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

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking Experian, XXXX, and XXXX  to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX  : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.
Product: Debt collection

When contacted by Carmen V. Porreca P.C. on XXXX XXXX, 2016, my husband who is an authorized third party was advised not to send in a letter disputing the charges when he stated I wanted to dispute it. He was advised if we wanted to dispute the charges we should allow for the charges to go to court and wait to be served by a sheriff. I never received any notice or anything advising I have the right to dispute the debt. 
When contacted by XXXX from Carmen V. Porreca P.C. on XXXX XXXX, 2016 I told her that I had received letters from law firms advising my check was to be garnished to due this debt. She told me that it was not true and that it 's just what they do as they are like ambulance chasers. She said I am worrying for nothing. As the call progressed she refused to let me speak to a supervisor and when asked if calls are recorded she stated '' Yes and they will see how mean you are ''. When I still pressed for her supervisor she hung up. I called back and she answered. After continuing to ask for her supervisor 's information she finally gave the name of XXXX XXXX and advised she was not sure when she would came in but she would call me when she does. No call was ever received. I told her I would like the bills and I will try to look into them with an attorney she advised it would not matter it wo n't stop them from collecting.
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 was 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 repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate info without demonstrating that the info has been thoroughly reviewed and/or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's consistent failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has not provided me with the methods used to verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Student loan

i have over {$100.00}, XXXX of student loan debt. The subserviceer of this asks for certain paperwork from Social Security. I am on permanent XXXX. I provided that information to them and they stated it was wrong. I called back and they stated it was on the form requested and had all of the necessary information and I qualified and they should not even need the form but it was provided to me to forward as a courtesey. They got a form from my pracitioner who maintains my health and they would not accept that information either. i don't know what to do. I have been on XXXX permanently since 2009. I am not getting anywhere and can not pay this I get {$800.00} a month that is all. I don't work because I can't not because I don't want to.
Product: Checking or savings account

On Monday XX/XX/2022. I received two alerts from Bank of America about an attempted login to my mobile banking. The first alert I did not respond to due to, being at work. The second alert is where I responded that it was not me who authorized this login. Therefore they sent me a phone number to contact to reset my ID and Passcode for my mobile banking. After I did this everything was fine. Then a few days later on Friday, I tried to log into my mobile banking but was not able to and was directed to call BofA. Which I did and was then transferred to the fraud department which is where I was placed on hold for over an hour! Only to not be helped by anyone due to them hanging up on me because it was closing time. So I call the next day Saturday XX/XX/XXXX and again I was on hold for XXXX and XXXX. Finally when I got someone on the phone the lady that was assisting me, was not only no help at all with my situation! She went even further to go and start insinuating that I was lying as to who I was as well as to blame me for getting my mobile banking compromised. After she blamed me for something I had no control of she then stated that all my accounts are now closed due to this fraudulent activity which I find is not far due to my long great standing history with this bank, and the fact that I wasnt given any help or choices to prove my identity/validation that these are my accounts. Nor did the lady on the phone make me feel as though I was being protected. All she did for me was recommended me to open a new account with another bank. But yet no information as to whats going to happen with my current money in my checking accounts and had no sympathy when I had informed her as to what am I supposed to do with no money for 2 weeks. It is completely ridiculous how this bank handles fraudulent activity.
Product: Debt collection

Creditor supposedly owns debt in consumers name. Consumer debt Velocity Recoveries a debt Verification letter via USPS certified mail with return receipt which was received by velocity on XX/XX/XXXX at XXXX at address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX See attachment, company has not yet verified debt per FDCPA per consumer request. 

Consumer received email from supposed representative of Velocity Recovery by the name of XXXX XXXX XXXX XXXX on XX/XX/XXXX also see attached email. 

Velocity Recovery is in violation of FDCPA by still attempting to collect on a dispute debt that has yet to be validated.
Product: Money transfers

Trying to get my money refunded. Sent money through MoneyGram, receiver did not get paid. Walmart tried to help but their call with MoneyGram was cut off. The only reason MG gives is that " it is under review ''. It takes about XXXX mins to get a live assistance on their XXXX number, IF lucky to get someone, the call is cut off after a few minutes. Money was sent using the " XXXX minute '' delivery service on XXXX XXXX.
Product: Debt collection

When disputing a medical bill, Rash Curtis sent me an account statement from an unknown third party debt collector, XXXX XXXX XXXX I do not recognize this company or information it contains. XXXX XXXX XXXX did not list a physical address. XXXX XXXX also claims to be a " Pending '' licensed debt collector but I can not find any information about this company with California Secretary of State, The DFPI, or through the XXXX XXXX fictitious business registry site. XXXX XXXX XXXXXXXX is not registered as a licensed debt collector in California. The letter was from Rash Curtis so I am not sure who this third party is and their relation to the medical bill. 
I was not given instructions on how I can dispute this medical debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name
and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/inquiries listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am sending you this letter referring to the response to my complaint against EastWest Bank received on XX/XX/2022, I wish to express that after much consideration and due diligence that I'm still doubting and way too confused about the situation with my complaint, and it triggers me a lot of XXXX 
The main reason I continue to insist on due process in my case is because I understand that EastWest Bank has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. Moreover, as we can see in my case, they failed to follow the established Anti-money laundering system to prevent these crimes to happen. 
In the past, when I communicated with you regarding my other complaint, against XXXX XXXX, I have provided you with a letter from the United States Senate to your director specifically pointing out the regulatory gap that exists and leaving us consumers without legal recourse for fraud. It should be understood that this letter as well as the direct letter from the Senate to XXXX XXXX XXXX XXXX XXXX highlights not only the problems of the XXXX platform itself, but of the banking system as well. As it says : " According to XXXX XXXX, banks were essentially 'throwing [ ing ] up their hands and saying 'it 's not our problem because you authenticated it. And also : " The policies of your company and the banks that own and operate on it create a confusing and unfair environment for consumers ''. 
It should also be emphasized that certainly there is broad legal precedent holding financial institutions liable for customer losses in a variety of jurisdictions. For example, in Wiand v. Wells Fargo Bank, N.A.  ( XXXX XXXX XXXX ), the federal courts recognized claims for both Fraudulent Transfer and Unjust Enrichment where the bank had failed to protect customers from a XXXX scheme. Similarly, victims of a massive XXXX  scheme perpetrated by an individual named XXXX XXXX successfully sued XXXX XXXX for both aiding and abetting fraud and fraudulent misrepresentation. See Coquina Investments v. TD Bank , N.A XXXX ( XXXX XXXX XXXX ). See also Lerner v. Fleet Bank, N.A. ( XXXX XXXX XXXX ) ( XXXX XXXX courts uphold claims alleging bank was " conduit '' for fraud ) ; Neilson v. Union Bank of California , N.A XXXX ( XXXX XXXX XXXX ) ( California investors successfully allege aiding and abetting in XXXX  scheme by Defendant XXXX XXXX  XXXX XXXX As your legal department is no doubt aware, this is just a fraction of the many instances in which banks, which hold a duty to their customers, have been held responsible for losses related to third party fraud. 
|without prejudice| I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible. 

Yours sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, i requested a home mortgage from XXXX XXXX Mortgage, XXXX. A company named XXXX XXXX appeared on my consumer report on XX/XX/2022 and again on XX/XX/2022. When i spoke with a manager from XXXX XXXX Mortgage XXXX XXXX, she informed me she was pretty sure its the credit scoXXXX. I cant find information on the company and she, XXXX XXXX, stated it was a XXXX XXXX and XXXX XXXX Mortgage, XXXX falls under the umbrella of XXXX XXXX XXXX XXXX I asked her since there was no exchange, if they could remove the inquiry. She said no This is unauthorized use of my credit card. Theyre reporting on my consumer report and I received no benefit. If anything, this may damage me when I apply for another as my family needs a home.
Product: Money transfer, virtual currency, or money service

