23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not receive this service, and my work signed me up for it without clear indication of a debt from this free program. I sent a letter 30 days ago to verify this debt with the collections company and they did not respond with any proof of obligation to this debt or that it is valid and mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing the information I sent to you all and reading Equifax 's response regarding the addresses being removed, I see they have deleted all addresses except XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I have already sent them the credits reports to you all that you all have sent to Equifax that it too should be deleted. My dispute regarding the removal of addresses has been ongoing for 3 months. Please resend this complaint and have them removed that address as well. It should have already been removed.
Product: Credit reporting or other personal consumer reports

my phone and information 's was once stolen it seems like someone open a account with capital one so now they trying to put this account on me when I'm not the one who open it just because my address and phone etc. showing on it as I once said of course it will show on it if someone found my information and applying with my information it seems like capital one can't understand were I'm coming from with this situation
Product: Credit card or prepaid card

We purchased flights on XXXX in XXXX for travel in XXXX using my Barclay credit card. In XXXX, the flight was cancelled by the airline. We are only being offered a voucher for travel and not a full refund as is the law when an airline cancels a flight. We have attempted to dispute this with the airline and they continue to refuse a refund, even after complaints were made with the Department of Transportation. Since XXXX, we have attempted to dispute the charge with Barclaycard as well, but our claim continues to be denied.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Arbitration & Compensation for Damages Due to Inaccurate Reporting and False Investigations Dear Experian Dispute Resolution Team, I am writing to formally demand arbitration and compensation for damages caused by Experians inaccurate reporting and failure to conduct a reasonable investigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Summary of Violations : Inaccurate Reporting : Experian has falsely reported inaccurate information regarding the following accounts : XXXX XXXX XXXX XXXX XXXX  Despite my formal disputes, Experian has continued to report these inaccuracies, damaging my creditworthiness. 
Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed information. 
Instead of properly verifying these accounts, Experian has failed to correct them, violating my rights under the FCRA. 
Damages Caused by Experians Violations : Due to Experians negligence, I have suffered financial harm, emotional distress, and reputational damage, including : Denial of credit opportunities Higher interest rates Emotional distress from financial hardship Demand for Resolution : To resolve this matter without further legal action, I demand the following : Immediate deletion and correction of all inaccurate information regarding XXXX XXXX XXXX and XXXX XXXX XXXX 
A detailed explanation of how Experian verified the disputed items. 
Monetary compensation of {$1000.00} per inaccurate account for a total of {$2000.00} for damages caused by Experians violations. 
Binding arbitration per Experians consumer agreement if a resolution is not reached. 
If Experian fails to comply within 15 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action for violations of the FCRA. 

This letter serves as a final notice before initiating arbitration and seeking further damages. I expect Experian to take immediate corrective action. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My Cash App card was stolen on XX/XX/2022 and multiple fraudulent charges were made. I disputed all of the fraudulent charges and the majority of them were refunded to me however 3 of the charges made totalling {$280.00} were not. These 3 charges were made tieframe wise in the middle of the other charges that were refunded to me as fraudulent however for some reason Cash App deemed these 3 charges as valid providing zero documentation for their basis for doing so other than a listing of the date of the charge, the amount, and the merchant name. I have disputed them at least 7 times with Cash App and they deny my claim everything without having any basis for doing so. They have essentially stolen my money. I want my funds placed back in my account and these fraudulent charges reversed immediately. Please please help me.
Product: Checking or savings account

I got an overdraft notice, looked at my account, there is a random persons check for almost {$600.00} that somehow took funds from my account. Wellsfargo made some kind of mistake and will not fund my account for at least 10 days.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed item despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result of this breach, fraudulent accounts and inquiries have been associated with my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account and inquiries from my credit report : Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$4400.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 : # 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 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: Credit reporting or other personal consumer reports

XXXX XXXX  reported my mortgage account has late payments. 

In accordance with Fair Credit Report Act, XXXX XXXX  has violated my right. 

15 U.S.C. 1681 section 602 of the Fair Credit Reporting Act ( FCRA ) states I have the right to privacy.

15 USC 1681 Section 604 A section 2 of the Fair Credit Reporting Act ( FCRA ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Section 605B. It is illegal to report information on my report without my permission.

Please permanently delete late payments from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian regarding several items on my credit report that are not mine and quite possibly a result of identity theft. Each time Experian states they have investigated the issue but have never provided any information related to how the information has been verified. 

Moreover, per the attachment to this complaint Experian has stated that since I have " previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute ''. I believe this is a direct violation of the regulations related to the reinvestigation of a dispute, specifically, [ 15 U.S.C. 1681i ], Section 611 ( a ) ( 1 ) ( A ) - In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

By letter dated XX/XX/2018 ( Attached ) and a three subsequent letters dated XX/XX/2018 ( also attached, USPS tracking, XXXX, XXXX, XXXX ) I have asked for information pertaining to the verification of these items.I have yet to receive any thing other than a generic reply letter explaining the debt has been verified. I am once again asking that Experian reinvestigate the dispute and provide the specific information pertaining to the verification and how they verified the information. 

Finally, I was able to have the information updated on the other two major credit bureaus very recently and I am unsure why Experian continues to send " form '' letters back to me without a reasonable explanation or specific information related to the " investigation '' of my dispute.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WORLD ACCEPT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.

WORLD ACCEPT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.

WORLD ACCEP
T Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2XXXX  XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Bank account or service

According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
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 proces 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 ( 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: Student loan

We DO NOT have any student loans but Navient is calling relentlessly. It is in error, there are not students with loans at this address or phone number XXXX They call at least 10 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to validate negative information furnished by XXXX XXXX XXXX to Experian the credit bureau. 
Neither company has provided me with any information to substantiate the negative marking on my credit profile. 

I asked Experian how the information reported was validated the information and received no response. 
I reached out to theXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX directly and received no response until XX/XX/XXXX, which is far past the time to BOTH of my requests and they also failed to provide me with any documentation to validate alleged debt according to the law. They responded that my request for an investigation was frivolous. 

I sent another request for validation that shows received on XX/XX/XXXX at XXXX XXXX.
Product: Debt collection

From XXXX i was a victim of identity theft for over XXXX dollars and i had notified the company even made police reports and nothing happened and then i find that it was reported to my credit that debt was trying to be collected
Product: Credit card or prepaid card

I made a purchase in Saks Fifth Avenue with the store credit card managed by Capital One. 
I never received the package and called the store to notify them. Store promised a refund and they said that refund will be in my credit card within 7 to 10 days. Refund never came to my card. 
I called back to check the status and then I was informed that they decided not to process the refund even that they promised. 
The I called the credit card department yo open a dispute per required in Regulation E. 
I was never provided with a temporary credit even that I took more than 10 days, the credit card disputes department never investigated or provided with a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an advance in my employment. When i received the information, my name appeared with a name I have never used. And the use of my name was incomplete on this portion of the report. I have a good idea who is behind this problem. I would like for this information to be considered for fraud. Please contact me for more information at XXXX. 
Just want this expunged so I can proceed with my life, and advance in my current employment. The report was run on XX/XX/2018 Thank you for your time in this matter XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I noticed my credit score dropped XXXX  points out of nowhere with no notification of what was causing the drop which usually a notification is shown when the credit score drops as to why it was decreased. My accounts are all in good standing, I have no recent inquiries, and no late payments. There is NO reason this should have dropped!!!! I have another investigation into Experian and it seems that they are not properly advising my issue and in fact, making it WORSE!!!! Experian needs to fix this ASAP!!!!!! They are purposely dropping my score and/or not correcting their mistakes!!!! See attached image.
Product: Payday loan

I borrowed {$600.00} as a short term loan and intended on paying it off. I was charged a {$150.00} cash advanced fee. They automatically took out {$96.00} out of my checking account, which I tried to stop and they failed to let me after I sent them emails and phone calls, which were of no help. Then they charged me a {$65.00} finance charge on the XXXX, which brought my total back up to $ XXXX.The next minimum payment is {$110.00}. {$65.00} would go towards the finance charge and the remaining {$48.00} would go towards the principal balance. Then they plan on charging me another {$65.00} finance charge on XXXX XXXX on top of the minimum payment.
Product: Debt collection

When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.
Product: Credit card or prepaid card

This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No CBNA/Sears card exists in my name. I have disputed this issue twice in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them.     This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus.     Their contact information is below.     CBNA/SEARS   XXXX   XXXX   XXXX      XXXX  Department  Stores    XXXX   XXXX   XXXX    XXXX   XXXX , SD  XXXX  BYMAILONLY
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Equifax requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have significantly impacted my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with the investigation results. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I have made diligent efforts to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report. 


I kindly request your immediate attention to this matter and ask to be kept informed of any progress made in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Kohls department store card which was opened on XX/XX/XXXX. The card was closed by me on XX/XX/XXXX. 

The situation here Is Kohls had agreed to remove this entire history off my credit report, the problem here is it is still on my file.