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

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
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 customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) the customer service inadequates and unfair practices which violates the customers financial protection act cashapp failed to take timely and effective measures to prevent to the recent and address fraud on there platform leaving my account vulnerable and unprotected
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I formally submitted a debt validation request to MRS BPO on XX/XX/2023. None of this information has been provided to me. I also received no notice of my right to dispute this debt. The debt is for {$99.00}. I originally cancelled my services with the original creditor and paid what I thought was my last bill in full. Apparently they attempted to bill me again, but I had changed payment information and moved out of the current residency they were sending bills to.
Product: Credit card or prepaid card

I have had a dispute over a {$170.00} origami purchase for over a month on a foldable butcher block rack that caught my fingers badly. Put the rack back in its box and immediately told the vendor to send a smart label because the product is dangerous. They gaslighted me. I disputed the merchandise and Chase gaslighted me as well. Ive called chase five times and sent XXXX more than a dozen emails. Im glad to return the item but its over 50 lbs. and I am under doctors care when hurt my leg. No one will address the issue. Chase just hung up on me. Their letter of depute was answered with a chase letter than theyre handling and have credited my account. Theyve done nothing and my account is paid in full each month. Its obvious chase dispute department gaslights customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Summit Account Resolution added a derogatory mark on my credit report per XXXX and XXXX. Upon further research, the account was transferred/ sold and I am no longer responsible for the account. A certified Debt Validation letter was delivered on XX/XX/2021 and in response, I received a bill. On XX/XX/2021 a second certified Debt Validation letter was sent. Debtors Creditor did not verify this debt. Also, there was NO written form of communications, contract or signature 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, Summit Account Resolution, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Checking or savings account

Synchrony Bank has been unable to produce my XXXX Statement for my High Yield Savings Account. The statement was mean to be produced on XX/XX/XXXX. It is not available online. After repeated calls to Synchrony, I was told an IT problem was impacting statements since XX/XX/XXXX. I am in the process of getting a mortgage and my inability to secure my statements in adversely impacting my ability to secure a mortgage. 
Synchrony has refused my request to produce a statement for me ; they refused to provide me with a formal statement about the account errors that I can submit to my lender ; they refused my request to release a public statement about the ongoing errors ; and they refused to provide me with a timeframe for when I would be able to access my XXXX bank statement. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all the dresses that Trans Union will not delete off my credit report. These are old addresses and are not current. I need them deleted off my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Applied for a credit line increase, was denied due to not using the card enough. Wanted to do a balance transfer away from another credit provider due to agendas. 

Attempted to contact credit provider to override automated denial only to learn that there is no way to talk to a human to make the determination if a credit increase due to circumstances is warranted. 

There should be a way to talk to a person who can make decisions in this regard.
Product: Debt collection

Portfolio Recovery disingenuously keeps sending correpondence to an address that I haven't lived at in 22 years in an attempt to make sure that I default. 

I've filed and answer, and ensured that I filed and address change with the district courts. They repeatedly disingenuously filed yet another court summons and mailed it to the wrong address to potentially achieve the same disingenuous default. 

I've personally called the creditor and they refused to speak with me referring me to a local Law firm. I've both disputed & asked them remove this from my credit report to no avail. 

The summons states its Portfolio Recovery who request me in court as well as its the same company damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account that appears on my XXXX and Equifax credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another. 

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.
Product: Vehicle loan or lease

I 'm an XXXXXXXX XXXX with an XXXX XXXX XXXX. 

XXXX/XXXX/XXXX While eating lunch, a person started taking pictures of my car. I asked why, he replied " it is n't your car. '' He continued to take pictures, got into his car, and began to leave. I took his picture and license plate number, as I felt threatened. 

XXXX/XXXX/XXXX The CA XXXX informed me someone had paid for my cars registration and the tags had been sent to that person. 

According to my lease agreement I am responsible for that type of payment. 

I 've tried to get in touch with the XXXX XXXX XXXX with the email information they 've given me and the addresses are no longer valid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Customer Financial Protection Act ( CFPA ), 12 U.C.S. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation.
Product: Bank account or service

My PNC account which I never use was overdrawn. I made the ACH transfer of the remaining balance and asked to close the account. They debited my XXXX account on XXXX/XXXX/2016 and it had still not posted it to my account after 3 business days. 

