23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 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: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. As stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is obviously a violation to my privacy is noncompliance of the HIPAA law.
Product: Payday loan, title loan, or personal loan

I have personal loan with LendingClub ( account # XXXX ). I refinanced my house, as part of that refinance, my bank ( XXXX XXXX XXXX XXXX ) paid off this personal loan. A check for the amount of {$12000.00} was mailed overnight on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The check cleared on XX/XX/XXXX but was never credited to my account. My account has a non-optional autopayment that comes out every month on the 24th. As my payment date approached and the account was never credited, I called the customer service line but was told that it could take " 10 to 15 '' business days for my account to be credited. After the auto-payment came out on the 24th I contacted customer service again, this time well outside the " 10-15 '' day window. After explaining the situation, the customer service agent spent some time looking into it but was never able to resolve the issue. They escalated my issue by " submitting a ticket '' to their " treasury department '', this was on XX/XX/XXXX. I was assured that someone from their " treasury department '' would respond to me within XXXX hours. After XXXX hours came and went without a response, I contacted them again. I gave the customer service rep the exact same info I had already given others several times and all they could do is submit a ticket to treasury. It has now been XXXX weeks since LendingClub deposited the payoff amount for my loan but they still continue to take autopayments and charge me interest. It has been 10 days since my " ticket '' was submitted to their treasury department and I still have not had XXXX single communication with them.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. EXPERIAN and XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$2300.00}
Product: Mortgage

I have been trying to refinance my VA Loan with Planet Home Lending since XXXX. I was told in the beginning of XXXX that I would be closing by the end of the month and that I did not have to pay XXXX and XXXX payments and that my new, reduced payment would take affect XX/XX/2019. I was doing the IRRL refi, as my mortgage was due to increase and I was struggling with the current payment. On XX/XX/XXXX. 2019 I was informed by the agent I was working with Mr XXXX XXXX, that I would not be closing in XXXX and would now have to pay XXXX and in 2 days, XXXX mortgage before they could process the refi. I advised again, I could not do this, I had just borrowed from my 401K in  XXXX to get current so the process could be finalzed in XXXX. I had nothing left to borrow from. I was told nothing could be done until my payments were current, NOTHING. Well at that point I reached out to my husband, who abandoned me and the marital residence, 10 days after closing, and who never contributed financially up to this point ; and I asked for assistance. He then let me know he lost his job and was unemployed and could not assist. I am now 4 months behind and no one is offfering any guidance, or advising what my opotions are and I do not want to lose my house.
Product: Debt collection

The debt is from XXXX XXXX apartments and looks as though is was purchased by a debt collector in which I didn't authorized or nor do this account belongs to me. XXXX XXXX XXXX XXXX has not provided me with any validation of debt or proof that this debt belongs by bearing a signature verifying that the debt truly belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Barclays Bank Delaware submitted a hard inquiry to retrieve my credit information. Upon notice of this inquiry around XX/XX/XXXX I contacted Barclay Banks via telephone to their " fraud '' department. I explained the issue and I was told they would cease any processing and submit a request to have the hard inquiry removed off of my credit report. 

On XX/XX/XXXX I received a Barclays Bank credit card in the mail at my home address. The card was issued on XX/XX/XXXX and contained a cash line of {$1600.00} and a total credit line of {$4000.00}. 

At no point in the past 24 months have I given permission to have a hard pull on on my credit reports nor I have inquired or applied for any additional lines of credit therefore the hard pull occurred without my consent. Furthermore, I had a credit card issued to me that I never applied or approved up that was issued after I had already contacted the banks fraud department. After being assured that Barclay would take care of the issue, they failed to do so.
Product: Vehicle loan or lease

To Whom It May Concern, I hope this message finds you well. I am writing to share my experience as a customer affected by the recent XXXX XXXXXXXX and to seek guidance on how XXXX XXXX XXXX can support customers during challenging times. 

When I visited the MBFS homepage, I was encouraged to see the message stating that " MBFS understands that some customers may have been impacted by the recent natural disasters, and we are here to support. '' This reassurance prompted me to reach out, as I am currently facing significant hardships due to the disaster. My workplace, the post office, was destroyed, and my vehicle suffered severe damage from a fallen palm tree. As a result, I find myself without a job and transportation for the foreseeable future. 

During my call to customer service, I was informed that I had utilized all of my deferments. While I understand the importance of adhering to policies, I would appreciate clarification on how these policies accommodate extraordinary circumstances such as natural disasters. It would be greatly beneficial for customers like myself who are experiencing unprecedented challenges. 

I believe that enhancing support for customers affected by such events may significantly improve the perception of XXXX and foster stronger customer loyalty. I appreciate any insights or options you can provide to assist during this difficult time. 

Thank you for your attention and consideration. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I would like to report a scam debt collector named " XXXX XXXX '', who claims to be representing XXXX XXXX at XXXX. I have received repeated phone calls and voicemails concerning credit card debt that is not mine. When I asked for a written validation notice specifying the amount, and the name of the original creditor I was threatened and dismissed. I have checked my credit card report for good measure before filing this report and there is no listed debt. 

These are the phone numbers that have been used : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

Sequium Asset Solutions company is trying to collect a debt that doesnt exist. They claim it was from XXXX XXXX, but XXXX has confirmed no debt exists and told me it was most likely a scam. I asked the company to provide written documentation so I could dispute and they stated they would not. They accused me of not paying a debt and were very hostile. Please investigate for fraud. There are numerous complaints online.
Product: Credit card or prepaid card

I am receiving pre-qualified credit card applications for my XXXX children who are teenagers. The credit card issuer is Capital One. How can this be appropriate. They are no of age to enter into a contract. 


Capital One Application Codes : Daughter Reservation # XXXX Access Code : XXXX Son Reservation # XXXX Access Code : XXXX Please stop this activity.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove multiple unauthorized hard inquiries from my credit report, despite my formal disputes and supporting documentation. On XX/XX/year>, I visited a car dealership to apply for auto financing. My credit was subsequently pulled multiple times by different financial institutions without my explicit authorization. 

Legal Violations and Basis for Immediate Removal Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), a hard inquiry is only permissible when the consumer has provided explicit authorization to the entity conducting the inquiry and the inquiry is conducted for a legitimate credit transaction in which the consumer is involved. In my case, I never provided individual authorization for these inquiries, nor did I establish any credit relationship with most of these lenders.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), any inaccurate, unverified, or unauthorized information must be removed immediately from a consumers credit report. Additionally, under FCRA 1681c-2, when a credit inquiry is related to fraud or was conducted without the consumers authorization, the credit bureau must remove it within 4 business days of receiving the request and the necessary documentation.

Despite submitting a formal dispute to TransUnion, requesting the removal of these inquiries, they have failed to take appropriate action within the legally required timeframe.

Supporting Documentation Provided to TransUnion I submitted a copy of my FTC Identity Theft Report ( # XXXX ), confirming that these inquiries were made without my consent, a copy of my credit report with the disputed inquiries highlighted, and a copy of my government-issued ID verifying my identity. 

Unauthorized Hard Inquiries to Be Removed Immediately The following unauthorized inquiries must be removed from my report within 4 business days, as required by 15 U.S.C. 1681c-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only legitimate inquiry that should remain on my report is XXXX XXXX  - XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a inquiry removal form to TransUnion. It has been well over 30 days and there is still inaccurate information being reported on my consumer report. There are 18 unknown reporting hard inquiries being reported. There have not been any updated information to resolve this matter. Pursuant to 15 USC 1602 the consumer has the right to dispute inaccurate information reporting on the consumer report.
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX consumer report. I have identified several inaccuracies that need your immediate attention and resolution. I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. 

Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX
Product: Debt collection

I recently checked my credit report and found that I had an account in collections that I did not recognize. I looked into the company that the debt was owed to and did not recall ever doing business with them. After seeing this, I looked further into this company and came across multiple complaints about this company falsifying amounts owed to the company from customers. A vast amount of people had complaints about this because, unbeknown to their knowledge, they were having the accounts sent to collections, which in return, was affecting their credit score. I have never been contacted in anyway about this debt by neither the company or the debt collectors.
Product: Debt collection

I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/ and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical collection was filed on my Equifax report XX/XX/XXXX by XXXX XXXX XXXX. On XX/XX/XXXX I contacted Equifax via certified mail, return receipt requested, disputing the filing per HIPAA laws. In the package was my dispute letter, a printed page from my Equifax credit report showing the item on my report ( circled and noted, with account number referenced in the letter ). The package was received at the Equifax dispute shipping address by an agent on XX/XX/XXXX, XXXX per the return receipt shown online via the tracking number of this package. From that date, Equifax was legally required to investigate the complaint and inform of findings within 30 days. 

It is now XX/XX/XXXX, over six months later. Equifax has done nothing with this case - no contact has been made, no investigation or resolution has occurred. I am supposed to be notified within 30 days, and its been over six months with zero from Equifax.
Product: Checking or savings account

Monthly social security deposit made available anywhere from the XXXX through the XXXX of every month. It shows up in my online account and Im given access to it. Never do I usually see my ending daily balance in the negative until I scroll through. So Im given access to my money on the XXXX but Wells Fargo isnt posting it until the third so anything I spend between the XXXX and the third is technically looking like Im over drawing. This month my deposit of XXXX was made available on the XXXX. My ending daily balance on the XXXX th was XXXX i paid bills spent money and on the XXXX I was negative XXXX was my ending daily balance. So on XX/XX/XXXX they posted my deposit of XXXX but with deposits that still dont equal to my ending daily balance on XXXX of XXXX. I rented a car and saw the transaction post the same day when I turned the car in I waited for my deposit hold to be returned and when it wasnt I checked my online account to find the transaction and could no longer find it post. I called and spoke to a representative. I was told that the rental car company hadnt charged me a hold and never took it outta my account. That they would debit my account after I turned the car in which is untrue. I tried to rent the car for a week and with the deposit hold and the actual amount being put on hold was more then what reflected in my account so my card was declined due to insufficient funds. I have the text that it sent me. I shorted my time and ran my card again. XXXX was taken to put on hold. When I turned the car in my final charge was XXXX. XXXX told me my remainder was released on the XXXX of XXXX. Wells Fargo finally posted the withdrawal on the XXXX. I have gone back through my bank statements and have noticed a lot of things that dont add up. I have on income and thats XXXX every month some of my statements reflect total monthly deposits of XXXX and total withdrawals will be just a few dollars short of this deposit transactions through the month. Im now negative XXXX and am being charged XXXX dollars for each transaction they say was overdrawn. When I get my check again all of it will be gone. Ive called Wells Fargo and made a fraud claim when I was transferred to an investigator I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Account : XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, and XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.