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

My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the EXPERIAN is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has EXPERIAN reporting a date of last activity of XX/XX/XXXX while XXXX is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.
Product: Debt collection

This company posted a {$74.00} debt collection to my account. I tried calling to remove from account but personnel were very rude and would not provide clear explanation on nature of debt claim. Prior to this transaction posting to my account, I have never been contacted to solve issue prior to it taking a detrimental impact to my credit report. Shameful to delegate such authority to firm like these.
Product: Money transfer, virtual currency, or money service

My account is frozen for no apparent reason. Yet I called cash app they say there was fraudulent activity on my account. They froze my account without my knowledge or alert to check if indeed it was me. They hang up on me and have not explained anything. I deposited a few checks that were in my name don't know if they didn't accept the type of check I deposited but I don't see how that is fraudulent if it's mine. Their actions are fraudulent I feel like the are disregarding my worries
Product: Debt collection

Required disclosure by the collector ( credit corp solutions ) did not include information informing me ( the consumer ) that additional information regarding consumer protections in debt collection is available on the bureau 's website at www. CFPB.gov/debt-collection. Did not disclose the specific link according to 86 FED. reg. 5766 at 5812 ( XX/XX/2021 ) on validation notice. ( 1006.34 ( c ) ( 3 ) ( iv ) The validation of debt was not provided as requested by law ( 15 USC 1692g ). The debt collectors mailing address is in question. The debt collector can only include one mailing address in the validation information. Two different addresses are listed on two of the verification notice for the same reference number XXXX. 

The debt collector failed to confirm my identity according to Reg f official interpretations. The collector must produce my name, first, middle and last name as provided by the original creditor. The debt collector omitted my full name and has not satisfied the requirement to provide the consumer 's name pursuant to ( Reg f ) 1006.34 ( c ) ( 2 ) ( iii ).

The original account number/truncated version of the originating creditor ( not the debt collector ) is not correctly specified on the any of the validation notices provided by the debt collector 15 USC 1692g .
Product: Vehicle loan or lease

Loan was extended two years and four months pass the anniversary date of the loan. I needed a forbearance because of two hardships during the activity of the loan. I was given a forbearance twice because of personal problems due to inadequate job performance. American Credit Acceptance extended me the courtesy by putting the arrearages on the back of the loan. I was only thirty days late twice. American Credit Acceptance extended twenty eight months past the Anniversary date of the loan. A total of {$10000.00} was charged to my account.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, my card was posted with the following fraudulent charges : XX/XX/XXXX XXXX Other Services ... XXXX {$370.00} XX/XX/XXXX XXXX Other ... XXXX {$83.00} XX/XX/XXXX XXXX Other Services ... XXXX {$25.00} CapitalOne handled this very well in detecting the above as fraud. Sent me a new card, so on and so forth. 

Today I found the following fraudulent charge - keep in mind this is on a new credit card number that I haven't actually used yet - there is no possible way for someone to have stolen this number, so CapitalOne had to be the one to give them the card number for the fraudulent charge : XX/XX/XXXX XXXX Other Services ... XXXX {$22.00} I reported it as fraud. No response from CapitalOne. I called their call center. I'm then greeted with a frustrating IVR system and a customer service rep who deliberately manufactured static on the line while ignoring me for two minutes.
Product: Money transfer, virtual currency, or money service

I am suing cash at blocking dude and had a quick customer service and unfair practices which violate the consumer financial protection act specifically cash have failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and protected for the more of their dispute resolution process was unfair deceptive as they did not comply with error resolution requirements under the electric fund transfer act and regulations e these actions have caused significance inconvenience in financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX has put over 100 inquiries on my report when I froze my credit report, and Equifax has done the same thing please remove those inquiries I have lawyer as of XX/XX/year> cause my credit was XXXX
Product: Checking or savings account

I opened an account for my business own by me, me, online with M & T bank, as the bank was having a promotion. At one point I believed my checks were loss so I called to put a hold on the account. As instructed by the representative, I will need to personal go into the bank with ID to obtain funds. Which I did, however I was rudely greeted by XXXX XXXX whom introduced herself as the manage later to find out she isn't. I was asked to basically open a new account with all documents that was already provide and which I didn't have on my person.in addition I will need to go to the court to get reissued because so have been misplaced. I have my ID, that matches the account so what is really the issue? first to mention I had a sweatsuit on because I feel comfortable wearing but I was being profiled. she begin to question where I get my funds from and I answer freely but she asked mutilple times as if something wasn't correct. At this point, I'm unable to access my account, pay employees, pay rent due to this issue. I'm at a loss and I need one access to my account and compensation for my loss. oh lastly she, XXXX at the XXXX XXXX location and the real manager XXXX whom refused to service me, offered to send a new card to my home address but I WONT BE ABLE TO ACCESS MY FUNDS. MAKE THIS MAKE SENSE
Product: Debt collection

I had to move out of my apartment earlier than expected due to a XXXX move. I gave the apartment complex the XXXX days notice required for military moves. I thoroughly cleaned the apartment before moving out but was surprised to see a lengthy statement of charges for items that were cleaned, damages that had not occurred and professional cleaning charges that were not in the contract. The charges were as frivolous as a {$15.00} charge for broken lightbulbs that had been recorded as broken at move in. The apartment complex called me and asked for an address, claiming they need to send a check with my full deposit to. However, they did not return my deposit and instead sent me a bill claiming that I owed them additional funds for the fraudulent charges. I know of other XXXX families who have had similar experiences with this apartment complex. I refuse to be coerced into paying. 

