23daVinci/CFPB_Complaints huggingface dataset:
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 accounts 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 accounts XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection account on my consumer credit report : XXXX, XXXX- {$620.00} ( Acct # XXXX ) - XXXX XXXX XXXX XXXX - {$790.00}. ( Acct # XXXX ) These accounts were previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
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 violates the Customer 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loans, a credit cards and any other accounts from Ally Financial : with a balance of {$3300.00}, XXXX XXXX : with a balance of {$4300.00}, XXXX : with a balance of {$13000.00}, XXXX : with a balance {$1400.00}, XXXX XXXX XXXX with a balance of {$25000.00}, XXXX XXXX XXXX XXXX : with balance of {$7800.00}, XXXX XXXX XXXX XXXX : with balance of {$1000.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Fraudulent Hard Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Recently, I looked at my credit record, and it brought on a tremendous sadness.

I have been feeling down and XXXX  lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it.In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible.

According to my research, Section 1681i ( 5A ) of Title 15 of the United States Code deals with how false or questionable facts are handled.

As soon as possible after the completion of any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall immediately delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and immediately notify the furnisher of that information that it has been deleted or modified.

I require you to delete the below accounts and/or information if you are unable to provide me with a copy of verifiable proof within 15 days of your inquiry.

In any case i appreciate your assistance with this.

Under 15 U.S Code 1681e ( b ) AND 15 U.S Code1681i ( 5 ) these accounts is in violation not reporting 100 % accurate. 


XXXX. XXXX Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I asked over the phone talking to a person for all withdrawals from our escrow account. The lady said it would be XXXX hrs. Its been 7 days and still havent received anything. When we refinanced in XXXX our closing costs covered {$1200.00} for taxes. Our mortgage company then withdrew the full amount of summer taxes for {$2300.00} from our escrow XX/XX/XXXX. They withdrew {$1000.00} for winter XXXX taxes in XX/XX/XXXX. They owe us a credit of {$1000.00} to our escrow. 
Im not going to tolerate this behavior from any financial company, especially when they gave me all the information to notice this mistake on their end.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Mortgage

My name is XXXX XXXX an my wife 's name is XXXX. Back in XX/XX/2002 we had taken out a small 2nd mortgage with XXXX XXXX  XXXX in the amount of {$28000.00}. On the same date XXXX XXXX  Assigned this mortgage to XXXX XXXX, XXXX XXXX, PA We refinanced this mortgage on XX/XX/2002 with XXXXXXXX XXXX XXXX  XXXX. We have paper work that shows that XXXX paid off the XXXX XXXX  loan on this date. 

The problem is that XXXX XXXX  never filed the Satisfaction paper work with the XXXX XXXX XXXX Pennsylvania Recorder of deeds office.

We now have applied for an Equity loan for repairs to our house now and have been denied because this loan satisfaction was never filed by XXXX XXXX  XXXX 

I contacted Citizens Bank over 45 days ago and was informed that this process would take up to 45 days to complete this task. To date I have not been contacted that this matter has been taken care of or that the Recorder of Deeds office in XXXX XXXX has been issued a satisfaction statement. 

Every time I contact Citizen 's bank I keep getting a different story. We need to get a satisfaction letter to the XXXX XXXX recorder of deeds so we can proceed with a much needed current loan wiht which we have applied for with a different bank. 

Attached are the recorded paper work the recorder of deeds has in regards to the initial loan with XXXX Mortgage and the assignment that occurred on the same date on XX/XX/2002. Also attached is documentation I obtained from XXXX XXXX XXXX showing that the XXXX XXXX  was paid off on XXXX, XXXX, XXXX  in the amount of {$28000.00}.
Product: Debt collection

This is a fraudulent charge, I never signed-up for their any service and they have not provide any service to me, I want to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

**IMPORTANT** In two previous questions regarding my issue type - I was forced into selecting something or not continue in process. Therefore, TYPE of complaint is INCORRECT. 

In the past week, my credit score dropped XXXX points, yet wonderful things happened to my credit and NO negative events occurred. As a frequent user of the Experian website ( and I have spent literally hours and hours familiarizing myself with all available information on this site ) I could not help but notice the dramatic increase in Experian additional products advertised TO REMEDY THIS DROP IN MY SCORE! Fishy perhaps? To be clear, I have no evidence of wrongdoing on their part. However, and they may claim the increase in advertised remedy for sale was triggered by a drop of XXXX points, what I think might be happening ( and I hope my complaint stimulates increased observance of Experian sales practices ) is they drop my score to increase sales of side products. 

Details : **In the week I am referring to, my open accounts dropped from XXXX to XXXX. 
**The two remaining decreased in amount owed. 
**My total debt dropped from ( these figures are rounded for convenience ) {$30000.00} to slightly under {$15000.00}, or more than half. 
**No negative events occurred during this week or previous weeks. 
**Within the same visit to the Experian website where I saw my decreased credit score that lacks legitimate support, I observed a dramatic increase in sales attempts to sway me into purchasing their other products to remedy my score drop. These products were literally sandwiched between bits of my credit report and data - forcing me to look at products for sale that I can not afford. 

The lack of evidence, such as common reasons to see a score drop, the multiple reasons that can be substantiated and should have INCREASED MY SCORE, along with the observed dramatic increase in force-feeding me their side products- all these combined makes me question how and why and who is responsible for this score drop when several positive events occurred that should have increased my score. 

