23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The account is in litigation. Under current codes i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have sent Caine and Weiner the following.Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Product: Checking or savings account

Cash App refuses to let me access my stimulus payments! 

I successfully received my first {$1200.00} stimulus payment at the local homeless shelter in XXXX XXXX CA. I acquired a Cash App card to put my money onto so I wouldn't have to carry a ton of cash. When it came time to file for the second stimulus, I decided to have the money placed onto my Cash App card instead of receiving it in the mail. I even took a screenshot of the confirmation I received from the IRS stating the deposit would be made by XX/XX/XXXX. ( I still somehow actually have said screenshot. Couldn't tell you how. ) All seemed to be going as it should until XXXX turned into XXXX then XXXX and so forth. I've been struggling with Cash App this whole time. I've been forced to open new cash-tags/accounts to access support. Crazy thing is, that I can remember just about every single one of them : the cash-tags, phone numbers, e-mails associated with any Cash App card I've owned. 
I've certainly done my part to keep Cash App informed of updates to my phone/email/address. Regardless however many Cash App accounts I've opened, my filing information such as social security number, birthdate, driver 's license ect. remaines the same. I must admit however I'm still a bit unclear about the whole self-employed filing thing. I did open my own XXXX in XXXX because of this. At the same time, I relocated to XXXX CO with what little money I had due to the economy. I worked for XXXX during XXXX and then XXXX Eats during XXXX. I have reason to believe my tax returns for those XXXX years are also stuck in said Cash App account. 
Cash App points the finger at XXXX. XXXX directs me to Block and they turn me back to Cash App who again points at XXXX. I furthered my issue with the IRS as well as the FDIC. The FDIC forced XXXX to respond, at which point the lady implied I was essentially nuts. She then pointed me back to Cash App. I believe I still have that letter from XXXX? The IRS is putting a trace on any other payments owed to me and I'm eagerly awaiting their reply. 
Since Cash App has proved absolutely no help whatsoever, I've tried everything else imaginable. This includes liking the account to other cards, linking the account to different accounts, ordering random cash cards hoping my money was somewhere out there on a different app? I tried becoming a XXXX XXXX  member. I tried opening an XXXX in Delaware through XXXX. Again, since I lost my phone and phone number and email along with the phone? I doubt I was even able to file my taxes successfully the past XXXX years. 
Upon reacquainting myself with Cash Apps fine print, I found information as to where I can complain, so here I am... Any guidance is much appreciated. Thanks for listening. 

Sincerely, XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I financed a purchase through Affirm.com for XXXX for {$4700.00}. The item that was to have been delivered was initially lost and not delivered, when it was found the freight company refused to deliver and returned the product back to the shipper in California. I attempted many times to resolve the issue directly with XXXX and Affirm.com to no avail. On XX/XX/2022 I initiated a dispute with Affirm. I uploaded supporting documentation that showed the spa was not delivered, and then was returned to California, but prior to being returned to California it was rerouted by XXXX to a consumer in Texas where they resold the spa. After months of uploading documentation and not hearing back from Affirm.com they responded XX/XX/2022 that the dispute I opened was resolved in the companies favor with the company reporting the item was delivered. There is no proof of delivery because the item was never delivered to my house, again I uploaded supporting documentation that showed the spa delivered in Texas, where I do not live. I continued to file complaints and disputed thorugh the Department of Consumer Affairs in both California and Tennessee, and thXXXX XXXX involving both Affirm and OutletSpas. XXXX recently acknowledged in an email that they authorized the loan to be canceled by Affirm.com when the spa was initially lost. However, Affirm is telling me I am responsible to make the payments for the entire loan balance on top of the payments I have already made. I have never received merchandise. This has been going on since XXXX and both companies are refusing to cancel the loan and refund my money. XXXX made money from my initial purchase, and then when they resold the spa. This is being reported on my credit report, when the loan terms were not carried out, there was never receipt of merchandise which I have proven to Affirm.
Product: Debt collection

I told this collector that I was XXXX and did not have income beyond LTD. They keep calling, including 20+ straight times in a row on multiple occasions. I've had to block there number just to keep my sanity.
Product: Debt collection

Please see the attached documents as it includes my complaint, my identification, and multiple letters from Navy Federal Credit Union attempting to collect an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX XXXX, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account in a negative status. I have mailed them the letter from XXXX stating that the account was paid in full and closed. It was XX/XX/year> WhenI started communicating with Transunion to remove this and they will not! I will attatch the letter below. This needs to be removed ASAP!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 



I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete this account from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the XXXX XXXX XXXXXXXX, and the XXXX 

Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over XXXX points due to fraud.
Product: Credit reporting or other personal consumer reports

To, whom this may concern, I am writing to formally request the information you used to verify the account listed below in XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information to ensure the accuracy of my credit report. Specifically, I would like to know the sources of information and the methods you used to verify this account.

Please provide me with a detailed account of the verification process, including any documentation or correspondence associated with this account. I kindly ask that you respond to this request within 15 days of the date of this letter.

If you require any additional information from me to process this request, please do not hesitate to contact me at the phone number or email address listed above.

Thank you for your attention to this matter. I look forward to your XXXX XXXX
Product: Debt collection

I did not recieved a validation letter within 5 days of my debt being sold which is required by Florida law.
Product: Credit card or prepaid card

The card I was issued, I just activated because of an emergency issue. The amount due was {$31.00}. The company took {$97.00}. ( confirmation # XXXX ). Now they're saying that I owe them over {$300.00}. THAT was the card 's credit limit. I only used the card one time. I activated the card a month ago. When I spoke with someone in customer service, the individual ( their name went blank ), repeated that I did owe this amount even after they admitted to taking the {$97.00} and abruptly hung up the phone. I want to sever this account immediately.
Product: Debt collection

I keeping asking them what this regarding. They start yelling being very disrespectful. I ask them to stop calling me and to remove my number. There respond is they can't until I provide them my personal information. I refused to provided them with any of my personal information to due I am a victim of having my identity stolen. They kept being very disrespectful and I ended the call. 
XX/XX/XXXX - Twice XX/XX/XXXX - Twice
Product: Credit reporting or other personal consumer reports

The recent revelation that Experian may have falsely claimed to verify accounts while harboring inaccurate social security numbers raises serious concerns about the integrity of their verification processes. It is inherently contradictory and fundamentally flawed to assert accuracy in verifying accounts when the foundational information, such as the correct social security number, is incorrect. This situation not only jeopardizes the trust consumers place in credit reporting agencies but also underscores the potential for systemic errors that can have profound consequences for individuals seeking reliable financial information. The need for transparency, accountability, and stringent oversight in credit reporting practices is paramount to ensure the accuracy and fairness of the financial system for all consumers. 
How can you verify an account with the address the name which is also incorrect and the social security number which is incorrect. How can you get a verified account with the wrong information?????
Product: Credit reporting or other personal consumer reports

XXXX has confirmed a {$0.00} balance on all loans as of XX/XX/year>, which is also supported by forgiveness eligibility documentation. However, Transunion continues to inaccurately report a balance of {$330000.00}, causing unnecessary harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. XXXX WAS PREVIOUSLY REMOVED FROM MY CREDIT REPORT AND HAS SINCE CAME BACK AND IS GREATLY INTERFERING WIRH MY CREDIT WORTHINESS I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IS DUE TO IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I reached out to the student loan company requesting verification of the late nonpayment but I have yet to receive a response. I am now contacting you for assistance in having it removed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate.

Under 15 U.S. Code 1681e ( 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.

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 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX  : Account NumberXXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

FACTUAL DATA 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to cash out {$1100.00} to my XXXX checking account /debit card linked via Cash App ( formerly Square XXXX XXXX Block , Inc . 

The money did not deposit to my account, and the transaction showed the money was instantly deposited to XXXX XXXXXXXX XXXX. I do not have XXXX  XXXX XXXX & immediately knew my account was compromised as the money did not go to my account, but instead showed it went to XXXX. 

I attempted to report this thru their online app support & I was locked out of my account, & could not get back in. It frightened me as I knew someone else was accessing my account they the app. 

While I couldt access the app, I also received a text from cash app stating my card had been unlinked. Further supporting my account was compromised. 

I then called my bank to report that my account & debit card information was compromised & to cancel my card to protect my account. 

I tried contacted cash app again via phone & the the only explanation was that it was a Glitch in the app & that my money was now rerouted to the proper account and had no further information to provide me. A Glitch that could send my deposit to account that did not belong to me, a glitch that locked me out of the app, and a glitch that unlinked my debit card. 

They never suggested to cancel the card, change a password, close the account or anything to protect me as the consumer. I in fact had to request to close my account. They took no steps/ precautions to protect my information. 

Financial institutions are required to take steps to protect the privacy of consumers ' finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act and Block, Inc. took no steps to protect me or any of my personal information.

What happened to me today, was in direct violation of the Gramm Act & the information-sharing practices to safeguard sensitive data.
Product: Debt collection

I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from Unifin. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to Unifin by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
Product: Vehicle loan or lease

On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX  I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer rights.