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

My problem with equifax started 6 months ago. They were reporting a fraudulent account, by XXXX XXXX as 3rd patty COLLECTOR. XXXX XXXX as original furnisher of debt. I knowing I do not owe neither of these companies, I got a police report I made a affidavit of I'd theft because many other things were on my report that was not mine from XXXX and XXXX. They all took it out. Equifax refuses although they got all legal Info they requested. I received a receipt from XXXX XXXX proving account is closed and I do no5 owe them or XXXX. I sent that to equifax 2 MONTHS ago. I sent it again 30 days ago. I need them to do the right thing. Please delete this is not my account. This is my last attempt to rectify I can not get my place to stay because of this. I did all I was asked. Equifax have been know to obstruct and not follow the fcra gives them 30 days to reinvestigate. It's been way over. I called them yesterday and they said this should be deleted within 24hrs. Still not deleted. I'm gon na be homeless and I need this rectified so u can get this apartment. I show all the proof and phone numbers to furnisher of debt. They know irs fraud. Please act promptly, this has injured me and I need help.
Product: Debt collection

On XX/XX/2022, I contacted ARS Account Resolution S, by mail with an affidavit for validation. I asked for validation of this debt and method of verification, because this is not my debt at all. I have a very common name, and my credit report is suffering because of this. I asked them to remove this from my report, and they have not. The amount owed is {$1200.00}. They sent me a letter back with a name amount owed and account number. They did not validate this was my debt or give their method of verification. Its been over 30 days, and I am requesting this is removed off of my credit report via section 611 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account has never been late ... 

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Checking or savings account

XX/XX/2023 I received the following email from chime member services : Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2023. 
If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed. 
If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2023, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 
Sincerely, The Chime Team - I immediately called them but was told by multiple agents that there was no specific reason to why my account was closed and that any funds would be mailed to me in a form of a check. 
I even contacted them via email to get some more information on why this was happening and I still havent gotten a response. I am locked out of all of my funds and now dont even have money to buy groceries or to pump gas so I can get to work.
Product: Money transfer, virtual currency, or money service

Using cash app I cant login in my old account I had a large amount of funds on there they dont have a number to contact them and I keep getting the run around over emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, experian, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to Transunion to investigate 2 bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all 3 consumer agencies, Transunion, XXXX, and XXXX responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that Transunion, XXXX, and XXXX stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my Transunion, XXXX, and XXXX consumer reports. I sent Transunion, XXXX, and XXXX a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all 3 consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all 3 consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.
Product: Credit reporting or other personal consumer reports

I have been getting hard inquiries on my credit and also was charged for a car that I had received finance from the dealership and when It was reported stolen they found it and sold it at auction and are charging the full amount.
Product: Credit reporting or other personal consumer reports

Dear Experian Team, Thank you for your response dated XX/XX/year>, regarding the dispute I submitted on XX/XX/year>, through the CFPB Complaint Portal. While I appreciate your efforts to review my concerns, I am writing to challenge the method of verification used in this instance and to request further clarification in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, I respectfully assert that the method of verification employed by your public record vendor may not be compliant with the stringent requirements outlined in the FCRA. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation to verify the accuracy of disputed information. The method of verification must be thorough and involve direct communication with the source of the informationin this case, the public record custodian or the court itself. 

It appears that your process relied solely on the information provided by a third-party vendor, rather than directly verifying the information with the court where the bankruptcy was filed. This indirect approach may not meet the FCRA 's requirement for a reasonable investigation. Therefore, I request a detailed explanation of the exact steps taken during the verification process, including whether Experian directly contacted the court that maintains the public record. 

Additionally, under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. Please provide me with a comprehensive description of the procedures and methods used by your public record vendor to verify the disputed bankruptcy information. 

Furthermore, the FCRA requires that credit reporting agencies maintain accurate and complete records. Given that the verification process appears to have been insufficient, I urge Experian to re-investigate this matter by directly contacting the court where the bankruptcy record was filed to verify its accuracy.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX XXXX - Account # : XXXX - Balance : {$240.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$5100.00} Company Name : U S DEPT OF EDXXXX - Account # : XXXX - Balance : {$0.00} Company Name : U S DEPT OF ED/XXXX - Account # : XXXX XXXX Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - XXXX XXXX {$2300.00} Company Name : XXXX XXXXXXXX XXXX XXXX. - Account # : XXXX - Balance : {$610.00} Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$2200.00} Company Name : XXXX XXXX XXXX  Account # : XXXX - Balance : {$2200.00} Company Name : XXXXXXXX  - Account # : XXXX - Balance : {$1000.00} Company Name : XXXX XXXX  - Account # : XXXX - Balance : {$1600.00} Company Name : XXXX XXXX XXXX XXXX - Account # : XXXX - Balance : {$0.00}
Product: Mortgage

Since XX/XX/2022, I have communicated with several support employees at XXXX XXXXXXXX via the ticket system, emails, and calls on more than XXXX different attempts to receive the proper documents for a mortgage assumption. On each occasion I have been told misleading information and incorrect procedures, however each time Ive been instructed to instead refinance the loan for a higher interest rate. This behavior is done in bad faith, for the benefit of XXXX XXXX and is nothing short of predatory to customers that arent aware of XXXX loan assumptions.
Product: Payday loan, title loan, or personal loan

I opened two separate accounts with this company Acima. One was a Jewelry account and the other was a furniture account. I had a discrepancy with Acima over the the date the furniture was received which in turn would affect my 90 day payoff amount. I spoke with their supervisor he quoted me a payoff amount as long as the date I quoted them, based off when I received my furniture. I payed the exact amount he quoted me to pay the account off. I called back to check on the account a few days later and there was another charge, called backs again after that about a week later and the charge kept increasing. At the time no one would close the account even after listening to the previous conversations that were recorded. I became frustrated and let them know I would not pay any more money on either account ( including the jewelry account ) until the situation was rectified. The account was finally rectified weeks later but they had reported to the credit bureau a 30 day late payment. Both accounts have been paid and cleared but the 30 day pay is still on my report and has dropped my score by 50 points.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account Number : XXXX TransUnion/ XXXX XXXX Account Number XXXX XXXX TransUnion/ XXXX/ XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion/ XXXX/ XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX TransUnion/ XXXX/ XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX TransUnion/ 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 proce 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 account.

( 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: Debt collection

Today, Saturday, XX/XX/2021, I received a mailing from Radius Global Solutions LLC informing me that they were a debt collection company and they wanted me to remit {$38.00} for a debt owed to Creditor : XXXX XXXX  XXXX XXXX XXXX with a Debt Description : XXXX XXXX I have had no dealings with XXXX & XXXX XXXX and I'm certain that I do not have an account with them nor do I owe them the amount Radius Global Solutions LLC has stated. I suspect that the true culprit in this matter is XXXX XXXX XXXX XXXX, not Radius Global Solutions LLC. I intend to telephone Radius Global Solutions LLC in the coming week to discuss and contest this debt, but I wanted to go on record with this complaint because I suspect intended fraud by at least one of the aforementioned parties.
Product: Student loan

I am attaching a copy of my previous complaint and Sallie Mae 's response. I am also attaching an email I sent to Sallie Mae months ago which verifies that they have been sent the information they are claiming they do not have in order to process my XXXX discharge. My Doctor has clearly completed the prognosis and anyone who can read English can see that she stated " improvement not expected '' and she signed the document. What gives? They claim they do not have a document, when I give them the document for the XXXX time, they claim they need a different document that they've been given, when I resend them all the documents they turn around and claim they don't have them. Who is working at Sallie Mae a bunch of XXXX XXXX XXXX? 

I am filing this complaint because although they insist they do not have the required documentation, they have been provided the documentation numerous times.
Product: Debt collection

I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you
Product: Checking or savings account

This is going to be a long story so it all started on XXXX I would just mind my business and all that when this XXXX person username XXXX text me telling me if I want to make money just for her to make an XXXX XXXX XXXX like to XXXX XXXX at first, I was a little you know why she told me she liked my eyes and all that so I was like OK its me and I make {$XXXX} thats great you know so then now shes gon na send me a check of XXXX so that way I could pay the XXXX XXXX and all that but with her money then she send me another check of another XXXX mind you that Im already giving away the money to supposedly her XXXX XXXX XXXX which the first person even though they mightve changed their phone number Im still going to put it here also, her email was XXXX but for the first client was XXXX XXXX XXXX XXXX XXXXXXXX I sent them XXXX supposedly to pay the supplies then the next person is still active XXXX XXXX XXXX XXXX XXXX XXXXXXXX I give them XXXX then XXXX she also tried to XXXX XXXX someone XXXX XXXXXXXX XXXX thankfully XXXX XXXX declined But then, after a while, my bank started to go overdraft I was a negative for some reason I called the bank to say what happened. They told me all they just investigating some stuff everything will go back to normal that I dont have to pay anything. I called them XXXX times to make sure if everything was OK. They told me the same thing that I dont have to worry I dont have to pay anything, and now I have to pay XXXX to Wells Fargo but heres the crazy catch right I didnt just attempt to put this money in Wells Fargo, only I didnt XXXX XXXX but XXXX XXXX was smart enough to decline this check before it even entered into my account but Wells Fargo didnt they put it in my bank either way I didnt know if it was fake or real and once it rebound they were saying oh, maybe the owner of the check just canceled it or didnt have enough money, so why would you put it in my bank in the first place then you can see the money I was giving it away to their clients so another words at that point the bank couldnt do anything about it but pay back the other bank that the money came from so honestly I have nothing to do with that. Im a victim. Of all this. because XXXX XXXX  was smart enough to decline it even before it went in in it was pending and if it was fake, they said no but Fargo didnt so it seemed that everything was normal you know until it wasnt I have way more proof of everything if I could show pictures and stuff that would be great because I do not want to pay this amount of money for something I did not do appreciate the help. Thanks. Also the person block me but I took all the pictures and proof I needed
Product: Money transfer, virtual currency, or money service

I was told I had to wait 180 days for my balance to available to withdraw. It has been over 180 days and PayPal will not email me back theyre message center always says try back durning business hours even though it is well within business hours. I have called and been placed on hold for over an hour and then hung up on. All I want is my balance sent to my bank and then be done with PayPal forever this is the most ridiculous thing I have ever been through for my money.
Product: Checking or savings account

I prepaid a mobile detailing company on XX/XX/XXXX to come to my house on XX/XX/XXXX to complete a car detailing job. The company made me sign a document upon pre-paying for services. The document was signed on XX/XX/XXXX for a job that was supposed to be completed on XX/XX/XXXX. On XX/XX/XXXX no one ever showed up or called from the company to complete the job. I called the company, no answer. At that point I did research on the company and found the company is a scam. I immediately filed a claim with chime on XX/XX/XXXX. The claim number is XXXX. I also filed a fraud report, a dispute with my bank and a XXXX  complaint on the company. As of today, my claim has been denied three times. Chime is saying no error occurred. I have spoken to multiple people and no one has been able to give me any answers. I have sent in multiple documentation showing that the company admitted they did not complete the job. In two emails the company stated they would do a refund but I needed to cancel my claim which I did not do. After reading multiple reviews on the company, I found that this is another tactic they use to get you to cancel the claim and they never actually provide the refund. At that point I stopped communicating with the company all together and chose to work directly with my bank which is chime. However chime refuses to credit my account. An error occurred when the company failed to complete the job. I spoke to a chime supervisor on XX/XX/XXXX who stated he doesn't understand why the claim is being denied. I then sent an email to chime requesting documentation used to come to the decision to deny claim. On XX/XX/XXXX I received that documentation and it is exactly the same documents I sent in as well, except I sent more. In the documentation the company provided they admit that they did not show up and asked me to withdraw my dispute. Yet chime still denied the claim and sided with the merchant. I also sent the response from the company on my XXXX  complaint which is dated after the email that the merchant sent in. Again the merchant acknowledged that the job was never completed and they were unable to issue a refund. I'm confused, I'm frustrated and disappointed.
Product: Debt collection

This morning I woke to XXXX  stating my score dropped XXXX points as the result of a new collection account on my report. Jefferson Capital is stating I owe them XXXX for a XXXX XXXX bill. I have been a customer of XXXX for over 5 years and account is still active. Jefferson Capital had contacted me via email stating that I owed them money for a XXXX  bill, which I then told them that I had previously filled out XXXX fraud packet back in XXXX sprint said it was all set and I've never heard about it again in any fashion. They reported that I just opened an account with XXXX in XX/XX/XXXX, which I clearly did not as I'm a current customer of XXXX.
Product: Debt collection

Apparently sometime ( not really even sure when ) but XXXX shut down one of my systems. I finally called and asked why I could not see my payments for the second system on the website. They said that it had been shut down. Last info on website was for XXXX of XXXX, They said it was shut due to lack of payment. I have been paying the full amount but they said that I should have been paying two different accounts. So I had previously called them regarding why I had such a big credit and was told that due to the contract, if the system does not produce what it is suppose to, I don't pay the full amount. It is just recently I realized they had sent me to collections. Never received any calls or anything until recently. Beginning of this year. So I had a credit of over {$2600.00} with them and asked if they could just take out what they said I owed from that amount and return the rest to me. I got email stating she would. I received a check for around {$1800.00} and they kept the rest. Now Caine and Weiner are still waning to know what is going on and XXXX will not inform them that I paid. So I am still in collections. I have sent them to the XXXX and they cant do much but gave me your info and other information on as who to contact next.