23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX XXXX XXXX ) because the company demonstrated inadequate customer service and multiple unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Cash App did not proceed with timely nor effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. To add, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT, TO FEDERAL LAW SECTION 605B FRAUD MUST BE BLOCKED AND REMOVED. LISTED ON THE ATTACHED PAPERWORK ARE FRAUDULENT INQUIRIES AND ADDRESSES. PLEASE READ IN DETAIL MY FTC REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did receive responses to my complaint # XXXX from Equifax, that is why I am duplicating my initial complaint. 

Good morning, I have started seeing that my credit report right now is full of hard inquiries which have not been by me, moreover, I have not been living in United States for 5 years, i dont know who is using my information but i would like to delete hard inquiries and one collection account which does not belong to me 1 ) XXXX XXXX Reported : XXXX XXXX, XXXX, $ XXXX Closed 2 ) XXXX XXXX XXXX  XXXX XXXXInquiry : XXXX XXXX, XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry : XXXX XXXX, XXXX 4 ) XXXX XXXX - XXXX -Inquiry : XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 6 ) XXXX XXXX - D-Inquiry : XXXX. XXXX, XXXX 7 ) XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 8 ) XXXX XXXX, XXXX-Inquiry : XXXX. XXXX, XXXX 9 ) XXXX XXXX- Inquiry : XX/XX/XXXX 10 ) XXXX XXXX- Inquiry : XXXX. XXXX, XXXX 11 ) XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 12 ) XXXX- Inquiry : XXXX. XXXX, XXXX 13 ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 14 ) XXXX- Inquiry : XXXX XXXX, XXXX 15 ) XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX
Product: Debt collection

I being the consumer, natural person and original creditor have sent a debt validation letter to Discover Financial Services pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested Discover Financial Services to provide copies of their 1096 tax form, their 1099-OID, their INC and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692, TCPA and Identity Theft. Please review attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 Portfolio Recovery Associates , LLC ( XXXX, XXXX ) has been reporting unverified alleged debt to my credit report without my written consent. PRA, LLC has sent statements of account ( securities ) via mail ( non-registered mail ) as validation. PRA, LLC continuously fails to verify by sworn statement & signature ; therefore reporting inaccurately and hindering my likeness & creditworthiness to other creditors since XX/XX/2022. It has been interfering with my livelihood. PRA, LLC has been fined by the CFPB furthering my case of inaccurate reporting, harassment, unfair debt collection practices. FTC complaint number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/XXXX as of today XX/XX/XXXX I have not received no answer at all. According to FCRA if a dispute takes more than 30 days it must be remove. Attach to this dispute I am attaching the letter I sent them and copy of my ID and SS card to prove my identity thx.
Product: Money transfer, virtual currency, or money service

I was scam for my account for {$1000.00} and they wrote a check acting like me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX : {$640.00}.
Product: Debt collection

I am disputing an error on my credit report regarding my account with XXXX XXXX The reporting dates were incorrect, showing inaccurate late payments. XXXXXXXX XXXX has acknowledged the mistake and agreed to update the information. I am requesting a prompt update to my credit report to accurately reflect that my account was never late, and I appreciate your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. Some accounts are inaccurate in my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

I recently found multiple inquiries on my credit report that I never authorized. I wasnt even aware of these companies before they appeared on my report. To be sure, I did some research and reached out to them directly. As expected, I never applied for anything with them, never signed anything, never gave them any ID, NOTHING AT ALL! These unauthorized inquiries are dragging down my credit, and no one is taking responsibility for the mess. Whats even more frustrating is that Im already battling XXXX, and this added stress is only making things worse. I shouldnt have to fight for my health and my financial stability at the same time, especially over something I had no control over.Im doing everything I can to resolve this. I need these inquiries removed so I can focus on my treatment and start restoring my credit without this extra burden hanging over me.
Product: Credit reporting or other personal consumer reports

I recently acquired my credit report and discovered that I have become a victim of identity theft. As I am currently in the midst of purchasing a home for my family, I am deeply dismayed by this unfortunate situation. It has had a detrimental impact on me. I kindly request the swift removal of these deceitful accounts from my credit report
Product: Debt collection

I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. 
The original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. 
I am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/XXXX  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian is only company reporting this error
Product: Debt collection

iQ data is not providing me enough info regarding what I owe, how much I owe, why do I owe etc. 
Everytime I call to require debt validation letter, my bill is going up XXXX dollars, and they are hanging up phone on meI am willing to pay every single penny. I just wan na see what I owe
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least XXXX XXXX to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. 

