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

I submitted a dispute with Experian for the company XXXX XXXX. They received the dispute on XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : If you file a dispute to correct what you believe is an inaccuracy on your credit report, the credit bureau you notify must complete an investigation within 30 days ( or 45 days in certain circumstances ), according to the U.S. Fair Credit Reporting Act.
Product: Debt collection

Hi There, I 've received 3 letters from a " Credit Protection Association L.P. '' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they 're collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

My HIPPA rights have been violated. Wakefield and Associates sent me a validation of debt which included procedures and medications received without any HIPPA release form. I have not signed any HIPPA release form with Wakefield and Associates. In addition the personal medical information was seen by an unauthorized 3rd party who was unaware of any of the procedures that were performed. I have a copy of the statement sent and Wakefield and Associates should have a copy as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXXXXXX XXXX And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 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 was contacted by personal phone and email. Then, without my giving it to XXXX XXXX, and without my permission, he proceeded to call me at my place of work and email my work email. I contacted the original business I when indebted to and made payment and payment arrangements. He emailed me again. I told him that I had made payment and arrangements for further payment with XXXX ( the company I was indebted to ) and that I was handling it through them. He continued to email me saying there were no payment arrangements made. I responded telling him again that I made payment and XXXX told me I could make another in a couple of weeks and that I was not going to discuss it any further with him and to remove me from their contact list or that I would report him. He emailed me again trying to tell me they have no payment arrangement set up with me and that I needed to send him proof by the end of business day. I blocked his emails and called XXXX and reported the matter and they said they would contact him and tell him to stop. THIS WAS TOTAL HARRASMENT even AFTER I made payment and worked it out with XXXX.
Product: Debt collection

This company is attempting to collect a debt which there is no valid signature or a valid contract to showcase any debt to be demanded
Product: Debt collection

I received this report in my credit bit XXXX dont know about it, my they used my information with other person or other person stolen my information put false information, so this report dont belong me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX : {$2000.00}
Product: Mortgage

My mortgage was with XXXX XXXX XXXX XXXX. It was transferred without my approval to Fifth Third Bank. I received a letter in the mail on XX/XX/XXXX telling me the mortgage was transferred and to go online and create an account. I went online to do that and it said that I was unable to register and to call in. I called 5/3 on XX/XX/XXXX and they said the mortgage was not set up yet in the system and to call back on XX/XX/XXXX. To be safe I waited until XX/XX/XXXX to call back. They informed me that my cell and e-mail were not correct on the record. They updated my cell and said to wait 24 hours to call back to do a text verification. To be safe I waited 48 hours and called back XXXX XX/XX/XXXX where they told me it would take 14 days to activate text verification. I asked to speak to a supervisor who said she could not help me. After I asked for my mortgage to be transferred back she hung up on me. So three calls in and I can't register my account and pay my mortgage. I know I have a 60 day grace period but the process and customer service is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX  ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
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 violates the Consumer Financial Protection Act ( CFPB ). Specifically, Cash App failed to take action in a timely and or 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

