23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent validation letter after validation letter. The last two requests I sent out on XX/XX/2018 and I sent them to the addresses listed on my credit reports XXXX  XXXX/ XXXX- address : XXXX. XXXX XXXX XXXX, OH XXXX. I track the letter by using certified mail in which they received the document on Monday XX/XX/2018. They have failed to send me any information on validating the debt yet I received documents from XXXX XXXX in regards to the debt. When I checked on XXXX to see if the debt had been listed as being disputed it had not. However listed under XXXX  XXXX/ XXXX  and also under XXXX  XXXX/ XXXX they both state " Transferred to another lender or claim purchased ''. The debt has not been validated by either company and if the account has been transferred to another lender or claim purchased why are they still showing on my credit report as negative items. The debt has not been validated but yet they will not remove these negative items from my credit report. This is not right. If it is purchased by another lender why are they not on my credit report as me owing them a debt. I would like this investigated. I have all do documentation and will be uploading it. The amount they state I owe is XXXX which XXXX XXXX XXXX state I owe them. They have not given sufficient documentation either to prove I have accumulated this debt. I have no such knowledge of owing either of these companies which includes " XXXX XXXX XXXX, XXXX XXXX/ XXXX  or XXXX XXXX/ XXXX  .
Product: Mortgage

we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off XXXX XXXX XXXX. and we never agreed to any terms or did the ever try contacting us
Product: Debt collection

Hello CFPB and CCS Team, I am writing today because my credit is still being damaged by this company. I ask that my letter be reviewed and my credit report be updated with the removal of this account ASAP. 

I am being hindered from being able to move forward with my life due to this. 

Please cease and desist any and all communication and reporting of this account.
Product: Money transfer, virtual currency, or money service

I contacted PayPal concerning a purchase I made that was not as described. I didn't know until then it was from XXXX. PayPal forwarded me the address and stated to mail the product back send them the shipping information ( tracking number ) and as soon as seller receives it, I will be refunded the XXXX paid for this item which I did. PayPal denied my claim sent me an email that stated " because we did not receive valid proof or tracking that you returned the merchandise '' I found this inconceivable since they reimbursed me the shipping charge. I spoke with customer service rep XX/XX/XXXX and he stated they confirmed the package still at airport in customs. Now I'm without the item and my money because of the instructions I received from PayPal. Furthermore they are the one who provided me the address in an email which I have the mailing international form that it was sent to that address.
Product: Vehicle loan or lease

During covid, the company kept pushing payments back due to the pandemic and instead of them letting me know it was putting me behind and they came and repossessed my car. I talk to other places in relations to XXXX XXXX. The amount they say I paid is def incorrect, I feel I was cheated.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I applied for XXXX vehicle loan, Sage Stream has sent me a denial letter after applying for a vehicle loan based on length of residence too short ( lived there since XX/XX/XXXX ), limited history for consumer at this phone ( 12 YEARS! ) too few active accounts 5 Active CCs. This is inaccurately reporting facts about my history. When XXXX this company SCAM ALERTS pop up all over the place
Product: Credit card or prepaid card

US Bank Reliacard is intentionally and knowingly depriving me of my right to access my money. They are doing this SOLELY to retaliate against me for filing a CFPB Complaint about their willful violations. 

They unexpectedly froze my card on XX/XX/2020 to retaliate. They demanded excessive documents claiming they need it to evaluate my eligibility for unemployment. That is the job of the Texas Workforce Commission, who is trying to get the money back from Reliacard to deposit into my personal checking account elsewhere.

Nevertheless, I sent all requested documents, and the fax was confirmed received. I also emailed it to the executive office and demanded my money. For my security and privacy, I won't attach the documents to this complaint because it includes my social security card. 


