23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/year> Experian Subject : Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act Dear Experian I am writing to formally dispute an item on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be incorrect. I request that you investigate the following issue and correct or remove it as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
SUBJECT: FORMAL DISPUTE REGARDING INACCURATE INFORMATION ON 
MY CREDIT REPORT

DEAR EQUIFAX
I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS HARMING MY  FINANCIAL WELL-BEING. I AM AWARE OF MY RIGHTS UNDER THE FAIR CREDIT REP[ORTING ACT AND REQUREST A THOROUGH INVESTIGATION INTO THESE INACCURACIES, AS REQIRED BY FEDERALL LAW.
RECENTLY, THE CONSUMER FINANCIAL PROTECTION BUREAU FILED A LAWSUITE AGAINST EXPERIAN FOR ITS FAILURE TO PROPERLY INVESTIGATE CONSUMERS DISPUTES, CITING"SHAM INVESTIGATIONS"AND OTHER UNLAWFUL PRACTICES. THESE PRACTICES, AS OUTLINED BY THE CFCB, INCLUDE:
CONDUCTING INADEQUATE INVESTIGATIONS THAT FAIL TO ADDRESS CONSUMER DISPUTES PROPERLY. 
REINSERTING PREVIOUSLY DISPUTED AND INACCURATE INFORMATION WITHOUT EXPLANATION.
FAILING TO NOTIFY CONSUMERS ABOUT INVESTIGATIONRESULTS EFFECTIVELY.
THESE ALLEGATION HIGHLIGHT SYSEMIC ISSUES THAT DIRECTLY UNDERMINE CONSUMER PROTECTIONS AND PERPETUATE THE INCLUSIONOF INACCURATE INFORMATION ON CREDIT REPORTS. I AM DEEPLY CONCERNED THAT MY DISPUT MAY BE MISHANDLE IN SIMILAR MATTERS
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment reporting on my credit report for the above-referenced account. After reviewing my credit report, I identified a 30-day late payment erroneously reported for XX/XX/XXXX on my XXXX XXXX account. This late payment is inaccurate, as I have always made timely payments on this account. 
Account Details Account Number : XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Joint account Dispute Status : Account not disputed Creditor Type : Finance, personal Account Status : Closed Payment Status : 30 days past due Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 75 months Past Due Amount : {$0.00} Account Type : Installment account Payment Frequency : Monthly Credit Limit : {$0.00} Discrepancies in Payment History According to the TransUnion-reported payment history, a 30-day late payment is listed for XX/XX/XXXX. This late payment is inaccurate, as my payment records indicate that all payments were made on time. 

Reference to Fair Credit Reporting Act ( FCRA ) Violations Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the information they report is accurate and verifiable. Specifically : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain inaccurate or unverifiable information related to transactions or experiences between me and the creditor.

15 USC 1666 ( b ) : Creditors must adopt reasonable procedures to ensure timely mailing of statements and accurate reporting of payments.

15 USC 1637 ( b ) : All periodic statements must contain complete and accurate information about payment due dates and amounts.

Requested Action I kindly request that TransUnion : Conduct a thorough investigation into the accuracy of the reported late payment.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ). 
Update the payment status for XX/XX/XXXX to reflect " Paid As Agreed, Never Late. '' If you are unable to provide verifiable proof of the late payment, correct the reporting immediately to align with my accurate payment history. 
Supporting Evidence I have attached the following documents to support my dispute : A copy of my credit report highlighting the inaccurate entry. 
Personal identification documents for verification purposes. 

Response Timeline Under the FCRA, you are required to complete your investigation and provide a written response within 30 days from the receipt of this dispute. If you can not verify the accuracy of the reported late payment, I expect it to be corrected promptly. 
Thank you for your prompt attention to this matter. I look forward to your resolution and response within the time frame required by law. 

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

Due to gross mishandling of sensitive information and a clear disregard for data security, Equifax was the target of a hack that resulted in the exfiltration of the credit data and profiles of 143 million Americans, myself included.
Equifax failed to protect my data.
Equifax waited six weeks and still failed to notify me of my involvement in the data breach.
Myself and all others affected did not have a choice whether or not our data was held by Equifax. They had a duty to protect that information, and they failed spectacularly.
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 proc 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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Due to the corona virus my job allowed us to go into our retirement money and take out whatever amount we need to survive. Due to the fact That I was already having mortgage issues I requested a 15 payout amount of my mortgage and I sent that amount on ( over {$30000.00} ). While waiting on my title to my house I received another letter from the mortgage company telling me that my money has been placed in other areas ( escrow, insurance, etc ) and that was not the intent. From the date that they received my money if I owed them anything else they should have said so. PHH MortgageXXXX  XXXX XXXX XXXX, NJ XXXX. Loan Number XXXX
Product: Money transfer, virtual currency, or money service

I am from the XXXX XXXX and am a severely sighted XXXX person i have fallen victim to this coinbase wallet mining pool scam where I was told by the scammers I would make good daily profits per day, the scammers told me to download the coinbase wallet app and put in a link on the coinbase wallet app where I would click on the link to get the daily rewards and download the mining pool in the coinbase wallet app. Not knowing I was giving access to the scammers to my coinbase wallet they could Control it. Coinbase have been aware of this scam since XXXX and when they launched they coinbase wallet app but have done nothing to protect customers from such a scam They could see large payments being transferred to XXXX sent sent sccount from coinbase account to coinbase wallet They did nothing to protect me from falling victim to this scam coinbase are aware of this kind of scam since XXXX but have put XXXX security in place to stop this how can scammers use they coinbase wallet app to scam people and coinbase have done nothing. 
Also coinbase have not taken any identity checks from me when I opened my Coinbase account into XXXX, They coinbase wallet is full of security falls and bugs and holes where scammers are using these falls to exploit customers to falling victim to these types of scams Coinbase have done XXXX to combat this and they are aware of these scams taking place in they coinbase wallet app How can they allow this? And do nothing
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards. 

Additionally, I reference my protections under the Privacy Act of XXXX [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of XXXX [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started this back in XXXX of 2016, and have gotten no where with equifax. I have submitted by FTC Report, Police Report, ID, Social Security Number, Proof of Residence, and every other document that they have asked for. My identity was stolen and they are allowing that person to ruin my files by not removing incorrect information. They have multiple files on me and when i call to speak to someone, I am transferred to XXXX or XXXX poorly spoken reps before the call gets disconnected. EVERYTIME. I have no access to any of the information that equifax has on me because the have all my information wrong so i can not verify myself, or the system will not allow me in. XXXX  and XXXX have been great helps. I don't see why Equifax can not do the same. They do not even have a fraud alert listed on my Credit File. Thats a violation in itself.
Product: Debt collection

I went to the E.R or urgent care some where in XXXX in XXXX, AZ. At that time I had XXXX and therefore covered by my insurance which is a government funded coverage. I never recieved a bill nor was I charged at the time of my care due to my XXXX insurance. Now in XXXX it show 's up on my credit report but yet never have recieved a bill in the mail since my visit to the E.R or urgent care visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting a collection from XXXXXXXX XXXX XXXXXXXX XXXX for a debt owed to XXXX. Please be advised that any outstanding debts have already been satisfied with the original creditor which is listed as XXXX. It is against the law for a collections company to attempt to collect a debt that has already been satisfied to its original creditor. Please help delete these negative collections from my Equifax and XXXX credit reports as they are really negatively impacted my life. I
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear TransUnion Consumer Relations & Legal Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXX Complaint Closed Date : XX/XX/XXXX Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures TransUnion employed to verify the accuracy and completeness of the disputed item. Specifically, I request : 1. A detailed description of all steps taken during the verification process.

2. Documentation of all individuals and entities contacted, including names, roles, and contact information.

3. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process. 
XXXX. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding XXXX conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

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

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and resulted in numerous unauthorized inquiries. I am requesting those be deleted. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized and without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account 30 days late to Experian Credit Bureau for the month of XXXX XXXX. The payment was due XXXX/XXXX/XXXX and was paid by me on XXXX/XXXX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
Product: Debt collection

In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor SoFi Securities {$1100.00}. The debt was then purchased by XXXX XXXX 

I had no prior knowledge of this debt and contacted SoFi Securities for the background. I learned from SoFi Securities that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX  XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to SOFI Security. 

In XXXX, I received a fraud packet from XXXX XXXX XXXX, a collection agency that is related to XXXX XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from XXXX XXXX XXXX stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.
Product: Money transfer, virtual currency, or money service

Account became restricted for no reason. After multiple attempts to fix the issue, its been weeks with no responses. 

XX/XX/XXXX : deposited {$1000.00}. 

Also XX/XX/XXXX : account restricted. Was able to deposit and fund my account, but unable to trade or withdraw any of the funds that I just had deposited.
Product: Credit reporting or other personal consumer reports

My payments are due on the XXXX of every month. I made my XXXX payment on the XXXX of XXXX. They reported me as 30 days late. I called TD Back ( Yard Card ) and the agent said that it had been 30 days since I made my last payment. I asked her if my 30 days started after the XXXX and she said no. I asked why would they have a payment date if they didnt honor the date. I would like for TD Bank to report me correctly and not 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to XXXX, Experian and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Student loan

In XXXX, I mailed applications for consolidation of parent plus loans with XXXX different servicers to qualify for the double loop. I sent half of the loans to Nelnet and half to Great Lakes. I heard back from Nelnet via email that they consolidated the loans that I asked them to. I never heard back from Great Lakes. A month later I got a letter from Nelnet that they consolidated all the loans. I had no idea that they acquired Great Lakes. No where on the internet does it say that they acquired Great Lakes. I called Nelnet and asked them to unwind my consolidation loans because I want to pay some of them off, and then consolidate with XXXX different loan servicers. They told me that I waited too long and they denied my request to unconsolidate. I explained that in the beginning of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was unable to do much of anything. By the time I re-looked back into the loan process it was a few days into XXXX. Is there anything you can do for me? I've worked in public service for XXXX  years. My hope is that they will accept XXXX of public service so far dating back to Covid, and i can then work another XXXX  years before retirement. I'm XXXX XXXX XXXX.