If your company fails to respond to this validation request within XXXX XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... Remove inaccurate addresses : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

My current home mortgage is with NewRez LLC dba Shellpoint Mortgage Servicing. I've applied to refinance the mortgage with another bank in XX/XX/2020 and have been approved for a loan. 

NewRez doesn't respond to the closing lawyer 's requests to release the original stock and lease ( the property is a coop ) in order for me to close on the new loan.
Product: Student loan

I received a phone call stating my loans would be forgiven with in 10 years for {$49.00} a month. It was stated that this organization was started by Barack Obama to help students relieve debt. They requested my FSA PIN and my loan providers information. At this point they created an email address for me and forwarded documentation for me to sign. I hung up and was immediately called back being bullied to continue working on this loan forgiveness. I read the agreement and was told on the phone to hurry this up because with in three days the plan would expire and I would not be allowed to continue with forgiveness of my loan. The gentleman on the phone signed all my paper work for me with my initials and then signed the document for me. I kept explaining that my address with in the form is wrong, most other facets of the form were wrong. He told me it didn't matter and please verbally agree to the loan. I did not. He did not respond and immediately said thank you and hung up. I called and no one answered or it was picked up and immediately hung up. At this point they did not contact me again, my loan service provider called to let me know my loan is now into income based repayment plan. I am now paying that company for contacting my loan service provider and not actually helping me with my loan. 

I have attempted to call them multiple times which has been met with a hang up. The emails are responded with friendliness but when I call to ask for a refund or cancel I am hung up on immediately. I attempted to stop the automatic payment, the website just has an " error '' on it. I attempted to call my loan service provider and found all my information had been changed, my address had been changed, my email and phone number were changed. 

Initial contact date XX/XX/XXXX Total amount to refinance {$1000.00}. I was told this would forgive my entire student loan amount. 
XX/XX/XXXX Requested {$90.00} to complete the process for loan forgiveness XX/XX/XXXX refinance is completed XX/XX/XXXX out of fear and wanting to get the loan down quick I paid {$120.00} XX/XX/XXXX pending {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started the my dispute process with this company in XXXX XXXX Their investigation was a generic response ( please see attachment ). 

There are a number of inaccuracies on my report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation. All of my letter have been sent certified mail. Please see attachments below.
Product: Debt collection

To whom it may concern, I am writing because I want to report the harassment that the company Portfolio Recovery and Associates has. They call me every day from Sunday to Monday from different phone numbers, it doesn't matter if it's XXXX XXXX XXXX XXXX XXXX. I answer the calls but they hang up. They do this so that you call back. I call back and they ask me for all my information, which of course I don't give, because if they call every day at all hours, they should know who they are calling. I have asked them that if they don't know who they are calling, they should not call my number anymore, but the calls continue.
Product: Credit reporting or other personal consumer reports

Recently, I went to open up a bank account and got denied. Upon my denial, I required information as to why I was denied for the account. According to the information I've received, I had several inquiries over the course of several months this year that I did not authorize. In fact, some were by the same companies. Under the Fair Credit Reporting Act, when referring to 15 US Code 1681b, this is a violation of my consumer rights as I have not authorized such inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Resurgent/LVNV Funding XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C. 1681 section 602 A. Clearly states that 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 instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I received a debt collection notification from Revco Solutions on XX/XX/XXXX dated XX/XX/XXXX. Rebel claims that I owe {$110.00} in outstanding medical debt from XXXX XXXX from a device worn in XX/XX/XXXX. I have disputed numerous times this amount asking each time for an itemized breakdown of the original {$990.00} charge prior to my insurance payment. Revco sent a response to my dispute on XX/XX/XXXX dated XX/XX/XXXX stating I still owed the debt again with no itemized breakdown of the {$990.00} charge. Based on the Fair Debt Collection Practices Act, I feel the continued unwillingness and failure to provide this itemized breakdown of the charges is fraudulent and unjustified. I am becoming increasingly concerned that I am being victimized by Revco and its unfair debt collection practices. Please investigate this issue and I have attached copies of these notifications for your records.
Product: Credit reporting or other personal consumer reports

Since XXXX lexis nexis has Done nothing to remove these inquiries off my credit report,
Product: Checking or savings account

A scammer accessed my Wells Fargo bank account and transferred funds from my checking, savings and credit card accounts. The bank would not accept my statement about the fraud. The bank also allowed transfers to occur from my bank credit card even after the credit limit on the card was exceeded by {$17000.00}. They never called to question the charges or shut the card down. Now they hold me Liable for a {$36000.00} credit card bill when the statement showed a balance of {$400.00} in XXXXXXXX XXXX
Product: Checking or savings account

Bank blocked my online access. Even after I sent required paperwork, they told me to go to branch which is 2 hours away.