23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter approximately a month ago from Consolidated Recovery Group but XXXX XXXX It stated I owed Hard dept XXXX Fees XXXX XXXX dollors Interest of XX/XX/2022 XXXX The debit she says is from XXXX XXXX XXXX I have never used this company she asked me did I think I was a victim of identity theft and offered paper work I could fill out I didnt feel comfortable about that I called XXXX XXXXhey told me they know nothing about this collection agency so I just blew it off Then two weeks latter she reported it to the credit companys I have an XXXX credit score that dropped XXXX points why would someone like me not pay a bill that low SCAm Consolidated Recovery also list an address that is a XXXX  store I will report this with the police and go through all the b/s paperwork to get this straightened out How do I know she is not the fraud She has all my social, tax Id and address I never received any letter at all to give me a chance to refute this This is criminal and I hope they get reported XXXX
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc. ) due too 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: Credit reporting, credit repair services, or other personal consumer reports

Recently, Experian reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from been versed and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my Experian account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and been verified collect money on their end and with the advent of XXXX, family members are trying to connect and use those systems which have some how been captured by Experian to put on my report, not for Experian to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
Experian knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this XXXX stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, Experian needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. Experian do right by your consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Student loan

To whom it may concern, I would like to file a complaint that Navient fraudulently took out {$240.00} from my checking account without my authorization. In the prior month of XXXX I successfully cancelled an auto-draft payment for student loans and it did not come out. This month on XX/XX/19 Navient took money out of my account that without my authorization. 

I spoke with Navient on the phone today on XX/XX/19 and they have verified that it was taken out and acknowledged today that it has been cancelled. The supervisor claims to have escalated the request to get my funds returned, but says it will take at least a week for me to get the funds returned to me. This will affect my available funds to pay necessary bills in this pay cycle. 

I would also like to file a complaint against the agent XXXX that answered my call. She did not ask me my concern when answering my call, and went right into asking me when I am going to make a payment. I feel is very rude and not very customer friendly. This clearly shows that this company cares nothing about their customers, or expresses empathy or any concern for the customer.
Product: Debt collection

A certified letter was mailed to Credit Systems International on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX still has not been received by Credit Systems International as it is still showing in transit even though it was mailed from XXXX XXXX, Texas and being delivered to XXXX XXXX, Texas. The address that is located on the credit report is the same address that is listed on the certified receipt ; therefore, unsure of why the package has not been delivered. Regardless, I need documentation to support that this debt belongs to me as I had no prior knowledge of this debt prior to receiving my credit reports.
Product: Credit reporting or other personal consumer reports

My information was stole doing a data breach of the credit bureaus. My information was used to open accounts which reflects late payments and delinquent and unpaid account accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance Under the Fair Credit Reporting Act ( FCRA ) Dear TransUnion Dispute Department XXXX XXXX am writing to dispute inaccurate and misleading information on my credit report that remains uncorrected despite my previous attempts to resolve the matter. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., TransUnion is legally required to maintain accurate credit information, conduct timely investigations, and correct errors. Your failure to comply with these obligations has caused harm to my credit standing and financial well-being. 

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 Violations of the FCRA 1. Negligence and Failure to Maintain Accuracy ( 1681e ( b ) ) TransUnion has an obligation to ensure the accuracy of the information it reports. Your failure to correct this inaccurate information demonstrates a lack of reasonable procedures to assure maximum possible accuracy.

2. Failure to Investigate Disputed Information ( 1681i ( a ) ) The FCRA mandates that TransUnion conduct a reasonable reinvestigation of disputed information within 30 days. If TransUnion has failed to verify the accuracy of the disputed items within the required timeframe, it has violated federal law.

3. Civil Liability for Willful Non-Compliance ( 1681n ) If TransUnion knowingly and willfully failed to correct or remove inaccurate, misleading, or unverifiable information, you are liable for damages, including actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees.

4. Civil Liability for Negligence ( 1681o ) If TransUnions failure to comply with the FCRA was due to negligence, you may still be held liable for actual damages and legal fees.

Demand for Immediate Action I demand the following actions be taken immediately : A thorough reinvestigation into the disputed item ( s ).

Removal or correction of any unverifiable, outdated, or inaccurate information.

A written statement confirming the results of your investigation and an updated copy of my credit report.

Failure to comply with these legal requirements may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages caused by your negligence and non-compliance. 


I expect a response within 30 days from the date of this letter, as required by the FCRA. Thank you for your prompt attention to this serious matter. 


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

These Accounts have violated my rights According to FCRA. 1 ) XXXX XXXX XXXX : ACCOUNT # XXXX. 2 ) XXXX XXXX XXXX : account # XXXX.THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Accounts and Unauthorized Hard Inquiries I am writing to inform you that I have recently become a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. As a responsible consumer, I am taking immediate action to rectify this situation and request your assistance in removing these fraudulent accounts from my credit report as soon as possible. 

The following is a list of fraudulent accounts that have been reported to my credit report without my authorization : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX Account number : XXXX 6. Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX 7. Account name : XXXX XXXX XXXX XXXX Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure that the information furnished on my credit report is accurate, complete, and verified. These fraudulent accounts clearly violate my rights as a consumer and are causing significant harm to my creditworthiness. 

I kindly request that you investigate these fraudulent accounts promptly and remove them from my credit report within four business days. Failure to do so would be a violation of the FCRA and may result in legal action being taken against your organization. 

Furthermore, I have noticed the presence of unauthorized hard inquiries on my credit report that are not associated with any open accounts. These inquiries were made without my written consent and are adversely affecting my credit score and my ability to obtain credit. I demand that these unauthorized hard inquiries be immediately removed from my credit report. 

I must emphasize that I do not wish to receive a response from e-oscar or any automated system. I request that this matter be handled by a competent human being who can provide the necessary attention and ensure a proper resolution. 

I urge you to take immediate action on this matter and provide me with written confirmation of the removal of the fraudulent accounts and unauthorized hard inquiries from my credit report. Additionally, I request that you block the information related to these fraudulent accounts to prevent any future reporting. 

I expect your prompt attention and resolution of this matter within the stated timeframe. Please note that any delay or inaction on your part may lead to further damages and will be duly documented for potential legal recourse. 

Thank you for your cooperation and assistance in resolving this distressing situation. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report. 

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

XXXX deleted 2 unverifiable and inaccurate accounts from my credit report and I sent XXXX and Equifax proof that XXXX could not verify the account so XXXX deleted the accounts. I sent a copy of the deletion for the 2 accounts but XXXX and Equifax ignored/neglected my letter and still claims to verify the accounts without the creditors actually verifying them.
Product: Credit reporting or other personal consumer reports

These hard inquiries are NOT mine, and I do NOT benefit from them in any way. This needs to be corrected immediately!
Product: Mortgage

I called Suntrust/ Truist to discuss options for extending my payment for a couple months due to being quarantined from COVID19 and not having sick leave or paid time off. 

First call was XX/XX/XXXX and they responded rather quickly, told me they could issue a forbearance for 3 months. 

At the end of those 3 months all payments are due ( 3 months of mortgage payments! ) .This is pretty much the " help '' they are discussing on every website. This does not help at all as in 3 months a massive payment would be financially devastating! They told me to call back. 

Called XX/XX/XXXX and they responded after 1 hour and 15 minutes. They ended up telling me the exact same thing. Forbearance with a 3 month balloon payment at the end. 

Simple fix, add a couple months on to the maturity date. Let the next couple months pass for people affected by COVID 19. 

Please help!
Product: Credit reporting or other personal consumer reports

I have never opened or authorized these accounts and believe it has been reported in error or as a result of fraud. This unauthorized debt has negatively impacted my credit score and financial standing.

I immediately disputed this debt with Experian/Equifax/TransUnion, but the bureau has not removed the account. I also contacted Creditors/Companies to request verification of the debt, but they did not respond/provided insufficient proof. 


XX/XX/XXXX {$20000.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$12000.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$2200.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$2800.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$320.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$470.00} Disputed but company would not remove or show documentation Multiple inquires
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance Owed : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


11 XXXX - XXXX 06 XXXX - XXXX
Product: Money transfer, virtual currency, or money service

My bank account was accessed and money was fraudulently sent to another account. I not only filed a police report for theft by deception but I also filed it with chime. I have them the money back and instead of refunding my money and going after the person who stole over XXXX dollars they told me no error occurred even with the police stating no this was theft the money was stolen weve even put out a warrant for the persons arrest. My money was stolen and chime decided to believe it wasnt.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan with santander bank and I had stopped the automatic payments on this loan in XX/XX/2023 because I am going through a financial crisis and I am working with a company that is helping me with my debt. On XX/XX/2023 the Santander loan department took {$510.00} from my checking account without authorization and ignoring the stop automatic payment that I had for this loan. I called Santander bank to request a refund and they declined it saying that is their right to take money from my account even though I had stopped the automatic payments.
Product: Student loan

Requested approximately 2.5k refund. Only received a check for approximately {$100.00} so am missing most of the refund. Called the company ( EdFinancial ) multiple times over the course of a year and they only claimed they were investigating in a research report. But I still never receive dmy money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an 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 late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is still reporting inaccurate information to credit agencies, namely XXXX. The updates do not reflect payments made to the account as negotiated.
Product: Debt collection

ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX XXXX - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX status derogatory Unauthorized Inquiries : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear XXXX and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.