They are piling on overdraft fees while still holding my transferred amount and giving me incorrect phone numbers to resolve this issue.
Product: Consumer Loan

World Omni Financial aka South East Toyota Finance has refused to correct the erroneous error on my credit report indicating that on XXXX and XXXX I paid my monthly car payment 30 days past due. Proof of XXXX payments were submitted to the Collections Supervisor by the name of XXXX XXXX indicating that the payments were made before the 30 days. Despite of the proof of payments XXXX XXXX indicated that they have records which indicate that it was made after the 30 days. I explained to XXXX XXXX that their website indicates that when payments are made on line on their website it indicates clearly that any payments made before XXXX time will be posted to that account holder that day. Those XXXX payments which have been reported showing over 30 days late, were paid before the 30th day which I have proof of. That was submitted to XXXX XXXX as well. XXXX XXXX confirmed that the website indicates such, however they had some type of technical error in their website. This makes no sense to me. What does that have to do with my situation? Their technical errors are costing me money. Do to their mistake I am not able to purchase a new car and obtain a good interest rate. My car payments have always been paid the same for the last 2 years, however they indicate on only XXXX occasions that it was later over 30 days which is incorrect. They took it upon themselves to choose what to report late or not. That is not fair to the consumer. It is wrong. I have spoken to them several times and they refuse to correct the error. I disputed it with the XXXX credit bureaus and they made no change because World Omni Financial indicates that I made the payments after the 30 days despite also submitting this correspondence to the credit bureau themselves.
Product: Mortgage

Mortgage Lender, advertising on FB about availability of rates for different programs. However, the ads are missing key componets of " disclaimers for eligibility, including the loan amounts, the credit score required to obtain these rates and down payment amount ''. Additionally there are no NMLS # s listed for the Lender or any specific Originators. All of which appear to be a violation of https : XXXX A consistent and ongoing concern with this Lender, polluting the market place with potential falsehoods.
Product: Debt collection

XX/XX/year> FAIR COLLECTION AND OUTSOURCING they say I owe XXXX I am not liable for this debt and I requested the original contract with my signature they failed to do so I had it removed but they continued to keep putting it back violating my rights under law 15 usc 1692c ( c ) clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete all illegal items and accounts from my credit reports. I am currently locked out of my Equifax account and currently can not list items.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 442644**** 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 an account without my written instructions.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Mortgage

my father passed away in XXXX with no will my family hired an attorney and did a succession in XXXX all his assets went to all of his kids we was never contacted by green tree lending company that my father had a mortgage with their company I found out years later the couple living in the house told me the mortgage payment is in my fathers name still. I contacted the company and sent all information need they said they knew he was deceased but would not give me any information about the loan said I was n't on the list to receive any information even though I 'm his son.
Product: Credit card or prepaid card

Yea my money was put on Venmo money from car wreck and playing with my money over 1100 fruadulent activitys just give me my money in part ways
Product: Debt collection

Account # : XXXX Reference # : XXXX I mailed a letter ( certified via USPS ) on XX/XX/2019. It was delivered to the company on XX/XX/2019 at XXXX XXXX. I mailed a 2nd letter ( certified USPS ) on XX/XX/2019. It was delivered on XX/XX/2019 at XXXX XXXX. The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. Equifax has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.
Product: Mortgage

I was a loan officer for XXXX  years but I quit because every company I worked for was dishonest. I never would have picked Wells Fargo but they bought my loan a month after it closed. I could only afford XXXX  % down so they manage my escrow account and my loan closed way back in XX/XX/XXXX but my escrow accounts were paid early in XXXX  of XXXX which took several years for Wells Fargo to fix and I probably should submit a complaint about that as well since I got charged a month earlier than required. It has been fine until now and Wells Fargo just sent me a threatening letter to do forced place insurance. I looked it up and my insurance company is showing it was paid by Wells Fargo and I got the XXXX page and submitted it to Wells Fargo. They haven't responded yet but I want to make sure they correct this fraudulent behavior since I don't trust them at all and I really wish they had never bought my mortgage since I've had problems with them in the past.