23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Problem is with CASH APP. I had my stimulus payment deposited into this online checking account. I lost my cellphone and access to the email account that were associated to my cash app account so when I try to login to that cashapp account it says " unable to verify- access denied ''. So I contacted cashapp support from XX/XX/XXXX to XX/XX/XXXX repeatedly asking for assistance accessing my monies that are stuck inside my account. They instructed me to initiate a new cashapp account as that one with the {$950.00} balance is no longer active for lack of login activity. I did as told and they were going to then Merge the accounts giving me access to my money as I am able to provide all information requested to verify my identity minus the access to the old cellphone number and old email account. They attempt this merge over XXXX and each time apologize and say it can not be done as is denied. I ask what are my options now? They can not keep my money. They say there is nothing left to do, access is denied unless I can get back into that old cellphone number that is no longer even in service. I then ask how to dispute this? That it's illegal to keep my money and where can I serve a small claims suit to them? And I get no assistance with that request. I need my money. I should be able to utilize the service if a notary who can verify my identity and id card match and submit this as proof of identity then access my money, but that's not an option they claim. There's nothing more they can do besides keep the money in that account unaccessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. Thanks XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$750.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$530.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$2500.00} Balance updated XX/XX/XXXX, XXXXAccount Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  {$2900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Closed ) Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX 7-dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021, I checked my credit report and noticed that XXXX hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since XXXX hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, XXXX refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 2 hard inquirys on my credit report one XXXX/XXXX   through XXXX  from XX/XX/XXXX this account is still activate, but in excellent standards which should show payments made on time and account balance was paid off to XXXX  well ahead of time. Another inquiry is from Bay County Consumer which was paid off and account closed well over 10 years ago in XX/XX/XXXX or XX/XX/XXXX. I believe these 2 accounts begin hard inquiries are make my credit report through XXXX as low as it is at this time.
Product: Debt collection

i received a voicemail stating i needed to call Premier Recovery Group concerning a complaint regarding my social security number and if they did n't hear back from me, they were going to contact my employer.when i returned the call to XXXX a young man named XXXX answered He gave me information concerning a debt without verifying who i was other than asking my name. He stated that i needed to take care of this debt before they began legal proceeding against me. when i asked him to send me a verification of debt letter, he began calling me a liar and a thief then proceeded to hang up on me.
Product: Student loan

XXXX XXXX XXXX XXXX, I contacted XXXX to request payment refund during pandemic. Nothing happened. And I called XXXX in XX/XX/XXXX again and was told my all information will be transferred to Aidvantage  and I would get the mail from them soon. As of today XX/XX/XXXX, Aidvantage still don't have my information and I'm so frustrated. No one seems understanding what they do in Aidvantage nor XXXX and XXXX does not even answer the phone anymore. I don't know what to do.
Product: Credit reporting or other personal consumer reports

There are Collections and Charge offs and Late payments that are on my credit report and I have contacted XXXX, XXXX and Experian on many occasions and they have failed to respond to my disputes.
Product: Debt collection

Was contacted in MidXX/XX/XXXX from the Fair Collections & Outsourcing ( FCO ) of XXXX XXXX regarding a debt owed to the XXXX XXXX XXXX at XXXX in New Jersey for he amount of {$8000.00}. 

I have never been to New Jersey and sent FCO a letter in XX/XX/XXXX that stated this was not my debt and to send me what proof they had. 

They send me an apartment lease not signed by me and a list of late payments not with my name on them. 

FCO then said they wanted all of my personal information to make sure they had the right person. I did not send they my personal information because that is a scam. 

They have since continued to mail me letters stating I own this debt to them. 

On XX/XX/XXXX I received a call from XXXX, a man named XXXX XXXX answered telling I owned him money and to prove it was me. I provided my name, DOB and last 4 of my SSN to him. He then provided no other information other and it was me that he wanted. 

I told him it is not my debt, he told me I needed to file a fraud report.
Product: Payday loan, title loan, personal loan, or advance loan

I discovered that there is loan under my name which I don't apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XX/XX/2021 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX Account # XXXX, SANTANDER Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX, SANTANDER Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXX XXXX finance is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my XXXX but its still reporting on my Equifax and XXXX list of tracking number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, Trans union and Experian has failed to respond accordingly after sending all the documents they requested they keep sending me a computer generated response asking for the same information over and over totaling XXXX  times. Their negligence has caused sever injury to my vessel. Vessel being my property. This my final attempt to notify them in this administrative process and cfpb is my witness. All those hard inquiries I did not make you did not prove that I made them except you had a computer ai respond. This is your last XXXX  days as I can not receive credit even though the scoring system is false scoring system because every time the social security number is ran for an amount that account is funded. I am seeking damages of XXXX XXXX dollars if you dont respond accordingly and remove all the negative items I did not give consent to. You must look at our previous conversations in order to fulfill this demand. Im willing to accept the negative items if you can prove I made them, if you can not prove it you agree to pay me XXXX ; XXXX a living man filed on public record in XXXX XXXX document XXXX. I hve given you a year to correct this I will file in federal court a default judgment in these last XXXX  days of your non response and it will be your tacit acceptance that you agree to pay the living man for damages on behalf of XXXX XXXX. I should have XXXX hard inquiries as I have not used this dam scoring system in over XXXX  years XXXX  bank I never had an account, resurgent receivables has not provided the corporate records of account nor their chain of assignments, nor authority to report with any consent given. I had no contract with them All three of you are hard headed corporations seeking. A profit because they paid you to report something they can not even prove which I will file suit on all XXXX of the credit reporting agencies attached affidavits now prove Im not credit worthy with an affidavit of your own any other response will be here say and not allowed. No exceptions. Im living Im not deceased nor am I the corporate fiction. So correct this mess. Its a demand no longer a request
Product: Debt collection

Roughly around XXXX of XXXX and again earlier in XXXX, I was contacted by XXXX XXXX stating that I owed them money for allowing my insurance policy to expire. I informed them that I did not as I fully paid my bill before I cancelled my insurance.Then in late XXXX, or early XX/XX/XXXX, I received a notice from a collection agency about the XXXX debt. At that point, I contacted XXXX and disputed the information as being inaccurate. I made several phone calls which yielded no results. I then emailed the customer service department around XX/XX/XXXX, stating that they have a collection for my account and that it is not accurate. They responded on XX/XX/XXXX asking for proof of the insurance that I had when I canceled. I submitted that information. Initially, they claimed that they could not find the attachments, but after several days of continued rebuttals by me, they decided that they could find the attachment on XX/XX/XXXX. They acknowledged that they had to backdate the cancellation date but now I may owe a short-rate cancellation fee for canceling early. They contacted me via phone call several days later reiterating the same message and that they were going to contact me once they had figured out if I did have to pay a fee. They then called several days later around XX/XX/XXXX stating that I overpaid by XXXX plus dollars but still had to figure out if I had to pay a fee. Then several weeks later around XX/XX/XXXX, they reached via phone call stating the fee amount was roughly {$120.00}. I told them would pay it on the spot and that I wanted this incorrect collection issue resolved. They then sent me to their payment people and I paid the fee on the spot. Five days later, the credit collection agency reported my debt with XXXX. I then contacted the credit agency disputing the collection. I informed them of the mistake made by XXXX and that I had resolved everything with XXXX. I also stated that I never owed them anything, that the collection was incorrect, and I had never conducted business with the collection agency. They stated that they knew that, and they also knew that I had resolved it but was going to continue to report it until XXXX corrected the information. Several days later they updated the information showing a XXXX balance. I tried to escalate the issue to their management with zero resolution. I since have reached out to XXXX via phone call and email from XX/XX/XXXX until XX/XX/XXXX over XXXX times. I have left multiple voicemails, I have been promised that I was going to receive a phone call multiple times and have never been contacted since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, the XXXX account was disputed with XXXX. On XXXX/XXXX/2022, EXPERIAN was notified of the errant account on the credit report and was asked to remove it. EXPERIAN was provided a copy of the letter that had been sent to XXXX. On XXXX XXXX2022, EXPERIAN was again notified with concerns about the validity and accuracy of their investigation and specific explanations were requested, all of which were disregarded. As of today, XXXX/XXXX/2022, the XXXX account continues to be reported by EXPERIAN, in error, and in violation of the Fair Debt Reporting Act. This has already caused severe harm and continues to cause severe harm to me. Copies of letters, credit report, and highlighted errors have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. Experian XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX. XXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX Credit Bureaus, Experian, XXXX, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank you!
Product: Mortgage

In the first XXXX years that Seneca Mortgage Servicing, LLC has serviced our mortgage, they have failed XXXX to make the home insurance payment on time. Now we are dealing with a large insurance claim to replace the roof due to storm damage. Seneca only use standard mail to exchange forms and does not use email, fax or other faster forms of communication. It took XXXX weeks for them to send us the forms required to initiate their process. They say it will take another 5-7 days after receiving for them to process the forms and release the funds to pay for repairs - and that is best case. In the meantime, our roof is vulnerable to leaking during the raining/stormy season while Seneca crawls along " protecting '' their investment. Why is an archaic company allowed to remain in the mortgage servicing business when they are actually causing problems for customers and putting property at risk? If I had a choice of servicing companies, Seneca would be on my " never use them '' list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a lot of inquires on my credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Product: Debt collection

I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made.
Product: Checking or savings account

Money is taken out then the bank charges me an overdraft fee, an unauthorized charges, my account gets locked and receives a new card but it still happens more frequently and Im just tired of it, however the overdraft fee doesnt go away! Is {$35.00} per draft when it wasnt my fault
Product: Debt collection

In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. 
Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. 

I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.
Product: Credit reporting or other personal consumer reports

I have submitted 3 disputes to each of the credit bureaus. An erroneous XXXX XXXX account was put on my credit report 3 months ago. My XXXX XXXX  account has never been in collections. I even went down to the court house and got a copy of my XXXX XXXX payment ledger. The XXXX XXXX account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my XXXX XXXX payment ledger and court house documents.
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 an 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account. 
XXXX, Equifax. XXXX XXXX has violated my rights. 

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 writing instructions.