23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called XXXX and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through BRIDGECREST ( a loan servicing company ). I contacted BRIDGECREST to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, BRIDGECREST refused to note/report the account as potential fraud and refused to freeze or close the account. 

BRIDGECREST denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears BRIDGECREST is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Ally Financial ran my credit report without my authorization. I applied for a car loan for lease and I gave XXXX XXXX approval to run my credit report, not Ally Financial. This needs to be removed Thank you
Product: Mortgage

We made a payment on XX/XX/XXXX and received an email confirming the payment. This was for the mortgage payment due XX/XX/XXXX. 

On XX/XX/XXXX, we logged in to make the XXXX payment and saw that there was a past due balance. The payment had been reversed on XX/XX/XXXX. When I contacted Mr Cooper via their online messaging portal, the response I received was that it was reversed due to not being able to find the account number : " Our records indicate that the last payment received on XX/XX/XXXX, was unable to be processed as the account was not able to be located, which resulted in the payment being reversed. '' I submitted a follow up message because we have made a payment with that same bank account before and it's worked fine. In the follow up message, we were told it was due to NSF : " Our records indicate that the last payment received on XX/XX/XXXX, was unable to be processed Insufficient funds, which resulted in the payment being reversed. '' That's also not true. There were sufficient funds. So this morning, XX/XX/XXXX, I called to find out what was going on. We had made a payment on XX/XX/XXXX for the amount that was past due. I made another payment on XX/XX/XXXX for the XXXX payment. I was told that the issue was not due to not being able to find the account number nor due to NSF, but due to an error with Mr Cooper when switching payment processing providers in XX/XX/XXXX. 

For all three payments, I have received XXXX emails stating 1 ) that the payment was received and that 2 ) the payment was posted. For the reversed XXXX payment, there was no email, mail, nor any notification that the payment had been reversed. There was also no email or other notification from Mr Cooper in general that they had issues processing payments in XXXX as this affected every customer according to the service representative I spoke with. When I asked for an email or statement confirming that my account was up to date and paid, the representative stated that she could not do that. 

I expressed to her my concern that we hadn't been notified of the reversal or any payment processing issues. Further, I was concerned that the last XXXX payments on XX/XX/XXXX and XXXX showed as received and posted, but did not show as being processed by my bank, even in a Pending status. She assured me that they showed processed on her side but would not give me an email or a statement otherwise. 

I'm concerned that this could lead to my mortgage going into arrears and potentially being foreclosed upon given this issue and that no payment attempts have been showing with my bank. She did offer to send an email to a response team that may be able to provide me a letter or email stating that my account is in good standing, but that it could take up to XXXX days for that if they can do it at all. 

My complaint then is that 1 ) we were not notified of a reversal of payment so that we could resubmit, 2 ) that no notification was sent to the customers of Mr Cooper that there were payment issues in XXXX, and 3 ) That I can not get confirmation from them other than their word that my account is up to date.
Product: Prepaid card

A few weeks ago I purchased a Visa gift cards loaded with {$500.00}. When I tried to use it, it never works. It declines any attempted transaction. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy and paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times several cards will decline, and will not work even with future attempted purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent evidence to Experian concerning an account I had with XXXX in XXXX XXXX XXXX  showing 31 days late when in fact evidence I sent Experian shows the payment was not 30 days late. Experian refuses to correct the error by XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the 2015 OPM data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year>, I reached out to XXXX in reference to them reporting dispute on my Captial one credit card that I paid in full and was in good standards. 


a Capital One account ( Account Number : XXXX ). The account has been paid in full, yet it is incorrectly reported as consumers request and consumer disputes after resolution. This reporting is inaccurate and is negatively impacting my credit score and ability to obtain a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/year> TrueAccord corporation added a derogatory mark on my credit report ( XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are just as bad as Trans Union. I filed a complaintXXXX. You closed the complaint before Trans Union did anything. Then, Trans Union ignored the complaint and and did nothing. Trans Union is the only credit agency that will not close the XXXX XXXX account that has been discharged and closed in XXXX. My credit score continues to be not as good as it could be because Trans Union will not close the account. And CFPB has done nothing to help me. Thank you for nothing!
Product: Credit card

I tried applying for student house but was denied due to my credit score, I came to find out I had two fraudulent credit cards under my name. One was Portfolio RECOV ASSOC account number XXXX. I got this from XXXX The original creditor is XXXX with a total of {$1200.00}.
Product: Debt collection

A collection account from Convergent Outsourcing has been placed on my credit reports. It reflects XXXX XXXX XXXX is the original creditor, it states the account was placed on my credit report between XX/XX/2019, and XX/XX/2019. It shows this account was opened on XX/XX/2019. I did not open an account with either company on XX/XX/2019, and I dont have an account with XXXX XXXX XXXX and have no knowledge of this account. 

I did not receive prior information from either company prior to this being placed on my credit reports ; otherwise, I would have immediately disputed the erroneous account.
Product: Debt collection

In 2023, I do not remember any dates. I purchased two mobile wifi units from XXXX. The contract agreement clause was clear that to obtain these items auto pay was required, which I agree to. 

For over a year I had no issues. The out of the blue every other month and more frequently my service was turned off. I did not realize this immediately due to frequent business trips and long stays in Delaware and the fact that my vehicle was not being used and the Wifi was not being accessed, However, when I was not traveling, I noticed that my devices were always blinking ; meaning they were not in service. This happens about every month. I was constantly at XXXX trying to get this account sorted out, and many times they had problems accessing the system information on my account. 

This became a monthly occurrence, so much so that I got fed up with the whole process. The last time my units became inoperable I let them stay in that condition and stop communicating because there seem to be no solution to this monthly problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt that Equifax is reporting by XXXX XXXX is not a valid debt. Equifax is, by law, required to reach out to the data furnisher, XXXX XXXX to VALIDATE the debt or to prove that there is a contract that I am legally obligated to pay such company. So far, Equifax failed to obtain any such information from XXXX XXXX. There is a stark difference between what is called verifying versus validating the debt. Equifax, once again, documented that they verified the debt rather than VALIDATING the debt which they are required to request from the data furnisher, XXXX XXXX. It has been over 30 days without me receiving any debt VALIDATION. Equifax is now required by law to remove this account from my credit file because there is no VALIDATION that I legally owe any such debt to XXXX XXXX. I have never heard of or ever dealt with XXXX XXXX and do not have any binding contract with them. I am attaching proof that Equifax is reporting that they verified the debt rather than investigating the VALIDITY of the debt like they are required to do by LAW!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a result of identity theft caused by the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include the following : Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX To facilitate your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report This breach of personal information has caused significant harm, and I expect XXXX to fulfill its legal obligation to protect affected consumers by taking swift and decisive action to address these fraudulent entries. I demand written confirmation that these accounts and inquiries have been permanently removed from my credit report, along with details of any findings from your investigation. 
Failure to act promptly will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure my rights are upheld. 
Please confirm receipt of this letter and provide a resolution within the timeframe mandated by federal law. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting 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 U.S.C. 1681. 
XXXX XXXX  XXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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: Checking or savings account

XX/XX/24 I deposited {$2600.00} into my checking account at my keybank branch ATM at XXXX in the morning. An hour later without my knowledge they reversed the transaction. I found out when I went to go get fuel to get home and my card kept getting declined so I filed a dispute.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No callback option XXXX XXXX XXXX Highest level of management XXXX of management XXXX XXXX XXXX XX/XX/XXXX transferred XXXX XXXX XX/XX/XXXX XXXX said XXXX filed XXXX dispute Called back XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ordered new card XXXX XXXX XX/XX/XXXX TD Bank filed XXXX XXXX and blocked my card with my knowledge. I called and got a virtual card and a manager by the name of XXXX blocked my card. She told me she did not block my account and today a manager told me she did. I am out of town and not close to a branch. I have no cash and the last TD Bank manager by the name of XXXX basically told me to XXXX it up and ordered a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a XXXX XXXX XXXX branch located in XXXX, OR. I originally filed for a business checking account and was approved by using myself as a personal guarantee for the created file. Since the actual product is not on my personal account with the bank this hard inquiry shall be removed since the services are being used for my business.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion.

XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them????
Product: Credit card or prepaid card

I have never been a customer of Capital One. On XX/XX/2023, a Capital One 360 Performance Savings Account was opened using my name, phone number, SSN, old address, and old email address. I received another email that day that my phone number had been updated. On XX/XX/2023, I received an email saying that I was approved for a Venture Rewards credit card and another email saying that I confirmed receiving paperless communication. I never opened up either of these accounts or made any of these updates. I called Capital One to inform them of the situation. They opened an investigation, told me my account was frozen, and told me to contact the credit bureaus. I froze my credit with all 3 major credit bureaus. Today ( XX/XX/2023 ), I received an email saying my credit card was shipped out and on its way to me. I called Capital One back to see why this was happening when I never applied for one, an investigation was going on, and the account should have been frozen. The representative closed the savings account and forwarded me to someone who could close the credit card account. That representative asked for my name, SSN, and date of birth to close the account and then said they were not able to close the credit card account due to " system issues '' and asked me to call back later. I tried calling back 5 minutes later, and a different representative said they need at least 30 minutes. I will call back in 30 minutes. I don't know why both accounts were not closed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a credit inquiry was made on my credit report. I was shopping mortgage interest rates today ( XX/XX/XXXX ) and CREDCO made an inquiry on my credit report. I do not know which mortgage company this is from, but I just wanted to see mortgage rates before making a final decision on which mortgage company to go with. 

There is a chance I missed something in the fine print, but it was not obvious to me as I was just wanting to see the interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I have attempted to resolve issues with XXXX, XXXX and Transunion for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.
Product: Credit card

I had a check that was mailed and it did not get credited to my account until a month and 7 days after I mailed it. I assumed it got lost in the mail. I mailed them a XXXX check and when it cleared the bank, XXXX checks cleared the bank the same day. I contacted the credit card company and they credited interest back. I paid in full each time. The next month, they charged me interest again. I called and they credited interest back. The next statement, I mailed 7 days before it was due. It did n't arrive until 8 days after I mailed. They charged me interest and a late fee. I called and they would not credit back my late fee, because they said I had achieved too many courtesy credits. I cancelled XXXX credit cards I had with this company.
Product: Debt collection

have send a dispute letter to XXXX  and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, NCB Managment and XXXX  XXXX  is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.