Separately, the apartment complex likely caused damages with excessively high heating and air conditioning bills : almost certainly due to the apartment not meeting building code for insulation. The management refuses to address these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.
Product: Student loan

I sent it in a payment through billpay through my bank account and they said that theyve never received it but my bank says that they receive it and they still have not given me the money and its two months later, and they still have no clue where the money is and since this all went on, they put my wifes loan in forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; Experian, XXXX and XXXX removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

" I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts/Collections that are being challenged 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.
Product: Credit reporting or other personal consumer reports

XXXX- account # XXXX Experian Payment history guide states 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX But in their same report of the payment history chart XX/XX/XXXX there is no Data listed for this period, XX/XX/XXXX the report states that I was current. Another discrepancy is XX/XX/XXXX payment history guide stated that I was 60 days late but in the same report of the payment history it only shows I was 30 days late. 
In addition the payment history guide stated that on XX/XX/XXXX I was 90 days late when in the same report of the payment history it shows I was only 60 days late. I have the rights as a consumer to have completeness and accurate information reporting on my consumer report. 

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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, Transunion & XXXX are still reporting the fraudulent accounts.
Product: Payday loan, title loan, or personal loan

XX/XX/2019, amount paid to me {$3000.00} dollars check. I need proof that this amount was paid to me on the date that's shown above from One Main Financial. Additional to that, XX/XX/2019 I need proof in writing with a copy of check from One Main Financial. {$5300.00} amount paid on prior account, XX/XX/2019. However, I was accused on XX/XX/2019 that I claimed I wanted to refinance and takeout an additional loan for my XXXX XXXX of {$5300.00}. The representative who was working with my title loan on XX/XX/2019 and XX/XX/2019 is ( XXXX XXXX ) she the one claimed that I said I wanted refinance my loan and I takeout additional loan in her possession. I had spoken with the Manager ( XXXX XXXX ) on multiple occasions regarding my concerns of what I state above, at the location in XXXX Ca. However, she redirected to the Executive Office OF Customer Care name ( XXXX XXXX ) sometimes inXX/XX/2019 I had spoken with her with the issues of above. For some reason, I am not getting the information I need to settle my account with the accurate Amounts. ( Amount Financed and Finance charged ). I definitely recalculated the amount that supposed to be issued to me on XX/XX/2019 by check. And the amount does not add up in my calculation. And numbers don't lie. So please take my report in your consideration. feel free to email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

After experiencing multiple occasions of money not readily available as stated through the app as well as unavailable chat or agents by phone or even a number to reach out for contact, I am uncertain that I received all monies as well as monies I sent was received correctly when using cashapp ( block, inc. ) due to the inadequate customer service and unfair practices, which do violate the Consumer Financial Protection Act ( CFPA ). More specifically, CashApp failed to take timely effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate read address for these violations.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account should NEVER have been reported late, in the year of XXXX. The Lender did NOT include my apartment number on my bills. After disputing these late payments multiple times with no success, I reached out to the XXXX of XXXX XXXX, explaining my issues. 

After further investigation, the XXXX had agreed that the two 30-days late charges payments were no fault of mine. They realized that they were at fault, so I was issued a refund check for all the months that I was charged a late fee. 

According to the Lender, they had submitted an AUD form to Equifax, XXXX, XXXX, and XXXX, requesting that they update late payments for XXXX and XX/XX/2018. 

Equifax is the only Credit Bureau that has NOT updated the TWO late payments thats being reported. I had uploaded all the documents that the Lender sent me when I disputed the late payments again, but still had no luck with Equifax updating the two late payments. The other Bureaus updated the reporting without any issues.

I have attached the following : Lenders letter apologizing for missing and/or delayed bills.

Lenders letter # 1 sent to Bureaus. 
Lenders AUD form that was sent to the Bureaus. 

Thank You!
Product: Debt collection

I recently had a collection report to my credit report for a debt not from me. I have never lived in the apartment of rental of XXXX XXXXXXXX XXXX XXXX I never lived at this address, and I never lived in this XXXX XXXX. This account is not mine. I filed an identity theft. I have filed many requests to the KIMBALL TIREY & ST. JOHN and to XXXX XXXX and XXXX earlier this year and no reply or action to delete this item. this is not mine and from Identity theft.
Product: Student loan

Annual re-certification of income for Income-Driven Repayment ( IDR ) plan. This happened in XXXX and is happening again ( XXXX-XX/XX/XXXX ). IDR application submitted, with direct guidance from FedLoan ( we have notes of employees, employee numbers ) as they walked us through how to fill out the application so we did not experience XXXX again - which was they denied IDR, moved our monthly payment to {$1000.00} due to some box being checked " incorrectly '' but as guided by their employee. In XXXX, they also ( after many many calls ) assured us they would expedite the application and not run the {$1000.00} payment. They processed the {$1000.00} payment, and we had to go to our bank to cancel after being assured it would not be processed. 

Back to XXXX, same thing all over again. We deliberately call FedLoan to assure we do application correctly to avoid XXXX situation. Then they deny application, again after following each of their steps they directed, We talk to them and the most recent rep walks us how to fix the wrong application ( again which they directed us to do ). Now after months of sitting there, and they wait until the deadline for annual re-certification and say the {$1000.00} payment is due since the applications were denied. 

Again, it is a long history but the main idea is that we get different answers from different FedLoan reps - each assuring us it will all be fixed, expedited, application is correct, etc, etc but the end result is utter failure to honestly and consistently service my loan and work towards PSLF program. The emotional stress and actual time on phone is so intense and just is not right that a company can do that to people. I can't imagine the people who don't have a partner ( like my wife ) who as a XXXX veteran is home to deal with this company. Please, please help us.
Product: Debt collection

Called about a medical debt that I owed because it was on my credit report. I was never notified the company had my acct. I advised the rep I spoke with and her response was ' Well you had several addresses ' They added fees and interest which is illegal for medical accts.