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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Product: Debt collection

I signed up for a college class which I never took. I was charged non the less. Now they are trying to collect money they are not owed. This is fraud.
Product: Credit reporting or other personal consumer reports

I first asked that incorrect addresses and names be removed. They did remove those and then I asked on 3 occasions 3 different letters were sent to verify accounts on my report. All I received from them was letter saying they are all proved to be accurate but no other info was sent. My info was sold and bought illegally my info was in the Equifax security breach. I have spent lot of time throughout XXXX and XXXX trying to get this fixed but yet nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX
Product: Student loan

Thank you for your letter dated XX/XX/XXXX, wherein you confirm my outstanding balance as requested. You have overlooked or ignored my request. I have made no inquiries, however, my notarized notice that was sent has gone unanswered. On the referenced matter, I would need your confirmation that you would accept full payment of the obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form and produce all other requested documentation. 

NAVIENT has dishonored a notice that was sent regarding student loan # XXXX. The notice was sent on XX/XX/XXXX certified mail return receipt # XXXX and there has been no valid response, nor have I received the requested documentation. The servicer NAVIENT must produce ALL requested documentation. I will conclude that you are either unable or unwilling to comply. I will thereafter consider the matter between us to have been legally and financially settled if documentation is not received on or before XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}
Product: Checking or savings account

Friend of mine passed away XX/XX/2020. I was named Successor Trustee on his Trust. Closed account at Chase Bank the first week of XXXX, but second account was in his personal name. Was told to get Letters of Administration, and become Personal Rep. Contacted attorney. Went back with LOA and death certificate, and account was now turned over to Deceased Client Department. When calling that Dept, no one answers the phone. Had to email. In XXXX, rep called me back to say that they needed a Trust Certification. I explained that I already closed out the Trust Account, but then she said that the Trust was the beneficiary of personal checking  account. I did not need to supply Chase Bank with LOA, and I should have been able to close the account the first week of XXXX when I closed the Trust Account. Now that they have seen that they misguided me, they are now holding the Social Security payment made on XX/XX/XXXX. Branch Manager said I needed letter from Social Security stating that the funds would not be reclaimed. SS rep said there is no letter because ss payments are paid in arrears and he is entitled to the check because he lived until XX/XX/XXXX. Chase Bank also said that they have a contractual agreement to hold the funds for 6 months unless I get a letter. SS also said there is no such rule. Now SS needs to get in touch with them and tell them I am entitle to the funds, so they can go to the estate. What a waist of time.
Product: Debt collection

am writing to file a complaint against Jefferson Capital Systems LLC, regarding their violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. This complaint concerns an alleged debt related to a XXXX charge-off in the amount of {$1300.00}. 

Details of the Violation : Creditor : XXXX Amount : {$1300.00} Collection Agency : Jefferson Capital Systems LLC Reference Number : XXXX Description of the Violation : Jefferson Capital Systems LLC has engaged in practices that violate USC 1692c, which outlines proper communication protocols in connection with debt collection. Specifically : They contacted me at times and locations that I have explicitly stated as inconvenient. Continued communication after being notified in writing that I refuse to pay the debt and wish for all further communication to cease. 

They disclosed information about this debt to unauthorized third parties without my consent. 

These actions are intrusive, harassing, and directly violate the federal law designed to protect consumers from abusive debt collection practices.
Product: Credit card

I missed my XX/XX/year> payment, I used the rewards I had accumulated to apply them against the outstanding payment. I did get notification of the payment that was applied. However, they still send emails stating I missed the XXXX payment as well as threatening to send me to collections if I dont pay by XX/XX/XXXX. Along with their exorbitant interest rates, and the fact I very seldom miss a payment, these XXXX  treat you like you havent made a payment in months. Discover is a XXXX  credit card company.
Product: Checking or savings account

I opened a SERVE checking account and was only making deposits into this account for things I needed in the future. I requested the Bank to pay a bill by depositing money from my account into another account XXXX. I Provided my account number for the XXXX deposit and I waited to see the money be transferred into my account. It was on the XX/XX/2023. After attempting to call this Bank customer service I found that the only way to get in touch with a live agent was to go through the list or stolen card prompt ; I did talk to many many agents who just shuffled me from one person to another. I finally called XXXX to see what could be done after SERVE insisted that I call them to get a resolve but they could not do anything but advised me to keep checking my account. Finally a check arrived to my mailbox addressed to XXXX, with the XXXX account number on the check. I called XXXX back after I could not deposit the check via mobile app without direct deposit but they advised me to take the check to XXXX, XXXX or XXXX which are stores that can handle a deposit of funds into my account. After visit XXXX and other stores they inform me that they could not deposit the check because it was not in my name but made out to XXXX. I even tried to deposit the check into my personal major Bank account but again was told that the check had to be playable to me, in my name to be able to cashed or deposited into my account. After this I began to be Leary and called SERVE Bank on several occasions and tried to explain my situation asking that they cancel the current check and replaced the money back into my account. After countless of unexplained dropped calls the customer service representative just hang the phone up in my face and now it seems as if my phone number is recognized and it is not even being answered now. I have vowed to get my money out of this bank and close the account but I need help with this problem. I am not able to get a resolution or response to the right person to fix this wrong and it it just not right to withhold my money like this. I am seeking your help with this situation and I thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for several credit cards including XXXX and XXXX. was told I am being denied because of negative info on my credit repport the companies received from experian. Asked experian for a copy of my report, they refuse to mail a copy to me unless I mail them a copy of my drivers license and other documentation. I believe the info they a re asking me to submit in order to receive my credit report which I am entitled to receive under the law when turned down for credit is illegal.
Product: Credit card

I paid XXXX for a food service which was cancelled and I was told I would get refunded, after disputing the transaction the banks have declined it without providing documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My dispute is for a fraudulent credit card showing on my credit report, which is affecting my credit score and is preventing me from getting a loan. The card was issued by XXXX XXXX. It was opened on XX/XX/scrub> 2024, shows a balance of {$12000.00} and its delinquent. I already disputed it with all three credit bureaus, but Experian ask me to file a fraud report with you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service at unfair practice which violates the consumers financial protection act. Pacifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable. Furthermore the dispute resolution process was unfair and deceptive, as they did not comply with their revolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

IN THE BEGINNING OF COVID-19 I WA STRUGGLING TO MAKE MY MORTGAGE PAYMENTS DUE TO THE FACT THAT FIRST OF ALL I HAD LOST A FEW FAMILY MEMBERS DUE TO THE AWFUL COVID, I MYSELF WEBT THRU COVID, AND TO COMPLETE IT ALL, I LOST INCOME COMING IN TO ME. 
I REACHED OUT TO WELLSFARGO REGARDING THE FACT INWAS STRUGGLING TO MAKE MY MONTHLY MORTGAGE PAYMENTS IF THEY COULD AT LEAST EXTENT MY MORTGAGE TO EXTRA YEARS IN WHICH IT COULD HELP LOWER MY MONTHLY PAYMENTS INTO A MORE AFFORDABLE AMOUNTS. WELLSFAGO DECIDED TO PROVIDE ME A FORBEARANCE WHICH JUST ADDED MORE TO MY ALREADY HIGH MORTGAGE BALANCE. THEY COULD HAVE EXTENDED MY MORTGAGE AND I WOULD NOT BE PAYING STRUGGLING MONTHLY PAYMENTS.
Product: Credit card or prepaid card

I destroyed my VISA Debit Card by mistake, the name of the Card was very irritating ( XXXX   XXXX XXXX - Part of my spouses name ) and I was thinking it is a fake Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a vehicle loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX XXXX XXXX to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Experian and they have not provided ANY verification. I have no proof they have even tried to fix this issue.
Product: Money transfer, virtual currency, or money service

XXXX on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX ( XXXX  ) which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  ( XXXX USD ) from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue that ive address multiple times. looking at all the data submitted all data is reporting illegally an fraudulent to my credit report. pleas review an remove the listed items to help clear my credit report asap.
Product: Debt collection

Contacted company by phone to get a copy of original debt. Statedthat I would be directed to a manager. Spoke with manager and requested copy of original debt. Was told the process of setting up a payment arrangement. I stated that I did not want to do that and that I need a copy of the original debt. They proceeded to repeat the process of setting up the payment arrangement. So essentially I need to pay them prior to getting a verification of debt which is against the law. They stated that they would send a copy of original debt but it has notbeen recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover financial services recently requested that I file an IRS form 4506-T to determine whether they would keep or close my credit card accounts, I signed the esign form, as a result, they still closed my accounts stating that they were not able to verify personal information on my account. The will not disclose what information they couldn't disclose, and I as a consumer should know what information it is so I can fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing a lawsuit against the XXXX XXXX  company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Agency Act, account XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states have a right to privacy.

15 U.S.C. 1681 Section2 It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I demanded, verification as to the process used to verify an account showing up from XXXX. To date, the full detailed list of information requested, including any documentation from the original creditor has not been provided to me. As such, under fcra, section 611 ( a ) ( 6 ) and ( 7 ) I am requesting that you comply with the law and delete this item, since you have been unable to provide the required documentation. Please immediately delete this item and provide me with an updated credit report. I have attached proof that you received the method of verification request, as well as a copy of the letter
Product: Credit reporting

Please accept this as a formal complaint against Equifax Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.