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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Product: Debt collection

Around XXXX XXXX XXXX, my bank notified me of a Garnishment on a shared family account. It was from Portfolio Recovery Associates LLC. The bank provided me with a case number and a phone number for an attorney associated with Portfolio Recovery. I contacted them immediately, and asked for copies of the Court Case, but was told they had no idea who I was and hung up. 

I have attempted to contact Portfolio Recovery numerous times for copies of the actual debt, the Summons and Complaint, any exhibits used for court, Proof of Service, and the Judgment. The only case number I was given was from the Bank which is XXXX However, I can not even locate what state this alleged Court Case was in. 

I have requested this paperwork continually over the last few years, but still have not been provided any of it. 

This is the second complaint I have filed with the CFPB on this matter as well.
Product: Student loan

Yesterday, I received a letter electronically from Mohela saying that my account had been put on administrative forbearance. I believe this is due to their need for time to figure out why I have not been billed yet - I had originally contacted them because they never sent me a bill even though I should be in repayment and I was afraid of defaulting. However the forbearance letter does not list all of my loans. It appears that half of my loans are now on forbearance and half are not. So I am still afraid of defaulting on the loans not in forbearance. I very much would like to make a payment on my loans, but it appears MOHELA is too understaffed to quickly get me into the SAVE program and send me a bill for the correct amount.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I contacted cashapp support with an issue that I needed help resolving due to not having reached a solution when trying to resolve the way that they had directed me to after having contacted them via chat. They asked me what the issue was and I had responded by letting them know that I had sent money to the wrong person in the amount of {$200.00} and they asked me to select the transaction that I needed assistance with. I did just that and they went on to respond with a list of information they needed from me ( full legal name of the person I meant to send the funds to originally, their cash tag, and their phone number and/or email ) which I quickly replied with the information requested just for them to answer back refusing to further assist me and gave me some tips on how to prevent the issue from happened again in the future. They had said they are unable to reverse the transaction or refund it and that the only step I can take to reach a proper solution is to send a refund request to the person I had accidentally sent the funds to. Well, I did just that and of course, that person declined my refund request for {$200.00}. Says a lot about that person 's character. Anyway, I proceeded to call cash app support by phone and I was asked the same questions and given the same responses which ended with me being denied having the funds reversed or refunded since its a completed payment. I know that it is not impossible for them to get my money back and to pull it from the persons account that it was accidentally sent to. So I asked to speak to a supervisor to further assist me and they kept me on hold for abojt XXXX minutes and told me there is no manager available and that I could have them forward me by email to a manager and they would contact me at their earliest convenience. Whatever that means... I then asked them why they couldn't reverse the funds and she told me she has provided me with all of the information there is to provide and that there is nothing else there is to tell me that could answer my question and then hung up on me. I went to the chat page for customer support and asked to have a manager contact me and was basically told that they have addressed the current issue and there is nothing else they can do. {$200.00} is a lot of money to just give away to someone that it's not meant for. That was all I had and I just have to accept that someone else received it and I'm out of pocket. That is not okay at all. I don't know how else to get the help k need so that I can get my funds back that I am entitled to. So this is my next attempt. I hope this will be my final attempt and be the answer I need to finally resolve this matter. Thank you for listening to my complaint.
Product: Prepaid card

I received a CARD.com XXXX card in the mail on XX/XX/2024. I did not request the card nor do I intend to activate or use the card/account. Isn't this against the rules and could subject me to potential fraud? 

The card is issued by XXXX XXXX XXXX XXXX 

I attempted to contact card.com via online and via phone. They requested my XXXX # to before I could go any further. I would not provide that in an unsolicited mailing. 

I am holding the materials until I hear response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice inaccurate and incomplete items on my account from XXXX, EQUIFAX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX account number 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 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, 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.
Product: Credit card

Macys is reporting me late on  XXXX   2016 which  is incorrect. This late payment was never on there before and when they adjusted my account to remove the late payments and credit my account {$10.00}, that is when it showed up.
Product: Debt collection

On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.
Product: Credit reporting or other personal consumer reports

I sent out the same request on five separate dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ) asking how this was filed and explaining that this is not mine. I have never filed bankruptcy and do not understand how this is being reported on my credit report. I have not received any response to the multiple requests. This is causing several issues for me and needs to be resolved as soon as possible.
Product: Debt collection

On XXXX XXXX, 2016 I requested VOD from an item reporting to my credit report. The collection agency listed does not clearly state who the original creditor is. I requested the VOD and sent a copy of my identification, my social security card and proof of address. Yesterday I received a letter from the collection agency with supposed VOD. Not only am I the wrong consumer, they include personal information including name, social and address of their debtor in the letter they sent me. It clearly proves that I am NOT the debtor in their file. The documents they forwarded to me do NOT have my name, address or social security number. This collection agency has violated right of privacy by sending me VOD that which belongs to someone else. They have violated FDCPA laws by incorrectly reporting this debt to my credit report damaging my file. I clearly proved my name, address, and valid social security number ; however, they ignored this data and sent me a bill in someone else name. I am demanding this incorrect debt to be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$720.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. XXXX a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.
Product: Student loan

