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

I have reached out to Transunion since XX/XX/2021. I have submitted my Identity Theft report 3 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place.
Product: Credit reporting or other personal consumer reports

I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my XXXX credit report that I did not authorize to exist. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been removed.
Product: Debt collection

XXXX XXXX contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, XXXX XXXX, anyway. 

I spoke to a XXXX XXXX employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. 

I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to TD Bank and stop calling me. This information was false because they called me several times on XXXX XXXX. 

I am requesting for the CFPB to do their job and help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate Account name : XXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Periodic, {$5000.00} 2017 Unsure of loss as my business, finance, good faith, & credit was attacked financially by a felon named XXXX XXXX XXXX. 

American Express request to provide account records for forensic analysis referred to arsiwebpay.com & a phone number as follows XXXX by virtual voice which is suspicious. 

Account names XXXX XXXX XXXX Cell Phone Repair Requested complete record information
Product: Student loan

Im desperate and hoping you might be able to assist me. I am a XXXX-year-old XXXX mom struggling to put my daughter through college as well as pay off my own grad school debt. I was looking forward to having my debt forgiven under PSLF in XX/XX/XXXX after working in public service and paying my Federal Stafford Loans under the IBR program faithfully since XX/XX/XXXX. 

About a year ago, I discovered that my type of Federal Stafford Loans were discontinued in XX/XX/XXXX,  and the newer type of Stafford Loans are the only ones eligible for public service forgiveness. I had no idea that this was the case, and was never informed of this by my loan servicer, AES. Back in XX/XX/XXXX, the website clearly stated that Stafford Loans were eligible. When I called AES in XX/XX/XXXX, I was told that I would become eligible if I consolidate my loans, but that the clock would be reset and Id have to make another 120 payments before my loans would be forgiven. I immediately consolidated my loans, and they are now serviced by XXXX XXXX. 

I dont know where to turn. Im heartbroken over this, especially after dedicating the past 10 years to public service as a XXXX where I knew I would make less money but would be making a difference in my community. Now I am seriously concerned that I will end up spending my retirement in poverty.
Product: Checking or savings account

OnXX/XX/XXXX, I noticed my account had no money left. I did n't understand why as there was over XXXX XXXX dollars the day before. I reviewed the activity and noticed several charges I never made. I called the bank, they refunded the money of the disputed charges, but yesterday, it happened again. Even though the debit card used to make these charges was cancelled. The bank has let these charges go through twice, and has never called me either time. The card is cancelled, and they still allow the charges to go through. They are not helping me, and I need help. I have no money because of this, I ca n't pay my bills.
Product: Debt collection

Subject : Debt Validation Request Pursuant to the FDCPA and California XXXX XXXXXXXX Dear Portfolio Recovery Associates, I am writing to formally request validation of the alleged debt you have reported under my name, as reflected in my credit report. This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the California Fair Debt Collection Practices Act ( CFDCPA ) ( Cal. Civ. Code 17881788.33 ). 
I do not acknowledge ownership of this debt, and I am requesting that you provide verification of the following information : Proof of Debt Ownership A copy of the original signed contract or agreement that establishes my liability for this debt. 
The name and address of the original creditor. 
A detailed accounting of the alleged balance, including principal, interest, fees, and charges. 
Proof of Your Legal Authority to Collect Documentation proving your company is authorized to collect this debt, including the chain of ownership from the original creditor to your agency.

Your California debt collection license number ( per California Debt Collection Licensing Act, SB 908 ).

Statute of Limitations Verification The date of the last payment made on this account and confirmation of whether the statute of limitations in California ( typically 4 years for written contracts under Cal. Code Civ. Proc. 337 ) has expired.

Additionally, under California Civil Code 1788.17, you are required to comply with all provisions of the FDCPA, including ceasing collection efforts until the requested validation has been provided. If you are unable to furnish this information, I request that you remove any negative reporting related to this account from my credit file and cease all further collection attempts. 
Furthermore, I request that all future communication regarding this matter be conducted in writing. Under 15 U.S.C. 1692c ( c ), you must honor this request and cease further phone calls. If you fail to provide the requested validation, any continued collection efforts will be considered a violation of both federal and state laws. 
If this debt is valid, I also request details regarding any potential settlement or pay-for-delete options. 
I expect a response within 30 days of receipt of this letter, as required by law. Please send all correspondence to the address listed above. 
Sincerely, [ XXXX XXXX ]
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 XXXX as 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 FOUR 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. Mv 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. 
XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported on my account from Spring Oaks. I called the phone # listed and they told me they do not have the account and referred me to another company and phone #. When I call that number it is messaging service that no one answers. I called back to the original number and was provided another phone number to another company who states that they do not have the account. 
XXXX XXXX XXXX I have been trying to get information about this account to resolve it for over two months with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my Equifax credit report. I noticed an account that is severely outdated past 7 years ' statute of date limitations on reporting. 

XXXX XXXX - Account # XXXX XXXX and XXXX are not reporting this outdated account from 2015. 

Please delete it immediately.
Product: Debt collection

Account Names : EXETER FINANCE LLC Regarding the account above XXXX, XXXX, and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. I demand that XXXX, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. My accounts ( apart from XXXXXXXX XXXX  ) have violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 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 shale not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurat
e.
Product: Debt collection

Wakefield & Associates sent a written notice of a medical debt owed. I responded by mail using a tear off from the original notice to request verification of the debt. They have record of receiving my request on XX/XX/2022. As of XXXX XXXX I have not received a response or verification of this debt. This debt collector did not respond within 30 days, however they are still attempting to collect on this debt. I received a notification via text on XXXX XXXX from XXXX stating " This is a notification from Wakefield * Assoc. a debt collector. Reach us at XXXX ''.
Product: Credit reporting or other personal consumer reports

CITIBANK has sent me numerous mails about credit offers with the misspelled middle name in my name. 

I have opted out of all pre-approved credit offers and advertisements.
Product: Credit card or prepaid card

I am very upset as this has gone in since XXXX and as a very good client for over 32 years Amex should not be putting me all of this headache and stress. 
I gave a Dentist {$20000.00} as he asked to be paid up front .It was a big mistake. 
He gave me an estimated treatment plan showing work to be done totaling {$68000.00} on 1st page but we had agreed on {$42000.00} and he circled that on page 2. 
He said he would give me a detailed correct bill all adding up to the {$42000.00}. 
He never did! 
XX/XX/XXXX I discontinued in writing as I realized he was not a good dentist and unprofessional as the very first and only procedure was a tooth extraction in the front of my mouth and it fell out after 2 days .He cancelled 2 appts to fix it in the next 10 days so I could not work or go out with no tooth in front.. 
After I I cancelled the dentist made up fake and fraudulent charges to try to keep most of my deposit!!! 
I only had XXXX {$250.00} XXXX XXXX  {$1800.00} ( based on his own quote ) and 1 XXXX XXXX {$770.00} total work {$2800.00}. 
He should not even get paid for the temp tooth that fell out but I am paying it. 
That is the only amount he is owed for actual work done. 
Then I had to pay for 2 dentists to see me and write reports that cost me an additional {$1500.00} so I could show Amex my evidence and proof. 
I should not have had to do that and Amex should have believed me considering our history! 
I spoke with Amex as its finally being investigated and on my credit card today there still a balance if {$5100.00}. Amex had credited me the rest but they are still investigating the amount of {$6700.00}. 

The amount that I am still owed after what I owe for work done is {$2200.00}. 
{$5100.00} still on my CC- {$2800.00}. work done to be paid to Dentist Bal. {$2200.00} still owed to me. 
If you have any questions about this you are welcome to have a supervisor call me at XXXX. 
Thank you
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for violations of the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Specifically, Cash App failed to adequately protect my account from fraudulent activity and has engaged in unfair and deceptive dispute resolution practices. These failures have resulted in significant financial loss and inconvenience.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent my FTC report, Florida driver 's license to XXXX, TransUnion, and XXXX. I have notified them about fraudulent accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from Capital One Bank. I did not approve this nor have I ever applied for a card through Capital One. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, XXXX, and XXXX. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Credit card service charge turned to late payment on credit score
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

hello, since you responded to my last complaint that my loan is no longer with you - then that means that obviously at one point is was.

therefore, i am requesting AGAIN for any and all documentation you have regarding said loan. 

thank you.
Product: Debt collection

I received a letter To pay a debt from XX/XX/ {$6500.00} They say they will not report it to any credit reporting agencies. 
But they want me to pay it plus send information. 
I must respond by calling writing or mailing to them by XXXX XXXX I am afraid and am innocent.
Product: Debt collection

Navy Federal Why don't you want to work this matter out? I have paid you the entire collections amount and them some. All I want is an understanding of what type of interest you are charging me. I totally get the 12 % annum but I need the break down because this debt balance is way to high. What is the daily interest compared to the yearly and if its the same please provide break down and a copy of the NFCU policy on adding interest? Please provide policy on how defaulted interest is applied when payments are less than original agreed upon payments. Please provide policy on when an account is charged off why don't NFCU send monthly invoices when you still have the defaulted account on your records. Your Attorney is very unreasonable and they don't respond to my questions when asked and in the past neither have you for what ever reason. I want to get pass this once and for all.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. 

Details of Complaint : The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on XXXX. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus.

I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies.

Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute.

CFPA ( Consumer Financial Protection Act ) : Discover 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

Attached you will find a copy of my id, a copy of my social security card, a copy of my most recent bill, a copy of my FTC complaint, a screenshot of the account removed from XXXX and the letter for Experian.
Product: Debt collection

I saw a collection account on my credit from Stellar Recovery. It sates that it is for utilities and not who it is with. I do n't owe any utilities. I sent a validation request to Stellar Recovery and they are not responding to me at all. it has been three months and they still are not responding, but they are still reporting this on my credit. I was never notified by them that this debt even exists or that they were going to put anything on my credit or what my rights are. Stellar Recovery is in violation of the Fair Debt Collection Practice Act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported a loan in my name, which I did not take, for {$500.00}. The loan is currently in charge off and has been delinquent since 2018, per my credit report on equifax, and I have tried disputing it multiple times with no avail. I have never used XXXX  nor have any accounts with them, so whenever I contact them about the loan, they tell me I am not in the system and they can not find validation for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. I contacted Equifax on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. l have attached the Settlement Letter from XXXX XXXX XXXX and a Receipt from USPS for your review.