23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint against MRS is multifaceted : repeated calls from often " spoofed '' numbers and autodialed, never received anything by mail, inadequate information to be able to dispute this collection attempt, concern I am the victim of identity fraud but unable to pursue as MRS is uncooperative and withholding information, never having been a customer of the company they claim the debt is from, and MRS refusing to provide their contact information. I receive multiple phone calls a week from this company, sometimes 3 or more a day. Calls are sometimes from an XXXX number, but more often they are from a " spoofed '' local number. They asked for me to give personal information, which I refused to verify over the phone. They then refused to tell me the name of their company, their address, their contact number, or the nature of their call. These calls have been continuing for roughly 6 months now. I no longer take their calls, as they do not seem reputable. I have received nothing in the mail, and no debt validation letter. I did receive 1 text message on XX/XX/2019 ( see attached screenshot ). The text states this is regarding a XXXX XXXX debt on behalf of another debt collector, XXXX XXXX XXXX. No account number has been provided. I have never been a XXXX customer in my life, so I know this is not my debt and their collection attempts are not legitimate. I have not received enough information from them to even dispute this ( no address, no account number, nothing by the mail ). Nothing has ever appeared on any of my credit reports. I am not sure if I have been a victim of identity theft, because when I reached out to XXXX with that very concern, I was told they could not search or verify without an account number to reference, which MRS has failed to produce. The callback number provided in the text does not match any online records for MRS BPO. Again, I have never done business with XXXX. I have no address to contact MRS in writing, and they have not provided adequate information for me to even dispute this collection attempt.
Product: Checking or savings account

Opened a XXXX XXXX Checking account XX/XX/year>. Made cash ACH deposits and subsequently paid three bills. Square paid those bills and then locked the account, requesting " additional information. '' I supplied the additional information, including an image of my ID. After supplying that information, my account was promptly closed, without explanation. Square is now saying that I have to wait 90 days to get the refund of the money that they are holding. 90 days is unreasonable and without justification. Please provide an immediate refund.
Product: Credit reporting or other personal consumer reports

15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist//BBT Claim Number XXXX XXXX XXXX XXXX XXXX XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX herald On the evening of the XXXX I was drugged and consequently robbed of my wallet, phone and several belongings. My credit cards were used including the Truist card. When I came to my senses and reported the incident to the bank I was informed I reported this too late and that I was careless with my account PIN. I believe the people who robbed me were able to get access to my phone and access my accounts using my finger print as I was blacked out. This was reported to the XXXX XXXX when they broke into my room, after it was reported I was missing. I have contacted the bank several times about this matter and I am out of options at this point.
Product: Credit reporting or other personal consumer reports

As a U.S. citizen, I have a right under the law to use XXXX to obtain a free version of my XXXX, Experian, and XXXX credit reports. Experian is engaged in blatantly criminal misconduct, see recently closed CFPB COMPLAINT ID XXXX where they took no action to remediate my ongoing issues. Per my attached screenshot, this technical configuration issue continues to recur. I will continue to filing new CFPB tickets until this is resolved or Experian is permanently barred from participating in the consumer credit report industry for reasons of gross misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX  once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
Product: Student loan

Never notified of loan changes payments were not the processed right never gave copy of loan or payment receipts they put me in repay agreement doubled my payoff and interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified several times that I no longer have an auto loan balance with XXXX XXXX XXXX XXXX due to my auto loan being paid in full on XX/XX/2021. However, the auto loan from XXXX XXXX XXXX XXXX is still listed on my credit report as if I still have a current loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian in XX/XX/2020 and they did not respond to let me know they deleted the fraudulent collection accounts. It has been more than 30 days and I need these last 2 items removed, XXXX and XXXX has complied already. I am filing a second complaint again experian because they have taken more than 30 days again. Today is now XX/XX/2020 and I just had my daughter but I am under a severe amount of stress because Experian is not following my rights as a consumer again. Please help me!
Product: Credit reporting or other personal consumer reports

Equifax, has an inaccurate and incomplete XXXX account on my consumer report. The inaccurate reporting of the XXXX XXXX  account on my credit report has negatively impacted my financial well-being, the information reported is not reflective of my financial history. The misreporting violates the FCRA standards, and I demand the immediate removal of this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

On Experian " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, one on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.
Product: Checking or savings account

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX during this time somebody gained access to my personal information and begin to fraudulently use my credit cards and bank account. I Went to my local branch and informed customer service that my account had been fraudulently withdrawn. The bank informed me that they would do an investigation and told me to inform my local Police Department. At this time my account was negative I paid the negative balance and brought the account back to good standings. And waited for the results of the investigation to see if the transactions would be reversed. From that date until current Im still waiting for results ; Ive tried to reach out to the bank several more times and I completely get the runaround and transfer from department to department.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding TransUnion Improper Deletion of a Closed Account in Good Standing To Whom It May Concern, I am submitting this complaint to request an investigation into XXXX  improper deletion of a closed account in good standing from my credit report. Specifically, TransUnion removed my XXXX XXXX credit card account, which was an essential component of my credit history. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete credit information. 
The deletion of this account undermines the accuracy and integrity of my credit report and negatively impacts my credit profile. As a closed account in good standing, this account should have remained on my credit report for up to 10 years from its closure date.The deletion year for this account is XXXX. TransUnion has failed to uphold its obligation to report accurate and complete information about my credit history. 
I am attaching screenshots and supporting documentation for your review. These include : A record of the deleted XXXX XXXX accounts removal. 
Correspondence with TransUnion requesting clarification and resolution and restoring my account. 
I request the following actions from your office : Conduct a thorough investigation into TransUnion handling of this matter, including their decision to delete this account. 
Determine whether this behavior is part of a broader pattern of failing to maintain accurate and complete credit information. 
Take steps to ensure TransUnion restores the deleted account to my credit report and complies with the FCRA moving forward. 
XXXX actions have caused significant frustration and concern. I trust that the Consumer Financial Protection Bureau will address this matter promptly to prevent further harm to myself and other consumers. 
Thank you
Product: Debt collection

I have requested proof of ownership or assignment from this creditor, validation of debt FDCPA 15 USC 1692G from this debt collector, detail history of payment, copy of the original agreement, proof of compliance with state laws, prove that the debt has not expired due the statue of limitations, proof of reporting accuracy Under FCRA, authorization to collect debt, cease reporting, if not validated, proof of written communication, debt cancellation. I sent all request to the creditor via certified mail, and I have not received any response from this company. I sent all correspondence to the credit bureaus to show that this company has not complied, and that they are reporting an accurately based on the fact that I have proved that I do not owe this debt to this creditor the credit reporting agencies Responded back by saying the debt was verified. There is no verification and I have not been provided any verification and no one has provided me verification of this debt since they added it to my credit report in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Checking or savings account

We are remodeling our home with a Home improvement general contractor. contract calls for payment in multiple phases. My wife and I received the invoices for the first two phases via the business email of the company 's controller. Payments for first two phases were completed using Chase ' Bill pay where Chase mailed a cheque on our behalf to the Business address. 

Shortly after the third invoice, my wife got an email from the same Business email address asking her to use a different bank account and routing number. We emailed back for confirmation and went on to set up the account for online fund transfer. This required the Business email verifying two small deposits. I then transferred the invoiced amount and promptly got a paid invoice.

Two weeks later, the contractor followed up for payment. When I told them its been made via online payment, they replied it they had not sent the oak account details and it was likely a scam and that I still owe a balance. After talking with them, I understand that I was a victim of a Business email compromise scam ( https : //www.ic3.gov/Home/BEC ) After recognizing this as a scam. I called Chase first. They told me that the transfer had posted to the other bank and I should reach out to the receiving bank. I then called the receiving bank to restrict the account. They confimed that they have restricted the account and still have some funds left. They instructed me that I should get my originating bank to send a Hold Harmless and Indemnity Agreement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As my originating bank, Chase has however has refused to request for a reversal of the funds. 

On XX/XX/XXXX, I received an update from Chase that " No action will be taken. '' and when I reached out to the escalations department I received an update on XX/XX/XXXX that " We found that the transaction ( s ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. '' The above update didn't make sense to me because I had already agreed that the transaction was authorized by me and was not requesting Chase to pay me back for the amount I had transferred. I was only requesting that they make a recovery request as suggested by the receiving bank When I reached out the receiving bank, they informed me that Hold harmless and Indemnity agreement from the originating bank is the standard procedure when a transaction is recognized to be a result of a scam. This is also corroborated by the advice from FBI / Internet Crime Complaint Center ( IC3 ) which states " Contact the originating Financial Institution as soon as fraud is recognized to request a recall or reversal as well as a Hold Harmless Letter or Letter of Indemnity. '' Hence at this point, I am seeking the CFPB 's help with this request as I am worried that the restricted account may get unblocked and funds withdrawn while I am trying to get the help from my bank.
Product: Money transfer, virtual currency, or money service

Iam filing a complain i against Cash App ( Block , Inc. e to it XXXX ( XXXX ) ustomer 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 process a XXXX unfair and deceptive, as theyXXXX nor 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 these violated actions
Product: Credit card

Fraudulent charges from XXXX was placed an on my Capital One credit card ending # XXXX. I contacted the merchant to get them to remove the charge for a service that I never had access to nor authorized the purchase. They told me over the phone unless I dropped the dispute with my credit card company they could n't reimburse me. The credit card company advised me not to drop the dispute and they would contact the company. 

Capital One contacted me by letter and told me to provide documentation including invoices, receipts, and cancellation. Subsequent to my complaint to XXXX they sent me a cancellation for a service that I never had. I provided that document, the only document that I had which was transmitted by email. 

XXXX " XXXX '' XXXX is a third party billing agency for the XXXX security software which charged my card. Capital One continues to tell me that they ca n't help me with the dispute because I ca n't prove the charge is fraudulent. I have written and submitted two letters which explains all this yet they continue to refuse to investigate my complaint. 

I want Capital One to resolve this fraudulent chard through their own investigation instead of make me do their work for them by insisting the I provide they with documents and information that I do n't have.
Product: Checking or savings account

I had an account with navy federal credit union for XXXX to XXXX I stopped receiving check to the account because every time I looked I was in the overdraft
Product: Debt collection

Direct Recovery Services called my place of employment on XX/XX/XXXX from telephone number XXXX at XXXXXXXX XXXX. and today, XX/XX/XXXX, at XXXX XXXX. from telephone number XXXX. They also sent a spam e-mail to my work e-mail address. They are calling regarding debt that dates back to at least XXXX. In addition, they sent out an individual to my parents address to try to collect said debt when I did not even live at that address
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated immediately.
Product: Debt collection

This is the second time I have sent out a complaint about this account that I have already paid off. This account needs to be removed and deleted from my credit report due to the debt being paid in full, the following account is listed below : CAPITAL ONE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission.

I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report. 
XXXX, Equifax, and XXXX have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX Law Office , XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC