23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the validity of the debt listed under Account # XXXX my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am requesting that you provide me with the name of the original creditor associated with this account. Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting detailed information regarding the alleged debt, including the amount owed and a breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of validating the accuracy of the debt amount, as mandated by law. Additionally, I assert my rights under the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1666b, 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 15 USC 1692 c, d, e ) to ensure that this account is reported accurately and fairly by all credit reporting agencies. Please note that this dispute letter serves as a formal request for validation and verification of the debt. Until such time as this information is provided to me in writing, I insist that you cease all collection activities on this account and refrain from reporting it to any credit reporting agencies. I expect a prompt response to this matter within 30 days as required by law. Failure to provide the requested information within this timeframe will result in further action to protect my rights under the law. Thank you for your prompt attention to this matter. The same account has already been removed from the other credit reporting agencies XXXX and XXXX and you still continue to report inaccurate information
Product: Credit reporting

Equifax- XXXX XXXX Account # XXXX Equifax has continually listed the incorrect information on my credit file for over 1 year. I have been disputing this account and Equifax has continue to say that the Account was verify and is correct, I also did a consumer dispute with CFPB # XXXX against the original Credit XXXX XXXX which have verify the Equifax is reporting the incorrect date for first delinquency date which is causing the negative account to remain on my credit report and this account should have been purge/deleted XXXX XXXX. I disputed the account again after I got the letter with t with Equifax on XXXX/XXXX/XXXX confirmation XXXXand was given the same response even with the letter from XXXX was attached to the dispute. This is affecting my credit as I am being denied because of the outdating negative information. This account has been removed from the other Credit reporting agencies XX/XX/XXXX. I need some help trying to get this corrected, all my efforts have failed. I have attached a copy of the letter from XXXX and the results fro Equifax. Thank You.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX RECEIVED TEXT FROM CHASE BANK ASKING IF I AUTHORIZED A XXXX TRANSFER IN AMT OF {$5000.00}, I REPLIED NO, GOT A CALL FROM WHO I THOUGHT WAS CHASE REP. WHO MADE ME TRANSFER {$5000.00} TO ANOTHER ACCOUNT TO REVERSE A XXXX TRANSFER FROM A WALMART THAT WAS COMING OUT AT XXXX, I DID... I HAD TO CHANGE MY NAME TO XXXX XXXX ( AS YOU SEE BEFORE I WAS XXXX ) AND THEY MADE THEIR SUPERVISOR AUTHORIZED USER. ( SEE SCREENSHOT ) - CALL RECORDED BUT WON'T UPLOAD XX/XX/XXXX CALLED AGAIN AT XXXX AND SAID THE REVRSAL UNSUCCESSFUL AND TO TRANSFER ANOTHER {$5000.00} ( HAVE A CALL RECORDG ) XXXX XXXX MONDAY ACCT WAS XXXX AND ANOTHER COUNT ALMOST GONE, CALLED CHASE XXXX XXXX AND THEY HAD ME TRANSFER {$5000.00} AGAIN ( CALL RECORDED ), THEY TRIED A XXXX TIME BUT IT WAS DENIED BY BANK- SEE SCREENSHOT, LEFT ME FOR BROKE AND THEY HUNG UP FRAUD INVESTIGATED FOR 10 DAYS AND SAID THAT I WAS SCAMMED AND IT WASN'T THEIR FAULT. WELL IT IS NOT MY FAULT THEY WERE CALLING AND INTERCEPTING CHASE PHONE CALLS. IM AT OUT {$15000.00}. LOCAL BRANCH COULD NOT HELP. 

MY NAME CHANGED FROM XXXX TO XXXX XXXX... THEY MADE ME DO IT. 
WHY WOULD I XXXX  MYSELF MONEY? 
ON MONEY, I JUST WENT INTO MY CALL LOGS AND CALLED THE NUMBER THAT CALLED ME INITIALLY ON XX/XX/XXXX IT IS CHASE BANK AND THESE MEN ARE ANSWERING PHONE. THEY MIGHT WORK THERE!! 

CHASE WILL NOT LISTEN TO MY CALL RECORDINGS THIS LINK IS AN ARTICLE THAT DESCRIBES EXACTLY WHAT HAPPENED TO ME TO A LADY IN LA. WHERE CHASE SCAMMED HER AND GAVE HER THE RUNAROUND. 
https : XXXX another article is EXACTLY what happen to me https : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX EVERYTIME THEY CALLED FROM THE SAME CHASE PHONE NUMBER AND IN FACT THE LAST TIME I CALLED ON XX/XX/XXXX AFTER SITTING ON HOLD WITH THEM FOR AN HOUR, CALL HUNG UP AND THEY CALLED ME. I BELIEVE THEY HAVE ACCESS TO MY INFORMATION. 

DATA AND SECURITY BREACH FROM CHASE AND SCAM, THEY NEED TO RE-IMBURSE ME I HAVE CALLS RECORDED THAT WERE MADE THAT COULD BE EXTREMELY PERTINENT IN PROVING THIS IS A SCAM THE POLICE REPORT THAT I MAKE IS NOT YET READY.
Product: Checking or savings account

On XX/XX/2022 someone called my phone from chase banks phone number so I presumed it was a bank customer representative & I asked them all the questions you would ask a representative I'd number what department & so on. He confirmed everything. He proceeded to say someone was hacking my account so I needed to move my money I thought I was talking to a chase rep so I trusted him. So I gave him the codes he messaged me & everything else thinking okay my money for my bills is going to be safe I never thought Id be getting scammed. He proceeded to take all of my money & after he learned I had no more accounts he hung up on me that's when I knew it was a scan. I have the phone number he called from I have a scam blocker on my phone so it got through because it was a legit number have the emails & everything the bank is denying my money because they're saying it was an authorized transaction when I clearly was not approve of this. I'm XXXX on a fixed income only get paid once a month & that was all the money I had left. I really need it. & they just said no. I don't understand why they wouldn't protect their customers or let them know a scam is going around either because i wasn't aware of it at all. If you need anything from me let me know I have it all. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Product: Credit card or prepaid card

I had a checking account with Wells Fargo. ( I had had this account for 16 years ). This account was linked to my Wells Fargo credit card. Each month I could automatically pay my Wells Fargo credit card bill. I had it set up so that if I took no action the minimum required payment would automatically be taken out of this Wells Fargo checking account. That way even if I got busy my credit card would always be paid on time! Out of no where in XXXX 2017 Wells Fargo closed this checking account. Because they closed this account my credit card payments on the Wells Fargo credit card were then NOT being paid. I was totally unaware of this and I do not believe that Wells Fargo did enough to notify me that they were closing this checking account. It was very surprising especially since I had had that account for so long.
Apparently they had changed their policy and this account was being closed because it did not have the required number of transactions per month. I never got a phone call to notify me of this information. To me this is especially shocking and upsetting since I had been a customer for such a long time and had a record of paying my bill on time. Then Wells Fargo started to send me letters stating that my balance had not been paid. I received the first letter on XXXX XXXX, I did n't look at the letter at the time as my XXXX child had been born the XXXX XXXX. By XXXX XXXX, they sent me another letter stating that I was delinquent on this account and that a payment of XXXX had to be paid immediately. I also did n't get this letter until several days later. Finally I got another letter on XXXX XXXX that stated that I had to pay a minimum of XXXX. This was the first time that this matter was brought to my attention and I was horrified. I immediately paid the XXXX. Even though I worked hard to rectify this situation Wells Fargo still put a hit on my credit score. This has severely impacted my credit score. Currently I am trying to buy a new home and my ability to lock in a competitive rate is being affected by my low credit score. All of this had happened because Wells Fargo closed an account I had that was paying them on time every month. I feel that this situation was Wells Fargo 's fault. As they first set me up to not pay my credit card bill, then charged me enormous fees when my payment was late and then finally they hit my credit score and damaged my credit history when none of this was my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX
Product: Credit card

Amazon Prime s ent me on  XXXX   XXXX  an renewal membership online for its product offering this credit card through Chase Bank I remember that I had this membership closed it on  XXXX  for the same reason I did not want it and I would cancel This Service a year ago and I told them no to offer it me anymore For some reason maybe my misunderstanding online They did renew it again my membership that I did not authorize, I called to Chase Credit card on mids of  XXXX   XXXX , They told me that I Dont worry about it, that I Have to call Amazon to Let them know and They were going to solve it all, I did talk to them again as per today  XXXX  and They said that I Have to file a dispute on writing even I said to them that operation has never had my permission That is why I am filing this complaint
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to maximum accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. 

1-iDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS IS NOT MINE
Product: Debt collection

XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit bureaus.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
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 action 's have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We purchased our home in XXXX 2021, the mortgage company never paid the full balance of our property taxes from our escrow account at closing. In addition, they over charged us the entire year, and at one point we had XXXX in our escrow account. We received tax notices of taxes due from underpayment and contacted the mortgage company. Emailed the tax notices to them for payment, they never paid them. Months later we get correspondence that states that we over paid them $ XXXX and would be receiving a check back for that amount within 30 days. It has been almost 60 days, a dozen phone calls- where we are always hung up on, and no reimbursement to us has been received. The second half of the balance due taxes are due in 45 days, and we need the money we paid the mortgage company to pay those taxes.
Product: Credit card or prepaid card

The company opploans is sending approval notices back to back to my home address implying that I can secure a personal loan up to {$4000.00} with a pre-approved status with a offer code and expiration date, it is a apply online asking for routing and account information and a fast funding option.
Product: Debt collection

had multiple phone calls on XXXX XXXX 2017from # XXXX out of XXXX XXXX XXXX. Was told that I need to call another number before a lawsuit was filed against me then right after that the other number called which is XXXX. The person told me That he was from a lawyer office and I was trying to be reached by certified letter and could n't be found cause my address was n't correct, over a over draft bank account that was sent to collections. He was very demanding about getting it paid right then and it was {$1500.00} but he would take {$980.00} now. The account that he was trying to refer to was taken care of before I was able to open a new account, and the amount was only {$400.00}. I attach a picture of an email that he sent the day of on who he was where he worked and what he tried to get me to agree to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.
Product: Student loan

I received the loan repayment information in the mail stating that I needed to begin repaying the Parent Plus Loans my daughter used to go to college on. I told them that I could not make those payment at this time due to my financial hardship I was going through. The told me that they could offer me a foreberance on the loan until I can make the payments. I ask what was that, and they explained to me that I would not have to pay right now and I would be allowed to take a break from making payments I said OK but I was not told that the interest was going to continue to pile up against my loan. The loan was for {$40000.00} and now I believe it had grown to over {$100000.00} with the tacked on interest that is now due. I do n't think that was fair to me for them to pile that interest on me without offering me something else.
Product: Credit reporting or other personal consumer reports

On XXXX a fraud alert/a frozen file was place on my Experian credit report and file, as I am a victim of ID theft. There is specific instruction to contact me before releasing my information. Experian has chosen to forgo federal regulations and shared my credit report with the following finance companies without my consent : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 -XXXX XXXX XX/XX/2024 -XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 -XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 ( not an error ) XXXX XXXXXXXX  XX/XX/2024 -XXXX XXXX  XX/XX/2024 Moments later I received an email stating my credit report was unfrozen and XXXX XX/XX/2024 I received another email from Experian stating that it is frozen again. I have not authorized any other these transactions. 

I called Experian on XX/XX/2024 and a representative confirmed that these hard inquiries were made. I asked for the Legal Department, I was placed on hold for XXXX minutes then hung up on.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report from XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX ). These inquiries were not authorized by me and are negatively affecting my credit score. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquiry Date : [ XXXX ] XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) Inquiry Date : [ XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be included on my credit report. I have contacted Experian to dispute these inquiries, but they remain unresolved.

I kindly request that the CFPB investigate this matter to ensure compliance with the FCRA and the accuracy of my credit report.

Thank you for your attention to this issue. 

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

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. XXXX XXXX  Account XXXX : XXXX Please Delete this account.
Product: Credit card or prepaid card

A few weeks ago I was notified that someone checked my credit. As I looked into it I found that TD Credit Card Services had done an inquiry. I called TD Card Services, their automated system validated me with my phone number and last 4 of my ssn. The automated system then told me that I had a XXXX   balance and a {$4200.00} credit limit. After an hour on hold I spoke to a live person who told me there was no record of an account in my name or phone number. He could not explain why the TD Card automated system told me there was an account. I asked to have a supervisor from the fraud dept call me back and he said they would. I never received a call. Next day I placed a fraud alert with the credit reporting agencies. 

On XX/XX/XXXX I received a letter in the mail from the Department of accounts and inside is a congratulations from XXXX XXXX which included my complete 16 digit account number and showing a credit limit of {$4200.00}. It was issued by TD Card Services. I immediately called TD Card Services and was left on hold for 3-1/2 hours from approximately XXXX XXXX  until XXXX XXXX  on XXXX. Note that the automated system again indicated that I had available credit of {$4200.00}. Today, XX/XX/2020 at exactly XXXX XXXX  I again called XXXX and spoke to XXXX. XXXX attempted to transfer me to the fraud dept but I was promptly disconnected. I immediately called back and have been on hold for 1 hour and 15 minutes now. 

Someone has obviously obtained credit in my name and the credit card company will not answer the phone! My credit score runs between 800 and 850. Are there any regulations that require credit issuers to answer the phone and provide support. This company clearly is not doing that! Please help! 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX/experian released my report without my written consent and violated my federally protected rights XXXX is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting XXXX hard inquiries on my Equifax credit report. I contacted Equifax and this is confirmed inaccurate. Equifax is reporting XXXX hard inquiries. I want this to reflect accurately on XXXX XXXX  as I have tried to contact support numerous times without avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian / XXXX  / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the Regional Manager XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now!

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from Experian and XXXX. Thank you and happy new year