23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Resurgent Capitol Services. This company stated that received their investigation from XXXX XXXX XXXX XXXX their findings were Verified and Accurate from what I'm taking this to be this debt collector response. I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the alleged debt and money that I do not owe. Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. I don't need to see itemize bills if it doesn't have my signature. Your threats to are invalid and once again you didn't proved me with any proof of how this information is valid please provide your findings of your validation to be verified. I DEMAND FOR VALIDATION PURSUANT 15 USC 1692gb. Your refusing to remove fraud off my credit report after Resurgent Capitol Services has been informed of this aggravated theft. If Resurgent Capitol Services continue to pursue this without proof I will seek legal matters for damages.
Product: Debt collection

Debt collector, XXXX XXXX, contacted a phone number where I have not lived for 10 years and left a detailed message regarding debt owed on parent 's number. Against FDCPA regulation.
Product: Debt collection

I XXXX XXXX am a victim of identity theft, requesting removal and deletion of account from my transunion, XXXX, and credit report. I am writing to formally report complaint for a debt of { {$1000.00} } that has been falsely reported on my credit report by I C System. account number XXXX. This debt was allegedly sold to a third party in and does not belong to me. I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Erroneous Reporting : The collection does not correspond to any services I have received or authorized. Improper Sale of Debt : This debt originally belonged to the XXXX XXXX XXXX which was indeed sold to a third party IC System, I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy. This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate deletion I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breaking the laws under 15 USc 1601
Product: Student loan

On XX/XX/2023 I was approved for the XXXX repayment plan for a majority of my loans. My monthly payment was set to be {$100.00}. 

Today, XX/XX/2023 I receive a backdated notification from MOHELA informing they've changed me from the XXXX plan to the Level/ standard repayment plan. I never requested a change, I want to stay on the XXXX. I don't know why MOHELA chose to make this change without my request or need. They now expect a $ 320 monthly payment due in XXXX. Literally triple my original expected payment.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violations.
Product: Credit reporting or other personal consumer reports

I paid for a subscription on XXXX that should have given me access to all XXXX credit reporting agency ( XXXX, XXXX, and TransUnion ) credit reports and my reports and scores have not been updated in years. I also could not obtain an updated credit report on annual credit report.com. There has been several instances of fraud committed by XXXX, XXXX, and TransUnion without me being able to access a credit report that is XXXX XXXX accurate across all XXXX credit reporting agencies. There are many inaccuracies that need to be deleted. I should only have XXXX name on my credit report : XXXX XXXX XXXX XXXX. I should only have XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The account XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update this account to Paid As Agreed Never Late. The Collection accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are fraudulent and should be deleted. The accounts XXXX  XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update these accounts to Paid as Agreed Never Late. The account XXXX has never been late and should be updated to Paid As Agreed Never Late. My credit report should be XXXX XXXX accurate. Please allow access to the paid subscription with all XXXX credit reports with an updated credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Debt collection

I received a notice on XX/XX/23 from SCOTT & ASSOCIATES P.C. that I owe them a debt. 

I have no contact with them, nor have I done business with them. I have sent notices to cease and desist and remove themselves as third party interloper/trespasser in my private affair, but they keep sending my notice and ignored my cease-and-desist notice. 

Attached to this case are all the communications between me and SCOTT & ASSOCIATES P.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  never provided me with documentation for the {$120.00} collection yet Equifax claims the debt is valid. This bill is for a  two  year old  XXXX  that had multiple errors in the billing process.  XXXX   XXXX   XXXX  has already been paid over {$1300.00}. Both   XXXX   and  XXXX  have investigated and removed this item.
Product: Debt collection

Flagship Credit Acceptance continues to sell incorrect information to XXXX. The note that is being used to make profits for Flagship Creedit Acceptance belongs to the Estate and since the estate has equitable title and interest rights all profits that have been made from the sale sis due to to the estate. XXXX is a data furnisher that sells information to various entities for profit missing private estate property for commerce is against federal law.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protect Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX  account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, and on XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information  shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate account on my credit reports, Kohls Department Store/Capital One Bank, account number XXXX, an account that I has never been authorized to open, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I expect this account will be removed from my credit files immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ). I request that the CFPB take action to ensure Equifax, XXXX, XXXX complies with federal law and provides consumers with the necessary proof of investigation the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX, XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was horrified to find inaccurate accounts listed, and I cant understand why. I check my credit report regularly, and this has never happened before. I tried refreshing the page, hoping it was just a glitch, but the incorrect accounts didnt go away. Please, I need someone to review the documents Ive sent with care so I dont have to live in fear of this happening again.
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ) per the CFPB 's lawsuit filed XX/XX/year> ( Case XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.
Product: Debt collection

On or around XX/XX/year> I noticed a letter in the mail from XXXX XXXX XXXX, XXXX claiming that I the consumer was being sued. I am unsure as to why I am being sued by this debt collector and why I was never previously notified about this alleged debt as required by law under the Fair Debt Collection Practices Act 15 U.S.C. 1692. This debt collector is alleging that I the consumer owe a debt of {$3600.00} from a charged off account. I have no knowledge of this account or ever entering an agreement with XXXX XXXX, furthermore this is the first initial communication I have ever received from this debt collector and it is in the form of a civil lawsuit being filed against me. This is abusive, deceptive and unfair, I the consumer am being taken advantage of and this misconduct has caused me severe stress, anxiety, and mental anguish. My privacy has been invaded and I have been injured. 

On XX/XX/year> I mailed a correspondence to this debt collector informing them that I was invoking my right to verify the validity of the alleged debt. The debt collector has not responded. Please see attachments as evidence.
Product: Student loan

I attended XXXX school XX/XX/XXXX and was informed my only option was defer my payments until graduation. I then entered a sixth month 'grace ' period, of which I collected so much interest. I assumed this was my only option. Also, i have since signed up for automatic debit for payments XX/XX/XXXX to get a .25 % discount on qualifying interest rates and I was awarded this credit FINALLY XX/XX/XXXX according to my statement. I never received notice that i received the interest rate deduction or any reason why it was so delayed in being applied to my accounts.. ridiculous.
Product: Credit reporting

I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed an account several times with Equifax, each time they have " verified as accurate '' and account has remained on bureau. I disputed the account directly with the Creditor and receive confirmation that they do not have an account with my information. I've tried to resolve this with Equifax but have not been able to have these accounts removed from my bureau. 

XXXXXXXX aka XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Checking or savings account

Bank : USAA Federal Savings Bank, XXXX XXXX TX Summary : USAA is unreasonably keeping my check accounts " locked, '' and is being unresponsive to requests for an explanation of delay, or time to unlock accounts. 

XXXX. On XXXX and XXXX XX/XX/XXXX I reported possible fraud on XXXX of my XXXX check accounts. 

XXXX. I asked USAA if they could place a block on this single account to prevent unauthorized activity. 

XXXX. USAA " locked '' ALL my accounts on or about XXXX XXXX. This despite my needing a different account to transact normal banking. 

XXXX. On XXXX XXXX, all accounts are still locked, and USAA is being unresponsive to requests for assistance. I have no access to my funds, now in multiple accounts. 

XXXX. Attempts to call USAA have failed because I am told the wait time is several hours. On multiple occasions, calls were disconnected. Online chat is unavailable. 

XXXX. Having no access to my funds for this extended period is causing me hardship.
Product: Debt collection

I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This is a new issue with Wells Fargo Bank. A refund ( {$210.00} ) from XXXX XXXX has disappeared from my account. The phone banker ( XXXX ) said, " They are aware of the problem, and it would be resolved today '' ... that was at XXXXXXXX XXXX. It is now XXXX XXXX and the funds have not been returned to my account. The phone banker also blamed XXXX and the merchant ( XXXX XXXX ), not the WF system. In XXXX days, {$710.00} have disappeared from my checking account, and no one at WF can fix the problem.
Product: Debt collection

The original creditor must state, that the debt was paid or remove it from my credit report. The original creditor excepted payment for this debt.
Product: Credit reporting or other personal consumer reports

Simply, we lease new XXXX XXXX XXXX XX/XX/, and error accord XXXX XXXX XXXX XXXX XXXX, they say we pull only 1 inquiry for car loan and we use Experian, and they also say accord sales lady, and this occur before other customers, and others 2 inquiry XX/XX/XXXX  drop 30 days and need update correct, and there only one application car loan lease XXXX, thank you, XXXX
Product: Mortgage

Bayview Loan Servicing refuses to send me monthly statements despite a Federal Bankruptcy Court order to do so. 
They are also withholding applying my payment to my account in a timely manner, essentially increasing the interest they earn. For example, I send them my check on the XXXX of every month but they do no apply the amount paid to my loan until two weeks later.