Despite having all requested documents ( plus more, as I included my Id card to explain the confidential address on my driver 's license as a XXXX XXXX survivor ), US Bank Reliacard continues to deprive me of the money in my account, {$410.00}. They won't even come with the request to return the deposit by the known remitter of the funds. US Bank Reliacard.
Product: Checking or savings account

US bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is not appropriately identifying individuals opening accounts. XXXX XXXX XXXX if not more of cash deposits are being deposited each year by individuals from Unknown origins. I believe the bank manager is helping aide this scheme.
Product: Debt collection

Transunion is a massive multibillion dollar company without competitors and within a business setting that has no competitors. To justify these massive profits that company needs to address the needs of tens of millions of customers and at least in my case the massive destruction done to my credit has not been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX.
Product: Credit card

I settled the debt and the account still show on my credit. I was told it would be removed after paid.
Product: Checking or savings account

Coinbase, a cryptocurrency exchange, made several unauthorized withdrawals from my checking account, totaling {$850.00} on XX/XX/2019. If this action is repeated in XXXX, it may drain my checking account and/or result in overdraft fees. Please assist me with this problem. Thank you.
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 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 :
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report. I sent a letter to equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : Account number XXXX, Account number XXXX, Account number XXXX, XX/XX/year> they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do
Product: Credit reporting or other personal consumer reports

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that TransUnion and XXXX have already acknowledged and corrected this error, I expect TransUnion to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints.

Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Checking or savings account

My name is XXXX XXXX, and I bank at Golden One in XXXXXXXX XXXX, off XXXX. I've had problems with deposits to my accounts, being pulled out ; illegally, I spoke to XXXX different tellers, XXXX being a banking XXXX, and no assistance was given to me, my funds were taken, and never credited back to my account, this has been an ongoing issue, prior to this bank changing locations, here in XXXX XXXX, I am also displaced as a result if a specific form of harassments, from affiliates of my sons, who unfortunately, in their youth, joined a group of militia, and this has been an ongoing night, because of the harassments, along with illegally being displaced from my homes, forced into the streets, and sleeping outside. Over a decade, I have endured various forms of harassments, my banking should not be affected illegally, this is privacy issues, theft, discrimination, and embezzlement. XXXX check that I deposited back in XXXX of XXXX, was XXXX, and the bank pulled it, another occasion, where I emailed a gentleman working there, in XXXX, XXXX, someone pulled XXXX, then its various hits XXXX here, XXXX there, all of which had been appropriately reported, from an email address of XXXX, no assistance, and in fact, I have not been able to access that particular email account, for a variety of malicious reasons, and evidence. Please give me a call to further assist. I appreciate your rapid response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

i hired a marketing company to start a Pay per Click ad campaign. I had two months worth of services. I paid for one month of the services and the other month i fell behind because our business started to slump dramatically. We are on the verge of going out of business and i was contacted by this collection agency and they claimed i owe XXXX when in fact i only owe {$600.00}. im willing to make payments on the {$600.00} and only the XXXX XXXX because we are under substantial financial hardship. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items listed need to be disputed : XXXX XXXX XXXX  XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

Got car from Chase over 10 years ago made all the pymts was late on a few refused to give me my title. 
Recently I checked my credit report Chase account was closed.I wrote to Chase to ask for forgiveness, for the money owed is because I was late. PAID entire loan. Chase never wrote back and did something to my credit that I lost XXXX points. Does Chase really need that {$400.00} that badly I beg for forgiveness due to bad financial status. Can't repossess the car because it's XXXX XXXX XXXX they can't give me my title after all these years. 
They really need that {$400.00} that badly as I struggle everyday to survive. I'm a United States veteran I work for the county and serve the kids every single day at the school. I think it's pretty XXXX that Chase can't make an exception over {$400.00}. My credit score was almost XXXX until I decided to write Chase and be a little bit honest but no XXXX points came off my credit scorXXXX. XXXX points really. I have no credit cards only one loan through XXXX XXXX account that I'm never late I'm 100 % on time every month. What do I get XXXX point for that and XXXX points taken away for a loan that's over XXXX XXXX XXXX 'm trying very very hard to get my credit back on track. Does Chase really they need that {$400.00} that badly that they're ruining my credit over a loan that was taken out 11 to 12 years ago how long is this going to haunt me? I have absolutely no credit cards because I refuse to get them. My only loan is through XXXX and it is 100 %. I have nothing in collections and Chase is ruining my life. I don't understand how I can make 100 % payments on XXXX in the last 9 years and get XXXX points ahead, and for a loan that I took out 12 years ago XXXX points was taken off my credit score who makes these rules?
Product: Payday loan, title loan, or personal loan

My problem isnt with these companies, but with my bank. I have used these apps for more than a year, maybe two. Now all of a sudden my bank will not let me connect and link my account. I don't know what the issue is, or what my bank changed. I'm not sure if you can even help me, but your site was given as an option with these apps to help. I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.