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

EQUIFAX REPORTING THE ERROR XXXX XXXX XXXX  XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.
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 ( XXXX ). 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I submitted my dispute via XXXX on XX/XX/XXXX and Credit Reporting Agency received it on XX/XX/XXXX and sent me the results on XX/XX/XXXX ( XXXX ) Days. 

The basis of my dispute was that my privacy rights are being violated.

FCRA Section 602 states I have a right to privacy and FCRA 604 ( A ) states a credit reporting agency can not furnish an account without my written instructions.

By not replying in a timely manner to my initial dispute you have not only violated Federal law, but you have failed to provide a copy of any viable evidence, bearing my signature showing that the account ( s ) are being reported with my written instructions in accord with laws that protect me as a federally protected consumer which is FCRA 602 and FCRA 604 ( A ) .Be aware that I am making a goodwill attempt to have you clear up this matter.

The listed items that were verified /updated I want deleted due to your untimely investigation : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Trade : XXXX XXXXXXXX XXXX XXXXXXXX. 
Trade : XXXX XXXX XXXX # XXXX. 
Trade : XXXX XXXX / XXXX # XXXX Trade : XXXX XXXX XXXX XXXX. 
Trade XXXX XXXX XXXX XXXX XXXX 
Trade XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX # XXXX : Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX 

I am maintaining a careful record and will file a complaint in court if you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) you may be liable for your willful non-compliance.

I will be seeking {$1000.00} per violation.

1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of Fair Credit Reporting Act
Product: Debt collection

I have received a notice that is NOT my debt. Reference # XXXX. I have previously called the number listed on Rent Recovery Solutions letter to no response. This amount of {$200.00} is not my debt.
Product: Credit reporting

Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, Equifax and, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.
Product: Debt collection

Two phone calls were received on XXXX/XXXX/XXXX at XXXX XXXX ET and XXXX XXXX ET from a Penn credit corp on caller ID. No message was left with any details and when attempting to call back all that was being said in the first call is that this was regarding a personal business matter. The company name was not divulged and nothing other than this call is being recorded were advised. They asked twice to speak with someone else but all they would advise is that this was not a sales call when asked directly. After doing more research online it appears multiple individuals have been scammed by this company for non existent or settled debts. There has been no notifications received by mail and no knowledge of any debts outstanding as all have been paid up to date. This company seems to be taking a large amount of liberty with when they have to divulge who they are as well as dancing the line of legality with their outbound sales calls. When I called back asking to verify if the first number was legitimate using a different number directly from the companies website all they could advise is that they use multiple numbers including local numbers sometimes. They have removed the number from the listing but we have no way to id the debt without giving out personal details and potentially being falsely held liable for an invalid debt. At this point our next step is to contact our lawyer and escalate the matter legally.
Product: Mortgage

I am currently going through a divorce proceeding. I have a final trial date on XX/XX/2023. I have been attempting to work out a loan modification with Shellpoint mortgage due to pending divorce and temporary financial hardship ; however, i was denied and did not qualify for the loan modification. I have been advised to resubmit application once i have final court order and divorce decree ; however, in the meantime company has initiated the foreclosure process engaging in dual tracking and continue to apply additional legal fee to outstanding balance. I am in a situation where i am unable to provide needed documents to be considered for loan modification and the company is well aware of this.
Product: Credit reporting or other personal consumer reports

While checking my report I noticed that there was an account that was active on my report that did not belong to me. I tried to contact the company who stated that they will investigate this matter. I believe that my identity has been compromised and impacted in a data breach, and I would like for this to be corrected and for my information to be protected. 


XXXX XXXX date opened XX/XX/2024 balance of {$1100.00} This is NOT mines, this a fraudulent account and according to the FTC, it is my right to fair and correct reporting and my identity should be protected.
Product: Debt collection

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX Wells Fargo Bank , N.A . 

XXXX XXXX XXXX XXXX, MN XXXX RE : Acct # XXXX CFPB Complaint ID : XXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim revolving account type closed condition here such as I owe {$5400.00} or my account was charged off {$5900.00}. 



I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 



I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 



As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 



I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. 



My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX Last 4 of SSN : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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.
Product: Checking or savings account

On XX/XX/2020, I authorized a purchase with XXXX XXXX for {$3000.00}. On XX/XX/XXXX, I realized it was the wrong item and purchased the right item. I called the merchant on XX/XX/XXXX who assured me that they would cancel the XX/XX/XXXX transaction. They never cancelled the transaction. So I returned the item and was credited XX/XX/2020. 
In my anger with the merchant for not canceling the first transaction, I declined delivery on the 2nd order. The order was sent back to the merchant with their XXXX  Tracking # XXXX There were 2 debits and one credit from my Capital One account from XXXX XXXX in XXXX. There should have been 2 debits and 2 credits. 
I tracked the declined delivery shipment and it says returning back to sender. I called XXXX to find out if this was a glitch but they refused to give me further information, saying they could only provide information to the shipper. If XXXX  does not have their package, they will need to call XXXX. 
I filed a dispute with Capital One in XXXX trying to get my money back. My initial claim was declined because the claim rep disputed the amount that was refunded. I filed another dispute with the same result. 
It is extremely frustrating as it appears Capital one is not taking the time to read the notes or go through the transactions. The lack of attention to detail and alarms me and I want no further involvement with them.
Product: Debt collection

I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation.

A copy of my government-issued ID.

A recent utility bill to verify my address.

A copy of my Social Security card. 
I sent these documents via certified mail in two separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. Furthermore, they previously responded to my dispute by stating that the debt was " verified, '' yet I do not understand how they could have verified an account that is not mine. I was never a co-applicant on this account and have not authorized anyone to use my personal information in this capacity. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant stress and harm to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX to pay my acct for {$140.00}. Was inform it was transferred to collection company for {$250.00} they stated any dispute had to be done with collection company. I informed them I hadnt received anything from a collection company. I was given phone number. 
I contacted the collection company. They informed me that they emailed me notification on XX/XX/XXXX. I didnt give them permission to email me. I dont receive any bills by email. I asked for a validation letter they refused stated I must dispute online. I informed them that I want a paper copy. They still refused based on those attempts and the deceitful practices I just paid to prevent the debt from going on my credit. The XXXX XXXX was very hostile and threatening. 
My rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.
Product: Debt collection

call from phone number XXXX and present they are ERC debt collector, They call my XXXX  and i told them this is a business and they hangup, keep calling back couple times. XXXX is my business XXXX
Product: Mortgage

Starting this calendar year I have been dealing with a company called Shellpoint Mortgaging services who claim they were not receiving my payments! So payments are missing or not applied correctly it seems! I had to take funds from my IRA to make a XXXX payment in XXXX! To which at the time they stated the amount owed was XXXX I sent in a cashiers check for XXXX and subsequently sent in my XXXX payment of XXXX it was cashed by them on XX/XX/XXXX as per my bank! But never posted to my account! These people are frauds or committing fraud! They sent me a statement on the XXXX  for XXXX! No mention of the XXXX they received prior and late fees on top of what they already received!! I spoke to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was supposed to be a supervisor and have not been able to reach him since! I am XXXX   XXXX due to a XXXX  XXXX I had in XX/XX/XXXX! This is putting undue stress on me and I am afraid to send in any future payments as they are not forthcoming in their accounting practices!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX 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 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: Debt collection

I opened a credit account with Synchrony through XXXX XXXX XXXX credit limit of {$500.00} in XX/XX/2020. I was paying my monthly bill of {$28.00} monthly, I was never late on my bill always punctual. The I got sick with XXXX  XXXX, I believe I wrote Synchrony a letter explaining my situation. I was like two weeks late with my monthly payment of {$28.00}, and Synchrony bank, took it upon themselves to close out my account. I did not have a debt owed in fact. The monthly payment I was paying every month was being credited to my account ending in XXXX. I know the action that they took against name is wrong, and they have the simplicity to contact me, and blow up my number ending in XXXX, trying to collect a debt, that I don't owe the account is closed. I tried to work it out with them, begging them to reopen my account, why did they close it that was very unfair, and crucial to me. That is not how you treat customers that are loyal and have a record of their loyal intentions by paying monthly bill on time. 

They input derogatory remarks, and comments onto my experian credit report monitoring inputting " worst ever status '', " accounts ever late. '' Factors influencing your score downward Too many bankcard or revolving accounts with delinquent or derogatory status The number of inquiries was also a factor, but effect was not significant Lack of sufficient relevant real estate account information The date that you opened your oldest account is too recent My credit score went from XXXX to XXXX within a month What language is that in.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 or other personal consumer reports

I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : DAS ACQUISITION COMP via XXXX XXXX Date : XX/XX/2023 Company : DAS ACQUISTION COMPA via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.
Product: Credit reporting or other personal consumer reports

I am reviewing my credit report and I get this account that I don't recognize, I call the company and they don't give me an answer that's why I want to report it, I don't know it and it shows up in my credit guru and according to the law it says that there is a difference between the credit gurus You can send the companies for false payment information which is fraud because that account is not