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

I sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX - Collection Account XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX XXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX  XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 loss, and I seek appropriate redress for these violations.
Product: Credit card

I write to follow up on Complaint No. XXXX of XX/XX/XXXX which remains without a written response from Barclays, and now it appears Barclays has taken action which puts my health insurance coverage at risk. I have repeatedly called the direct line included in Barclays letter of XX/XX/XXXX and have been unable to speak to anyone despite the now urgency of the matter. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. Barclays has gone back and forth between temporarily reversing such amount and then reapplying it to the account. Since my last complaint of XX/XX/XXXX, it appears that Barclays contacted the merchant, cancelled its original XX/XX/XXXX payment to the merchant, and then paid the merchant an amount {$280.00} less than the original payment amount all of this without my knowledge, consent, nor any communication with me. Now, the merchant is contacting me for payment of the {$280.00}. Thus, I am still being overcharged in the amount of {$280.00}, since I paid Barclays an amount of {$280.00} above the amount which Barclays paid the merchant. The merchant happens to be my health insurance provider. Thus, Barclays now has put my health insurance coverage at risk. 

When Barclays explained in its XX/XX/XXXX letter referenced-above that its contract stipulated a XXXX  % foreign transaction fee and provided me with a copy of such contract, I proceeded to pay the approximately {$400.00} fee which I had originally questioned even though I found it very excessive. I mention this, because ( i ) it was a second issue included in an earlier complaint, and ( ii ) as example of an issue that was resolved once Barclays provided information in response to my complaint. 

Since XX/XX/XXXX, Barclays has not yet been able to provide an explanation of the apparent overcharge. I simply do not understand how I charge one amount on my account and Barclays charges me {$280.00} more. Nor do I understand how in its effort to handle this matter, Barclays now reverses the XX/XX/XXXX transaction with the merchant to now pay it {$280.00} less than the original payment, while Barclays received a higher amount from me. If there is an explanation for this, I ask that Barclays provide it. If there is no explanation, then Barclays should correct the overcharge. 

Lastly, I reiterate how extremely difficult it is to have any communication with or response from Barclays. Since XX/XX/XXXX, I have been attempting to resolve this issue. I am very interested in resolving it once and for all and closing my account with Barclays as soon as possible. 

Thank you.
Product: Payday loan, title loan, or personal loan

Account # XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to you today in hopes of resolving a critical issue I am currently facing with a financial institution, Grain. Their recent action, or rather lack thereof, has negatively impacted my financial profile, and I am finding it difficult to rectify this situation without your valuable assistance. 

Several months ago, I had a charge-off on my account with Grain. After numerous discussions and negotiations, we mutually agreed that upon receipt of my payment, they would delete this charge-off from my credit profiles. I promptly made the payment as agreed and was under the impression that this matter was resolved. 

However, I was recently made aware that this charge-off remains on my credit reports. Despite my numerous attempts to communicate with Grain and sort out this issue, I have been met with unresponsiveness and a lack of cooperation. This is causing significant strain on my personal finances and overall credit health, as the presence of the charge-off continues to negatively impact my credit score.

I kindly request the Consumer Financial Protection Bureau 's help in this matter. I am seeking your intervention to compel Grain to honor our agreement and remove the charge-off from my credit profiles. I have attached all relevant documents, including our agreement and proof of payment. 

I understand the Bureau 's commitment to ensuring fair treatment for consumers in the financial marketplace. As such, I am hopeful that with your intervention, this matter can be resolved promptly and fairly. 

I appreciate your time and consideration in this matter. Please feel free to contact me at your earliest convenience if you require additional information or documentation. 

Thank you for your assistance in this matter. 

Ive attached files of my interaction with grain.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the ongoing and persistent failures to remove fraudulent items from my credit report. Despite multiple attempts to address and rectify these fraudulent entries, my credit report continues to contain information that is both false and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that unequivocally demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to underscore that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been paying monthly to XXXX on a closed account however they sent me to collection agency anyway. I have not even received a bill from collection agency as of yet to even have info to send a payment and just paid {$100.00} to XXXX in XXXX. This collection agency calls me XXXX times a day using various numbers. I have spoken to them advised I had been paying an amount each month that I could afford although I am out of work due to illness. Agent advised the amount I was paying was not enough and they would continue to aggressively seek a higher amount. I 've asked they stop calling because I was aware and paying what I could. They advised they would continue to call everyday until I set up a payment plan that was significantly higher than what I can afford at this moment!
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

GAVE NOTICE ON XXXX XXXX XXXX AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XXXX XXXX XXXX  DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. 

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Product: Debt collection

Wilber and Associates keep calling me leaving messages, sending letters that I owe money for a motor vehicle accident that never took place.

They have not provided any type of documentation of damages done, or police reports, receipts of fixed damage and a release of any future liability.

I sent the letter to my insurance and there is nothing on record of any accidents.
Product: Credit reporting or other personal consumer reports

I am requesting the deletion of account COLUMBIA DEBT RECOVERY DLOGSEXXXXXXXXXXXXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. OLUMBIA DEBT RECOVERY is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account OLUMBIA DEBT RECOVERY from my credit report immediately.
Product: Debt collection

Received a letter from CMRE Financial Services for medical debt I do not owe.
Product: Credit card or prepaid card

I signed up for a Bank of America XXXX XXXX Master Card. I  specifically asked the flight attendant who was selling the cards for BOA if there was an annual fee. She said no. BOA charged me a fee. I called BOA on XX/XX/20 and after spending approximately 35 minutes the agent said that BOA would not waive the fee and the only way for them to do so would be for BOA to close the account which would adversely affect my credit. I asked to speak to a supervisor and the agent said no. I asked to speak to XXXX XXXX, CEO, and the agent said no. She said that any escalation of the issue would reflect poorly on her. I said that I empathized with her, given that BOA put me in the exact same situation. She declined to provide her name or an identifying number for the call, other than to say that she is in West Virginia. She then transferred me back to the number that started the process. BOA must refund the {$59.00} annual fee immediately and stop the deceptive advertising and stop silencing customer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFPB complaint ( # XXXX ) detailing how Upgrade, Inc. incorrectly reported a missed payment for XX/XX/XXXX to my credit report. Upgrade admitted the error, apologized, and sent a letter to the credit bureaus advising them of the error. 

However, in the reporting cycles since then, they once again, started reporting the incorrect missed payment for XX/XX/XXXX. I disputed the missed payment with XXXX, who contacted me to let me know that they would not be correcting the information on the report. 

I have ONCE AGAIN attached my screenshots and correspondence from Upgrade noting the incorrectly reported missed payment and their apologies. Please please please let this be the last time of me dealing with this and fix my credit report!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

ATTENTION TO PORTFOLIO RECOVERY I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company PORTFOLIO RECOVERY in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Student loan

Hi im reaching out because I have never went to this school, i asked for the original contracts and paperwork with my true signature, contract anything. instead i received a blotted out promissory note with electronic signature on file that i never gave consent. I have sent in 3-4 dispute letters to gc service collection agency asking for the papers with my true signature and they never produce it. however i have a XXXX. sent to my employer to have my wages garnished which is unfair because i have cooperated with GC services. can you please investigate this matter i have reached out to the apollo helpline that is with XXXX international school and department of education but they all are asking for my true signature that i refuse to give until see some paperwork that i have signed, i called my local police department and they said that there is nothing that they can do without some paperwork. please help thank you in advance.
Product: Prepaid card

I have documentation to prove that XXXX, fro. XX/XX/XXXX till XX/XX/XXXX edd benefits program online/edd et, al., and bank of america , XXXX XXXX XXXX  1. Hyjacked my idenity, maliciously stolen my idenity Have used XXXX of my personal gmails and my XXXX XXXX edd benefits program ( myedd ) accounts to chage my passwords usernames, from XXXX XXXX XXXX until current hyjacked chrome passwordsand user content. Kept ope accounts they have repeTedly change my uionline preferences, recieve notifacations. I have evidence proving that my claim history, payment activity, transaction details from XX/XX/XXXX til XX/XX/XXXX doctored and forged, and maliciously put in place to barr me, using my ppi illegally obtained through XXXX XXXX  user content, from XX/XX/XXXX until XX/XX/XXXX edd and b of a a.n. have been monitoring and using my gmails to communicate with eachother and continually collect unemployment pua disater funds and did not change thw transaction amounts back to cover their tracks. I found out yesterday that alot od ths messages in my ui o line inbpx were sabotaged so information that would have help me they helpwd themselvea i ztarted to investigate and noticed chages to amounts then got disconnected fron b of a online acess aswell as edd online acess, once i found the system the method in which there hidding and moving to transcibibg and XXXX XXXX XXXXXXXX  there using to conceal over XXXX.
Product: Debt collection

Paul Michael Marketing reported 2 debts which I do not owe to my credit report without any previous written notice or giving me the right to dispute. Now my credit score is low.

I sent Paul Michael Marketing a certified letter demanding proof that I owe this $ and I have not received a response.