i was granted unemployment and was told i had to usethis bank to get my benefits. i saved {$220.00} from prev biweekly claim to pay my rent. on XX/XX/XXXX XXXX XXXX my benefits hit for {$680.00} bringing my balance to {$900.00}. At XXXX XXXX on the way to my job i stopped at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX pa XXXX and used gas pump the zip code control was n't working so i had to use my pin #. at XXXX i used the card at XXXX XXXX on XXXX XXXX XXXX in XXXX pa heading to XXXX pa where my new job is.on my lunch break i went and purchased lunch at XXXX XXXX on XXXX XXXX in XXXX Pa. From XXXX XXXX to XXXX est i was on the clock at work as a bill collector. at XXXX XXXX i received a text message that my funds went from {$870.00} to {$7.00} stating i just used card at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX nj for {$200.00} {$100.00} {$100.00} {$100.00} {$100.00} {$10000.00} {$10000.00} ans {$42.00} all withing 2 minutes. i immediately texted help and was given XXXX to call and make a complaint. I called advised them i only have one card and how could this have happened.They faxed me dispute form to my job XXXX fax # i filed out form and sent one page letter faxed back from my job with my job letter head about how i was a victim of fraud and needed help. Once i was notified 2 days later that the claim was put in the rep advised me no police report was needed because i had no clue who done this to me.i also advised the rep i could have my hr department fax my hours down to the minutes and they stated it wouldnt help my claim.i called daily for help because now im 2 months behind on my mortage .different reps refused to put manager on line just kept telling me after 10 days the funds will be back on the card. I still called everyday anyway to hear everything was fine just give them the 10 business days.after the 10 day i called and advised manager that the money didnt hit she told me it will hit by XXXX XXXX on XX/XX/XXXX when money didnt hit i called and demanded a manager. I was then told my claim was ruled as not a mistake and the claim was dropped. I begged for help and was told it was nothing they could do just wait for the paperwork of how they came to the result. please i need help
Product: Debt collection

On XX/XX/2016, this debt for {$98.00} appeared on my credit report. I have no knowledge of this debt and why they frivolously put this item on my credit. This item is unverified and has not been validated by me or my consumer rights attorney. This company did not send notice that item would be placed on my credit before letting me have the opportunity to verify that this item is even mine or belongs on my credit.I have never even heard of the original creditor to which is listed. I will sue if this item is not removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Washington, DC Subject : Aggressive Complaint Regarding Equifax 's Inadequate Response Dear CFPB and FTC, I am writing to express my extreme frustration with Equifax 's handling of my request regarding inaccurate information on my credit file. I have received more stall letter from Equifax, stating they can not locate my credit file or are requesting unnecessary additional identification. This ongoing issue has become intolerable.

Equifax 's repeated requests for further documentation are not only unreasonable but also a blatant delay tactic. I have already provided them with the necessary information, and their inability to process my request in a timely manner is unacceptable. It feels as though they are deliberately obfuscating the process to avoid addressing the inaccuracies on my credit report. 

Furthermore, I demand the immediate removal of the XXXXXXXX XXXX XXXX XXXX account from my credit report. This account is erroneous, and I have provided ample evidence to support my claim. The continued presence of this account is causing significant harm to my creditworthiness and financial stability. 

I urge the CFPB and FTC to take swift action on this matter. It is imperative that you hold Equifax accountable for their lack of responsiveness and the undue stress they have caused me. I expect a prompt resolution to this issue and anticipate your assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX CFPB I RECEIVE THESE STALL LETTERS EVERY WEEK, THEY COME DOUBLE, THIS IS CRAZY.
Product: Checking or savings account

I have sapphire checking account with chase, previously private client for so many years, my money is in the self-direct investment account with chase, for a initial asset of XXXX dollars, more than XXXX which is the requirement of Chase to waive the monthly fee for XXXX checking account. 

Due to the pandemic market downturn, I experienced big loss on the investment which the balance had dropped below XXXX, without any notification, Chase start charging the checking account monthly fees for XX/XX/2022, and I started realizing that on XXXX. They were only able to refund a one month fee. 

I can not accept that due to the market downturn, the bank charge more on the customer, investment loss is not consumer 's fault, and we did not getting any notifications regarding the fee going to be charged. 

After I noticed this issue I immediately downgrade my account to premium checking. But as a client with Chase for that many years, I believe Chase should not charge the fees for that many times to load more pressure on consumer during pandemic market downturn.
Product: Mortgage

