), I eventually was able to attach and upload the required supportive document ( Parent Plus Borrower Deferment Request form ) via my account on their website using different computers and web browsers with confirmation of receipt ... and XXXX business days later have not received a follow up. The form was also faxed with proof of receipt. I have yet to receive ANY correspondence all in this matter from EdFinancial and no adjustments have been made to my account. I am beyond frustrated as there is no other way to contact a representative.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce 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 XXXX ) have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Debt collection

Debt collection letter received on XX/XX/2018 from Allied International Credit Corp., XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Letter says " XXXX '' is the original creditor for a debt amount of {$170.00}. Letter states I have 30 days from receipt of the debt collection letter to dispute or validate the debt. The debt collection letter has a reference number of : XXXX. A phone number supplied in the debt collection letter is : XXXX, same as the XXXX XXXX " XXXX XXXX '' method of payment. The contact name for payment is : XXXX XXXX. 

I have not had any interactions with XXXX  in last 6+ months. I checked my XXXX account today and I have no transactions or items being sold. My XXXX account is in good standing.
Product: Debt collection

My employees moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Never received any follow up even after requesting. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I need this removed from my credit completely.
Product: Debt collection

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I initiated a Money transfer with Western Union from  my bank XXXX in USA to my Bank in XXXX, under tracking number ( MTCN ) is : XXXX they got the funds from my bank on XX/XX/XXXX and have been waiting till now XX/XX/2020 for the funds to be delivered.Today Western Union operator claims the funds were received late by them from XXXX on a late date and canceled the transfer and claim they will return funds in 6 more days. My complaint is that Western Union takes funds from me on XX/XX/XXXX and will return them in XXXX some future date. I'm under no fault and still have been ripped of by U $ XXXX XXXX for all these days and they will not return the funds as of today. This seems to be a very bad system and we are completely indefensible against these giants.I hope you can help
Product: Vehicle loan or lease

I was approve for an Automobile loan of {$17000.00} in XX/XX/XXXX with Pentagon Federal Credit Union. I started payments from XXXX to XXXX and on XX/XX/XXXX I applied for Covid-19 loan deferments which lasted for 8 months. On XX/XX/XXXX I resumed payments for XXXX and then one in XXXX and that was when I noticed that the 5 payments I made from the year XXXX to XX/XX/XXXX was not reflecting on my current balance of {$17000.00}. I called pentagon on XX/XX/XXXX at approximately XXXX to get some more insight about the matter. I was on the phone with the representative for approximately 40 minutes as she tried to analyze the matter unsuccessfully. She place me on a hold a couple of times during the call and when she returned the final time I requested an itemization of my payments and then the call was suddenly severed. 
On XX/XX/XXXX I made a payment to see how it would reflect my balance just bringing it slightly down to {$17000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Along with this there is also no co formation receipt sent to you personally once you send a Zelle and a person receives it like they do a text. This can sometimes lead to people saying that nothing went through or you Zelles wrong person.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked for a credit report and I realized that I had an account that did not belong to me in the credit report. This account is from Nordstrom for the amount of {$730.00} dollars that someone fraudulently used and stole my identity, according to the credit report it was opened in XX/XX/XXXX. From that moment I tried several times to make a dispute through all the companies of I have credit to have my accounts deleted and the companies XXXX  and XXXX  solved my problem and deleted them. I tried three times by XXXX  making disputes through their website and they denied it. I made a certified written letter on XX/XX/XXXX, asking them to solve the problem and today, XX/XX/XXXX, they told me that the company said that it was not going to delete my account and that they could not do anything. Make a complaint on the website www.ftc.com and send the complaint for identity theft and fraud to the XXXX  website to have the problem resolved. I have been trying since XX/XX/XXXX to have that account deleted that someone used and stole my identity to open it and use the card in my name to make purchases and left a balance of {$730.00} dollars that I never used. I have tried a XXXX ways to solve the problem and both Nordstrom and XXXX, which is the only one that has refused to delete this account, since the other two companies XXXX  and XXXX  deleted it and XXXX  doesn't helped me and I asked that they provide information and evidence that account was mine and they just said they weren't going to delete it.