I want to understand who did this and I want to see tangible reasons for this decrease. I also want an explanation for why I was not issued an increase in score when several positives and no negative events happened this week in question. I write them days ago and all i got back was confirmation of receiving it. I want CFPB to observe my attempt to gain clarity and watch for trends similar to my event.
Product: Debt collection

Rash Curtis & Associates are reporting an account on my credit report. I have sent debt validation/dispute letters via certified mail to them which has failed to comply with California State laws by properly validating my debt pursuant to the California Fair Debt Practices Act ( CFDPA ). 
In addition they have failed to properly mark my account disputed pursuant to the CFDPA. They prepared negative and inaccurate information to credit reporting agencies concerning my credit. I notified them twice via certified mail in regards to the accuracy of the information, however, they have continued to report inaccurate information on my credit report. They have negligently and willfully failed to comply with the requirements of the CFDPA, including but not limited to : California Civil Code Division 3, part 4, title 1.6 1785.25 ( a ), ( b ), ( c ), ( f ), 1785.26 ( b ), ( c ), applicable remedies as follows : 1785.31 ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ( D ). Title 1.6C. 1788.17 ( which in accordance with the Rosenthal Act is inclusive of original creditors such as Rash Curtis & associates, and inclusive of the following violations pursuant to the FDCPA 15 USC 1692 ) 807 ( 2 ) ( A ), 807 ( 8 ), 807 ( 10 ), 808 ( 1 ), 809 ( b ). Applicable remedies as follows : 1788.30 ( a ) ( b ) ( c ). Title 1.6C.5. 1788.52 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ), 1788.52 ( b ) ,1788.52 ( c ). applicable remedies as follows : 1788.62 ( a ) ( 1 ) ( 2 ) ( c ) ( 1 ) As a result of their failure to comply with the requirements of the CFDPA, I have suffered, and  continue to suffer actual damages, including economic loss, denial of credit, lost opportunities to receive credit, damage to reputation, invasion of privacy, degrading social standing and emotional distress for which I seek damages in an amount to be determined by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and equifax to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.
Product: Checking or savings account

Capital one customer from XXXX. Capital one continues to mislead and use deceptive business practices and false statements regarding the interest that consumers received relating to checking account 360 advertised. Furthermore I filed a complaint with CFPB to only be given the phone number to the customer service department with no resolution as capital one mislead me again by the letter enclosed indicating that they want to resolve these issues. Furthermore the institution is playing a game of cat and mouse and not offering resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX XXXX XXXX. remove 1 x 30 day late dated XX/XX/2020 from XXXX, Equifax, XXXX. This payment " late '' due to 2 extenuating circumstances beyond my control & directly attributable to XXXX XXXX XXXX XXXX XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX XXXX  XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX locked & refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for 40+ years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX XXXX XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX XXXX XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX XXXX  XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXXXXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Product: Debt collection

In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with  XXXX . I discovered the theft in  XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (  XXXX  ). I immediately contacted   XXXX   XXXX   XXXX   and  XXXX  and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the   XXXX   credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called  XXXX  to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the  XXXX  card. The thief transfer funds from   XXXX   twice. When I spoke to  XXXX , they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX   completed their investigation and found the account was a case of Identity theft and released me of the debt. However,  XXXX  declined my case and continued to harass me and my family. I submitted another letter to  XXXX  along with a copy of the release letter from   XXXX   XXXX   XXXX  .  XXXX  did not response to my letter, but submitted my case/debt to Northstar Location Service, LCC ( a debt collector ). Now I am getting harassed by Northstar. I have discussed the issues with   XXXX    multiple times over the phone, submitted multiple reports, and bank documents.   XXXX   continues to seek funds for an account I did not open.
Product: Checking or savings account

I contacted CapitalOne regarding the interest earned on my savings account. My deposits in XXXX only earned a 30bps yield in Q4. I called on XX/XX/XXXX ( XXXX EST ) to ask why my account was not earning the 3 % + rates they were advertising on their website. The customer service agent I spoke with was named XXXX XXXX XXXX ). She explained that I had an older type of savings account called " 360 savings account '' and that only the newer " 360 performance savings account '' earns the higher interest rate that are advertised. She further explained that the types of savings accounts were identical to each other ( no fees, etc. ), but the only difference was the yield of the account. I asked why my yield was not changed and/or was not upgraded given that is the only savings account they're offering to the public at this time. She did not offer an explanation but stated it's my responsibility to check yields and that they're available on their website. 

I have had the money in the account for 10+ years and never once was notified that my account type was " old '' and wouldn't receive higher interest rates. The CapitalOne service agent did say they have received numerous complaints about this, but the only thing I can do is open a new account and transfer deposits into it. They could not pay me for the interest I didn't earn because my account type was " old ''. I believe this is a bait and switch tactic to get people in the door, advertising high interest rates, but then they don't notify customers their accounts are obsolete and won't earn higher interest. This practice is unfair to the customer and not ethical.
Product: Student loan

I am a single mother struggling finically. I graduated back in 2010 and have a total balance due of XXXX. I called Navient so they can try to assist me with a rate reduction plan, and according to my representative I did n't qualify because I was enrolled in that program prior. They reviewed my bank statements and clearly saw money was an issue. Instead XXXX trusty from Navient belittled me and said I need to learn how to budget. A single mother trying to feed her child, pay for my child 's needs, food, rent, transportation, etc, should not be told how to manage their finances when there barely getting by. She had no right to talk to me in that way which has emotionally taken a toll on me. I was trying to make a payment and she denied what I was trying to offer and threatened me saying my loans will be in default and I would need to go to court and pay the XXXX up front. She has been so unhelpful and I hope no one has to encounter what I am going through.