I had XXXX loans with Citi, a XXXX mortgage with Citi Mortgage and a XXXX ( HELOC ) with Citi Bank ; at the end of XX/XX/XXXX I had lost most of my income and business, my house was deeply underwater, and I applied for a re-structure of both loans, which were both assigned to the same loan counselor at Citi. At that time I was unaware that the HELOC described a farm property which I owned adjacent to my home, and not my home. Ultimately the loans were both re-structured, but the payments were not substantially reduced ; I could not make the payments and had to move -- I offered a deed in lieu of foreclosure, but Citi chose to foreclose the XXXX mortgage. In the process of re-structuring the loans, I had discovered the error in the HELOC description, and had requested a corrective security deed ; that request was referred to Citi 's " research '' department, which never responded. After many attempts to get the error resolved, in XX/XX/XXXX, I filed the attached Affidavit in Aid of Title ; in XX/XX/XXXX, I finally reached Citi 's foreclosure attorney and explained the problem ; he promised to " look into it and get back to me '' ; I followed up with the attached detailed written explanation, plats, the affidavit and copies of the XXXX mortgage instruments -- neither the attorney nor any of Citi 's representatives ever fixed the problem or got back to me. In XX/XX/XXXX Citi sued me on the full amount of the HELOC note ( and not the re-structured amount ) using the same law firm I had originally corresponded with. In my response to the suit and other filings I once again asserted that the lien was on the wrong property, but Citi has never corrected the error, I assume in an effort to gain advantage in their lawsuit. It is fundamental that a Home Equity loan can only be on a home, Citi knows that better than anyone, yet they continue to take advantage of an error that they are legally responsible to correct.
Product: Debt collection

Despite providing evidence of identity theft and taking all necessary steps to rectify this matter, your bureau persists in reporting these fraudulent accounts, causing severe damage to my creditworthiness. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
XXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
It has come to my attention that your bureau continues to report multiple fraudulent accounts on my credit report, despite my diligent efforts to address this issue. I am bewildered as to why your bureau is not taking similar action to rectify this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my credit score but also exacerbates the emotional and financial distress caused by identity theft.
Product: Vehicle loan or lease

Exeter finance has used several hostile formats of communication and purposely left me without excess to my account information for the vehicle they are in charge of financing. I have called multiple times attempting to update my personal contact information as to phone number as well as to receiving bills to my old and new home address. When calling into exeter they have been argumentative and outright refused to update my contact information as well as provide me with the billing and finance details of my car loan. At this point since exeter refuses to obey the federal and state guidelines on this matter I have consulted an attorney and will be proceeding with service in that matter soon.
Product: Debt collection

The Creditor and myself went to court on XXXX for the XXXX XXXX XXXX XXXX Case No XXXX and the plaintiff did not show up to the in person case so it was dismissed by the court. I am not seeking to have the claim removed from my credit report because the company forfeited the right to legal action by not showing up to court. It has not been almost 2 years since the court hearing and I am still dealing with this creditor.
Product: Bank account or service

Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXY Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX
Product: Debt collection

I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
Product: Student loan

Sallie Mae is the epitome of a company that the CFPB is supposed to protect borrowers from. Their interest rates are exorbitant ( borderline predatory considering a high percentage of borrowers are under the age of 21 ) and their " options to help '' the borrower will only leave you out of significantly more money than you were initially paying. I needed private loans because of a lack of assistance from the federal program, and having to pay for school by myself ; now I realize that I would rather have not gone to college than deal with Sallie Mae post-graduation. Their coronavirus response is nothing short of abysmal considering they are offering one month of forbearance while interest still accrues- leaving borrowers effected by this virus with an increased monthly payment. The entire coronavirus issue is completely out of borrowers control and they will be the ones footing the bill instead of a company with XXXX XXXX dollars in assets. My income is being effected by this and now I will be the one who gets hit the hardest because Sallie Mae lacks any sense of Corporate Social Responsibility. What this company is doing to borrowers is plain wrong and they will end up bankrupting borrowers rather than taking some initiative themselves. The greed of companies like Sallie Mae are unmatched by any other aspects of society and per usual they will be allowed to get away with whatever they please as they are a private lender. As somebody who works full-time with multiple part time jobs and is barely able to make payments I know a majority of people are in a much worse position than I am and even I am struggling. Allowing companies like Sallie Mae continue to thrive off others suffering is plain wrong and they will bleed borrowers dry until there is nothing left.