Cash app has basically taken my account under my email XXXX and for some reason closed the account after I gave them my date of birth and SSN. Ok whatever fine not the issue. The issue is I have a balance of {$17.00} on my cash app account and since my account is now closed i can no longer send the balance to anyone and the only thing I can do is withdraw the balance to a debit card or bank account. Now when I put my debit card number which has been linked to a cash app account under the email XXXX before i get an error stating that this debit card is linked to too many cash app accounts and cant be added. Ok... well then I try a different debit card that hasnt ever been linked to a cash app account I get another error saying that " You cant link a new debit card, you must link a debit card that has been previously linked to the account before '' wait .... I just tried to link a debit card that has been linked to the account before and cash app gave me the error saying that its been linked to many times? so now what? well lets go through the process of linking a bank account using plaid .... I go through the process give all the right information and I get the same error " Cant use this bank account use a bank that has been previously linked '' which I have emails showing that the debit card and bank account I am trying to link are the exact bank account and debit card that have been linked to the account before. So I go to cash app support and tell them my issue and they just repeat exactly what the errors say and give me now help and my money is basically stuck on the account. I have tried looking up information on how to fix the issue and get no help and everyone just saying that cash app wont help and I am basically XXXX out of that money on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/21 from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all 3 credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion XXXX XXXX XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to XXXX XXXX they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached XXXX or more copies to authenticate my identity to process my complaint.
Product: Student loan

I am filing a dispute regarding EFinancials reporting of an account under my name. I have contacted the U.S. Department of Education, and they have confirmed that there is no record of XXXX being the servicer of any federal student loan associated with me. Despite this, XXXX has reported an account under my name without any legal documentation proving their authority.

I am requesting that the CFPB take immediate action and require EFinancial to : 1. **Provide verifiable documentation** proving they are the authorized servicer of my alleged federal student loan.

2. **Cease all credit reporting** of this account unless they can provide lawful proof that I am responsible for it.

3. **Comply with federal laws** regarding student loan servicing and credit reporting. 
If XXXX can not provide proper documentation from the Department of Education, their actions constitute fraudulent reporting and should be addressed accordingly. I request that this account be removed from my credit report immediately if they fail to provide legal proof. 
I appreciate the CFPBs prompt attention to this matter and look forward to a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX REF XXXX & XXXX XX/XX/2024 Dear XXXX, I am writing to dispute the validity of the debt you are attempting to collect from me. I am aware that under the Fair Debt Collection Practices Act ( 15 USC 6801 ), I have the right to request validation of the debt and to dispute any inaccuracies. I am also aware that under the same act, debt collectors are required to provide me with certain information regarding the debt. 

I have not received any verification of this debt from your agency, nor have I been provided with any documentation proving that I owe this debt. Furthermore, I have not been provided with the required notice of my rights under the Fair Debt Collection Practices Act, as mandated by law ( 15 USC 6802 ). 

I am requesting that you cease all collection activities until you can provide me with the necessary verification of the debt and documentation proving that I owe this debt. Failure to comply with these requests will result in further legal action being taken against your agency. 

I expect a prompt response to this letter and a resolution to this matter. Please provide me with the requested documentation within XXXX  days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Credit reporting

There is an account on my Experian Credit Report from XXXX XXXX XXXX # XXXX which do not belong to me and have disputed wth Experian Twice and they have disregard my dispute since they continue to report this account on my report!!
Product: Debt collection

I've recently reviewed my credit report and notice I have fraudulent activity.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I been waiting on an answer to receive my cash and they dont have a date to give me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now they are saying I didn't write my own dispute. In there own words " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm angry because they don't want to handle the incorrect information that's reporting on my credit report. I WANT THIS HANDLED NOW! I provided everything they needed. There shouldn't be no excuses why this should not be handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, TransUnion or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : 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 Total Card 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
Product: Debt collection

I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with Monterrey Financial Service LLC. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that MONTEREY COLLECTION SVCS is not doing.