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

On XXXX XXXX, 2017 I received an alert on my credit report that a company by the name of XXXX aka : XXXX XXXX stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted Transunion Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
Product: Debt collection

Coachella Valley Collection Agency reported a negative reporting on my credit. Coachella Valley said they sent me a letter on XX/XX/XXXX and then file the reporting to the bureaus on XX/XX/XXXX. This is less than 30 days. In addition, I never received any notice from the company. 

The amount Coachella Valley Collection states I owes is not my responsibility and I do not owe. There is no authorization and/or contract signed by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXX XXXX  account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud.

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion.

I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties.

I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report.

Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



Sincerely, XXXX XXXX
Product: Debt collection

I mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding my account, which I recently discovered has been sold or transferred to a collections agency without proper cause or legal authorization. 

This action is both unwarranted and potentially violates applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. To the best of my knowledge, I have not received proper notice of this transfer, and I dispute the validity of any alleged debt associated with this account. My personal information has been involved in several data breaches and I am a victim of identity theft as well I request the following : 1. Immediate Confirmation : Credit card Accounts that are closed, charged off and or outdated should be removed from my credit report immediately. I have ask the companies for debt validation claim according to 15 US 1692. 


number XXXX I asked For all companies to send me a full detailed list of the payment history on this account number XXXX. I asked to see the original signature that I agreed to on the contract for this creditor, number XXXX. Has there been any insurance claims found on this debt? 

and I see the chain of title that you have to collect on? 

To no avail
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I applied for a modification in XXXX of 2015, I was told by my previous lender that the modification was approved. I was initially told my loan payments would go down to the {$1200.00} range, and then I was given documents that stated my payments were {$1600.00}. I was told to make my initial payment on XXXX/XXXX/2015 to the new servicer, JG Wentworth. I made that payment, as well as subsequent payments. My current lender, JG Wentworth is taking my payments, but they are not acknowledging the payments or applying them to my loan. They will not give me any mortgage interest or apply any payments. I have called multiple times and they are stating my information is not being updated in their system and there is no one that I can speak to because underwriting handles it and underwriting does not speak with people. They have also stated that I should still continue to make my payments of {$1600.00}, even though they are not being applied to my account, and even though J. G. Wentworth is sending me statements that say that my payment amount is {$1400.00}.
Product: Checking or savings account

Subject : Urgent Complaint Against XXXX XXXX XXXX and PayPal Dear XXXX, I am writing to express my deep frustration and concern regarding the ongoing issues I have faced with XXXX XXXX XXXX and PayPal in relation to my winnings and the subsequent handling of my case. 

As previously mentioned, I won {$1500.00} from XXXX and, after receiving an initial payment of {$500.00}, I have been unable to access the remaining {$1000.00} due to the merchant blocking me and canceling my invoices. I attempted to resolve this through PayPal, only to be informed that while they acknowledged the payment was authorized, they could not override the merchant 's bank due to the chargeback process initiated by the merchant. 

PayPal representatives indicated that the merchant 's bank would conduct an investigation that could take up to 75 days. It has now been 90 days with no updates or resolution regarding my funds, which remain on hold. I am additionally holding the merchant accountable for the outstanding {$1000.00} that they owe me. 

I have taken all necessary steps, including filing a police report and an XXXX report, to address this situation. However, I feel that I have been left with no protection and my rights have been violated throughout this process. The treatment I have experienced has been unfair and unjust, leading to significant distress and suffering. 

I am now prepared to pursue legal action against XXXX, PayPal, and the merchant 's bank for my losses, emotional pain, and suffering as a result of this situation. It is unacceptable that all parties involved have failed to take responsibility and provide a resolution. 

I urge you to take action in this matter and help facilitate a resolution. Thank you for your attention to this serious issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a call from Genesis FS Card Services regarding my account being past due. I provided the representative with my bank information. On XX/XX/XXXX I received an email that the payment did not go through at that time another late fee had been charged. I called Genesis FS regarding this matter and they stated the account number was invalid. I contacted my bank and they stated they did not see the payment pending or attempted. I then called Genesis FS card services to inform them and requested the previous call be reviewed as I provided them with my bank information directly from my bank website. On XX/XX/XXXX I then called Genesis FS as I did not receive the requested mail statements for XXXX XX/XX/2022 as I requested. The representative advised me my account was set up only for electronic, I informed him I have been having issues with the website since opening this account and have tried to resolve this back on XX/XX/XXXX when calling. I am very frustrated with this company and as a consumer it should not be this hard to get help paying a bill.
Product: Credit reporting or other personal consumer reports

transunion, XXXX, and XXXX keeps reporting inaccurate info on my consumer profile.
Product: Credit card

I never opened an account with Synchrony Bank or Care Credit. I am a victim of Identity Theft in XX/XX/year>. They keep sending me bills for an account that I never personally authorized but my ID and information were stolen by a suspect that is currently charged for restitution.
Product: Mortgage

Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX XXXX I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by LoanCare, XXXX. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through Paypal. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with XXXX credit card. They removed the item from my account. Paypal sent XXXX a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted XXXX 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously XXXX does not do that. Complaint for XXXX was denied because they said it was past a date from the purchase so I am complaining about PayPal
Product: Money transfer, virtual currency, or money service

( 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

On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my XXXX XXXX credit card. The have been repeatedly continued. I attended to XXXX XXXX branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, XXXX as XX/XX/XXXX Experian as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding my credit report.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference no : XXXX {$280.00} Transaction date XX/XX/XXXX Also Noted this information was removed By XXXX XXXX XXXX XXXX but was readded to my Credit Report in XXXX by Experian. It was disputed again by me to no avail. 

Formal Dispute Regarding Inaccurate Information on My Credit Report. 

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 Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : 1.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensive manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.
Product: Debt collection

I received a letter from Credit Collection Services stating that I owe {$200.00}. I responded with a certified debt validation letter. I didnt receive a letter so I called the company on XX/XX/XXXX and spoke with XXXX and she stated didnt see me request to validate debt. I recently received a health insurance claim form on XX/XX/XXXX that was dated for XX/XX/XXXX. The information does not validate the debt or show that Credit Collection Services has the right to collect this debt. However on XX/XX/XXXX I received notice that this collection was placed on my credit. I called the company and spoke with XXXX XXXX and asked her to remove the collection as we attempt to validate the date. She declined and said that it was notated as disputed and she had the right to report it. I told that was unfair practices due to the debt has not been validated and it was done with negligent intent
Product: Credit reporting or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Equifax an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. I pulled my consumer credit report on XXXX XXXX Equifax is reporting the XXXX account. This account is listed in the Identity Theft Report I sent to Equifax on XXXX XXXX. First off Equifax is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Please see the attached FTC Identity Theft Report and credit reports from XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submittin this CFPB complaint to request traht the Credit bureaus investigate my Credit File specifically the erroneous accounts that have been reported on my Credit File. Upon reviewing my current credit report from your bureau, I came across the disputed accounts, and I don't think they are 100 % correct. Would you please correct these accounts from my credit report? 

XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1800.00} - I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2600.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 

XXXX, XXXX. XXXX Opened XXXX. XXXX, XXXX Balance {$250.00} - I am confident that I have made all my payments on time and maintain records to support this claim. The account name, date of last activity, and balance seem to be misleading, and I request an immediate investigation into this matter. It is imperative that this account is updated with accurate and lawful information, and I expect prompt action to be taken to rectify this issue. 

XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$94000.00} - Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} - - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it.