To Whom It May Concern : This letter is a follow up to my original letter dated XXXX/XXXX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under NAVIENT. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. please delete this erroneous reporting from my credit report I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my address updated. I have asked XXXX, Equifax, and XXXX  to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXXXXXX, MI XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX, or XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX
Product: Checking or savings account

I opened an checking/savings account at Laurel Road on XXXX. I didn't have any issues until I finally tried to withdraw my money. I have over XXXX XXXX in the account and at the time the account was frozen. They claimed it was due to fraud and asked if I XXXX XXXX XXXX to which I said yes. They said they would forward this info and I should hear back. It has been over XXXX weeks and they won't release the funds. I need the money to pay off a credit card bill. They told me they can't even close the account and send me my money. Basically they are holding my money without letting me access it with no visibility to when I will get my funds. If I miss this credit card payment it will result in a high fee which is unacceptable. I need Laurel Road to unlock my account at which time I will remove my money and close the account. This is very unacceptable for a bank to do.
Product: Money transfers

I wanted to send money to my mother in XXXX through MoneyGram on Tuesday XX/XX/XXXX. First, I had to verify who I was by sending a copy of a bank statement and a copy of my driver 's license after giving them multiple ways to verify my identity online. I spent two hours on the telephone with them but they were not satisfied with my answers ; therefore, I was treated like a criminal and had to send proof of who I am. Second, I was finally granted permission to send the money yesterday ( XX/XX/XXXX ). I filled out the online form exactly as I was asked to do. When prompted to fill out my mother 's information, I was asked for her first name and last name. Nothing else was marked as required or necessary information. Today my mother went to collect the money. She was told that she could not collect the money because I had not given her middle name and second last name. Why did MoneyGram not ask me for that information when I was filling the form online? I CLEARLY MARKED the money was going to XXXX. If they knew that my mother was going to be required to provide identification with all XXXX of her names, then why did they not prompt me to give them all XXXX names? Why was my transaction approved on my end if they knew that the money was not going to be delivered in XXXX because I had not given ALL THE NECESSARY INFORMATION. I paid for a transaction that could not be finished because of their negligence in letting me know ALL THE INFORMATION NEEDED on the other end. When my mother let me know that she could not collect the money, I called MoneyGram to correct the situation and I was told that I had been given THE CHOICE of adding more names but I was NOT told I HAD TO DO IT FOR THE TRANSACTION TO BE TRULY COMPLETED. They told me that my only option was to cancel the transaction on my end and expect a refund in 12 BUSINESS DAYS. Last night they took my money and were ready to send it to XXXX in 15 minutes. Now I have to wait to get my money back 12 BUSINESS DAYS. PLUS, THE MOST IMPORTANT THING, MY MOTHER STILL DOES NOT HAVE THE MONEY SHE NEEDS RIGHT NOW. I AM DISGUSTED. I WAS TREATED LIKE A CRIMINAL AND HAD TO PROVE MY IDENTITY. AFTER PUTTING ME THROUGH THAT ORDEAL, I WAS NOT GIVEN ALL THE INFORMATION NECESSARY SO THAT MY MOTHER COULD PICK UP THE MONEY IN XXXX. THIS IS DISGRACEFUL. I AM A XXXX AND CURRENTLY A XXXX WORKING ON MY XXXX DEGREE sending money to my family in XXXX. I AM NOT A SCOUNDREL LOOKING TO MAKE A QUICK BUCK OR STEAL FROM ANYONE. BECAUSE OF THEIR NEGLIGENCE, I was made to feel like a common criminal and even after I complied with their demands, they DID NOT PROVIDE THE SERVICE I PAID FOR BECAUSE THEY DID NOT GIVE ME ALL THE INFORMATION I NEEDED AND MY MOTHER NEEDED. MY MOTHER IS XXXX YEARS OLD and SICK. SHE DOES NOT NEED THIS KIND OF XXXX. THIS IS SHAMEFUL!!!!!
Product: Debt collection

LVNV Funding is inaccuratel reporting information on my credit report which is a violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has Violated my rights! 

15 U.S.C 1681 Section 602A 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 with out my written instructions.
Product: Checking or savings account

This is my second complaint about the same issue. I did not receive my full amount of funds from the account that closed. XXXX is missing. They said they will issue a check but still havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have enrolled in Experian 's Credit Works credit monitoring service. I currently pay XXXX per month for unlimited daily access to my Experian credit report and score. 

However, I am unable to dispute anything online. I receive an error message that there are technical difficulties and they are working on resolving the issue. 

I recently had to send in my dispute via USPS and when they emailed me saying the results were ready, I was unable to view them online. I never received written correspondence of the results so I don't know what they are. 

I had a similar problem a couple years back and they discovered the file size was too large mainly due to the number of soft inquiries. Experian ended up purging the soft inquiries from my report in effort to reduce the size of the file. I'm not sure if this is the same problem I am experiencing or something else. 

I have contacted Experian Credit Works at the phone number listed on the attachment, but I keep getting transferred to different departments and no one has been able to help.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX