23daVinci/CFPB_Complaints huggingface dataset:
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 ). Specificallt, 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 cause significant inconvenience and financial loss. I see appropriate redress for these violations as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXY XXXX, have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Debt collection

I am a victim of identity theft. Im complaining due to companies failing to investigate identity theft and misrepresenting consumers ' debts. I have no knowledge of these accounts and they need to be removed immediately.
Product: Debt collection

Portfolio Recovery Associate are in violation of the Early Warning Notice. 
The clause state that consumer had to be notified before placing collection item on credit report. Had been XXXX  for the past XXXX  months and did not receive any notice. Attached is my release document from XXXX  and my address in XXXX.
Product: Student loan

I have had a variety of difficulties with this company. That do not have an option to pay principal ONLY additional payments on their online portal. I have asked multiple times how I make principal ONLY additional payments and have received no response. I set up auto pay through Aidvantage. It states that it should reduce my loan rate by 0.25 % on each of my loans. However, the online site has yet to show this change and I am still being charged at original interest amount. More over, I have also submitted through XXXX XXXX XXXX servicer for a new type of replacement plan and have had no response from this company in multiple weeks. They continue to have my payment listed as the payment amount before the change and I know I qualify for the type of repayment I applied to. I have emailed the started customer service line twice. I get a confirmation email that will respond within a couple of days, the correspondence shows up in my Advantage inbox, but then is deleted or of my inbox without any response to my questions/concerns. When I attempt to call customer service about any of these, I get put on hold endlessly and have not been able to talk to a representative.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information XXXX. Please delete the following accounts. creditor : Account Name : XXXX  Account Number : XXXXXXXX Reported Balance : {$5000.00} Account Name : XXXX  Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXXcount Number : XXXX Reported Balance : {$5400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$860.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} CREDITOR NAME : XXXX INQUIRY DATE : XX/XX/year> Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Employer ( s ) : XXXX XXXX XXXX Employer ( s ) : REAL ESTATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to accept documents by only choosing to accept document through the mail. While I've already provided compelling information on this matter their decision is impacting my way of living
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial has an incorrect report of adverse credit and relied on that to deny me credit. I have contacted a GM Rep. - XXXX XXXX - and she will not responded to me
Product: Credit reporting or other personal consumer reports

I went to XXXX  for 6 years and someone stole my identity none of these account or loans belong to me this is fraud
Product: Debt collection

I have written Cavalry 7 validation of debt letters within the past 6 months, ( dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ) which clearly outlines the specific documents to be sent to me under my Fair Debt Collections Practices Act rights. To date, I have received none of the specific documents I have asked for in my validation of debt letters. I have asked repeatedly for Cavalry to send the information to be sent to me to validate debt claimed owed, but Cavalry has IGNORED all of my written validation of debt requests by not sending the documents I have asked for in my letters. Cavalry is claiming that the account information is accurate and true, which is false because they have not fully complied with my validation of debt letters and federal law. Cavalry is also reporting false information to the credit reporting agencies, because they have not sent me the specific documents I have asked for in order to validate debt claimed owed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I contacted XXXX, XXXX and transunion in regards to fraudulent addresses and accounts on my name. Someone had requested phone services as well as an apartment lease fraudulently in my name. I have contacted the local authorities but the account has yet to be removed I have never lived at XXXX XXXX XXXX XXXX XXXX ca. 

XXXX account XXXX XXXX XXXX {$3200.00} Is also not legally my account. I have contacted multiple sources and nothing has been done.
Product: Credit reporting 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. 


AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I had a yearly check-up with XXXX XXXX in XXXX XXXX XXXX as a self-payiing patient. I paid for services in advance- else this doctor will not see you. The services rendered were terrible, and she told me 4 times to go and see someone else for whatever I asked her, and she finally sent me off with 4 referrals. For a yearly check-up it was enfuriating that she only looked at the results of my XXXX which I had taken in advance to discuss results. To my great surprise, I get a {$95.00} add-on bill, for her services .... really? I called the office and spoke to the office manager after several attempts to talk to billing about " this mistake ''. I even expected a refund of the {$120.00} plus that I had already paid upfront, since I did not leave feeling that this doctor had even looked at me. Why do a physical, if you are not even looking at the patient???? In any case - the response has been to send the additional {$95.00} to collections. Is this a patience game? I refuse to pay someone more money who was insolent, did not answer any of my questions about my medical concerns, and made me wait for almost one hour in an office, and then had not even checked my medical records before walking in to talk to me. Waste of time - never going back.
Product: Credit reporting or other personal consumer reports

click improper use of your report IAW the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$750.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX, XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX  XXXXXXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian, XXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian, XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX NOT RECOGNIZED XXXX XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit. 

I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

Agency : XXXX XXXX XXXX Date Open : XX/XX/2024 High Balance : {$330.00} Account Number : XXXX
Product: Debt collection

XXXX is a collection company that contacted me on my birthday by gaining access to my email and sending a text to me to wish a " Happy Birthday '' message much like a spammer does. In doing so I do not have the ability to opt out of their harassing messages which I believe I am entitled under law. This is a new tactic of theirs. I am enlisting your help to force XXXX to cease and desist these actions and to fine them to the full extent possible. If they are doing this to me they are doing this to countless thousands of others. Thank you for your kind help with this matter. 

This debt was paid off directly to the original creditor quite some time ago. This collection agency needs to fined for its behavior and for its poor record keeping.
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The collections account in question, associated with ONEMAIN, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws.

The collection agency, ONEMAIN, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA.

Moreover, ONEMAIN has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts to ONEMAIN. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report.

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.
Product: Debt collection

Dear THE BUREAUS Dispute Department, I am writing to dispute the accuracy of a collection account listed on my credit report. I have recently reviewed my credit report and found an entry that I believe to be incorrect. I am requesting that this account be removed from my credit report. 

Disputed Account Details : Creditors Name : XXXX  XXXX  Account Number : XXXX Date of Account Entry : XX/XX/year> Reason for Dispute : I have no knowledge of this debt, The account information is incorrect. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request that you investigate this account and remove it from my credit report if it can not be verified as accurate. 

Please conduct your investigation and update my credit report as necessary within the time frame required by the FCRA. 

I would appreciate written confirmation of the outcome of your investigation and any changes made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have had repeated phone calls over the last few months about a XXXX debt/account that was - according to the phone calls- not paid. I have NO XXXX account. Never have. Then, I received a letter, which looks very official, from EGS Financial Care , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX. The letter states a " DEMAND FOR PAYMENT '' with records showing charges from XXXX through XXXX, XXXX  for something. It is deliberately vague, but looks like it is for charges with XXXX. I have not shipped anything via XXXX and have NO account. Furthermore, the receipt for payment ( for {$910.00} ) is simply to be sent to a strange address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I have made no attempt to contact EGS Financial Care , Inc . I assume this is a scam.
Product: Debt collection

I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't..
Product: Checking or savings account

I was out of town visiting my bf in XXXX minnesota & had a step daughter XXXX XXXX watch my house XXXX mail & gave her a house key I thought she could be trusted my my XXXX & XXXX XXXX & XXXX XXXX XXXXXXXX XXXX came up missing I filed a sheriff XXXX az report on XX/XX/24 & I went to my chase bank to deposit a XXXX & the teller told me there was fraudulent actively going on in my bank account & she printed out the bank account actively & XXXX XXXX XXXX XXXX XXXX  gave me a phone # to the fraud line on Friday XX/XX/24 & learned this was going on XXXX 5 months so the bank reversals some charges & then took them back I lost my social security XXXX {$2200.00} & a total of {$3900.00} unreal how can I get my $ back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The inquiries on my credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE ERRONIOUS AND UNKNOWN ACCOUNTS REPORTING TO MY CONSUMER REPORT ITS BEEN OVER 30 DAYS AGO SINCE MY DISPUTE HAS BEEN SENT, THESE ACCOUNTS ARE IN ERROR WHICH MEANS THERE CLEARLY BREAKING CONSUMER LAW, XXXX FIN XXXX DATE OF LAST ACTIVE XXXX SHOWS XX/XX/XXXX XXXX SHOWS XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX IN ADDITION, THE HIGH CREDIT IS INACCURATE AS WELL, XXXX XXXX XXXX EXPERIAN SHOWS XXXX XXXX SHOWS XXXX ANOTHER CLEAR VIOLATION OF THE FRCA 15 US CODE 1681c- ( a ) ( 4 ) clearly says a cra can not report such accounts and that its to be excluded. 


XXXX XXXX  XXXX OF LAST ACTIVE EXPERIAN SHOWS XX/XX/XXXX XXXX SHOWS XX/XX/XXXX
Product: Vehicle loan or lease

On XXXX XXXX XXXX, I made a payment to Toyota financial services for {$1000.00} for my XXXX XXXX XXXX XXXX. It was deducted from my account on XX/XX/XXXX. The payment was not credited to my account to pay my car. When I realized the payment had not been credited, I called XXXX and was told that there was a systemwide problem on XX/XX/XXXX and not to worry my payment would be credited soon and my credit Would not be affected. I looked again on XX/XX/XXXX and it had still up being credited to my auto loan. I was then told to fax a merchant report from my bank to them showing that I did not receive the credit back to the bank, I went into my local branch of XXXX, And they stated they do not do merchant reports and only communicate with their direct customers. They printed my transaction history to show the XXXX dollars had been taken from my account and given to Toyota financial services and that there was no credit back to my account, I faxed the transaction history to XXXX, and it has been acknowledged that they received it I have called multiple times to get this rectified and XXXX person will tell me that theres nothing they can do until the bank acknowledges it and sends a merchant report then the next person will see exactly what I have given them and shown them through my transaction history and they say they need to write up a report and it will be credited in a few days. It is never credited. I continue to be charged late charges every month even though I am paying my regular payment because of this XXXX dollar payment I went to a XXXX dealership on XX/XX/XXXX to upgrade my vehicle. And spoke to another resolution specialist that had me upload the full bank statement for the month that had XX/XX/XXXX in it and he confirmed from my bank statement that I did not get the refund of my XXXX dollars and said I should see it applied to my loan in a couple days, which it was not. I subsequently was denied opening a new account with Toyota financial services because of this payment on XX/XX/XXXX. I have been a customer of Toyota financial services since approximately XXXX and have had XXXX different accounts with them all in good standing. today XXXX XXXX XXXX I spoke to a resolution specialist and a supervisor that has said the only way I will get my XXXX dollars back is for me to seek legal counsel, they refused to show any documentation of any research that was conducted for them to show that my payment was returned to me on XX/XX/XXXX and they refused to give me any recordings that were taken of my phone calls with their employees. The only thing they will give me is my transaction, history of payments, which is not a bank account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account had repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include active payment history. This inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after i asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX