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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I would like to bring your attention to the following fraudulent accounts on my credit report : Account XXXX : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$300.00} ] Account 2 : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$820.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Account XXXX : Creditor Name : [ XXXX XXXXXXXX / XXXX XXXXI ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Credit Inquiries : 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 or other personal consumer reports

I am writing to dispute an unrecognized account that appears on my credit report. I have no knowledge of this account, nor did I authorize its opening. This unrecognized account is as follows : Creditor : CXXXX 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

XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, XXXX  and EXPIRIAN were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Checking or savings account

On XX/XX/year>, I made XXXX separate mobile deposits on my 5/3 mobile banking app. One check was written to me from my mom in the amount of {$50.00}, one written to my husband as XXXX XXXX for {$250.00} from our church paying him as youth pastor, and one more written to XXXX XXXX from his grandparents for {$2000.00}. On XX/XX/XXXX, I can not log into my banking app anymore. I get a number that pops up to call. I call Saturday morning. The lady lets me know that there is nothing she can do and I need to call the fraud department or my branch on Monday. I called the fraud department on XX/XX/XXXX. I spoke with XXXX different representatives. Each representative asked me the same questions : How did I receive the check? What were the checks for? I explained each time. There argument was the account was being closed bc the {$2000.00} was written to XXXX XXXX and not XXXX XXXX which is my husbands legal name. His middle name is XXXX. It is not a far reach. The reason I feel their argument is invalid is because the other check that was deposited was written out to XXXX XXXX. We get checks almost every week that are written out to XXXX XXXX and it has never been an issue. They proceed to tell me there is nothing they can or will do. I asked to talk to a supervisor and the representative told me there was nothing a supervisor could do and they would give me the same answer. I was denied speaking with someone hire than the representative. We go to the branch to close the account. Our branch rep called the fraud department to lift the hold so we could close the account. They would not close it because of pending charges. They also informed that my husband could still have a 5/3 account but I could not. Even though this fraud claim was on our joint account. There was no fraud. I explained my side of things. They still have chosen to hold our funds hostage and close our bank account we have had for 3 years with NO ISSUES.
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. Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have called multiple times to have an old address of my brother 's home address removed from credit report I no longer get mail there and that old address has been updated to my current address so the information reporting is inaccurate. 
Old XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX creditors have updated address of XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX
Product: Debt collection

Promise to pay was made with my ex-wife on a card where she is primary and I am secondary. When ex-wife did not pay, there was no attempt by credit union to contact me about the debt. I have siunce paid the back owed amount and continue to pay the monthly to stay on track. Credit Union will not even talk to me about removing the hits from my report when I have been and was the one that stepped up to fix the problem - ONLY AFTER I was informed.
Product: Money transfer, virtual currency, or money service

I'm calling because I mean I'm because I called on the XXXX to let you guys know that my I lost my phone with my cash card inside my phone wallet and I when I called on the XXXX they told me that they were going to secure my account and stop my card but my card is still being used so XXXX my account is not secured I have the new device that I'm signed into now my my cash card but it's when I lock it it still unlocks because my other the other phone is like I have to wait for them to suspend my phoneI already submitted my claim I was denied wen my phone was stolen I don't get it how some one can steal someone phone and us up they only funds I have available and have bills and rent to pay this is beyond frustrating for me It's was not authorized by me my phone was stolen this is beyond frustrating for me I lost my phone some one other then me took all the fund I had available to and I get nothing with bill to pay rent that's due and I'm doing withoutIf u can see my login is on a different phone and phone number my phone was stolen I don't give any one access to my account my phone was stolen and some one with out my authorization and use my account to gain access to my fundsOk my fraudulent claims have been denied to fund I have kids and bill and I was depending on that money now I have nothing
Product: Checking or savings account

I'm not receiving my funds it's someone that has my account link to there's and everything there's a deposit I never received them in my account my money us going else where
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX or experian date They also show as closed but it was paid in full on the XXXX  account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.
Product: Checking or savings account

Was victim to fraud via XXXX. Made complaint on XX/XX/20 for two amounts totaling in {$990.00}. Received letter dated XX/XX/20 saying I couldnt get money back. I want to file police report if needed. I cant get ahold of person I sent money to he blocked me. He told me he wasnt going to send money back. I am struggling right now just had baby last week need this money back ASAP.
Product: Payday loan, title loan, or personal loan

Received a call from someone who said he was an attorney and was filing grand larceny charges if I did not pay balance in full today. Tried contacting CashLand directly but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes ewgarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hrs 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 into disputes. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Student loan

I have tried for weeks to contact EdFinancial regarding my student loan payments and received no answer via several mediums. The monthly payment requested exceeds my finances and I need to talk with someone about lowering those payments. I have tried emailing and placing myself in their phone queue and received no answer. Additionally, their online chat system appears to be broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING FRAUD ON T HE  XXXX  MAJOR CREDIT REPORTING AGENCIES. 1. EXPERIAN   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.  XXXX    XXXX   XXXX   XXXX   XXXX  , PA   XXXX   / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX   IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.    XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER    XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )
Product: Mortgage

I received a call this morning. The call ( per my approval ) was recorded and will show that I was advised Wells Fargo will not revisit this matter. If I have concerns or questions, they must be taken up with the new loan Servicer. This is just proof to me than Wells Fargo offloaded this loan and refuse to answer any of my concerns such as how my XXXX XXXX backed loan was transferred to the new servicer as a XXXX LOAN. They did not tell me how this loan, solely held in my deceased husbands name did not get a new account number when I took it over. They did not answer why additional loan documents allegedly signed by me several weeks after XX/XX/XXXX were scanned in with the package of documents I did sign, intermingled as if it were all a part of the original package. These additional documents were not signed by me, or signed with a notary public present, yet added to the package. They still have not answered why a REMEDIATION Check was sent to The XXXX XXXX in XXXX in regards to this loan for {$1600.00} and no explanation ever given as to why. No mediation opportunity was ever offered. Not addressed at all. 

This needs to be revisited as there are inconsistencies with their response and lack there of. Please review the recording as I felt threatened when told more than once, they will not revisit my legitimate concerns and if I have any more questions, contact the new Servicer. What legitimate and ethical business practice is this? The Originated, Modified and had this loan on their books for almost 20 years. 

They know there is trouble with their loan documents regarding this situation and are hoping I give up fighting for my rights. They must address every inconsistency and concern.
Product: Credit reporting or other personal consumer reports

Please remove negative remarks and inquiries off my credit profile from EXPERIAN, XXXX and XXXX XXXX immediately! 

XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( 15 U.S.C. XXXX ) and XXXX ( 15 U.S.C. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX ( 15 U.S.C. XXXX ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account Number:XXXX  Amount : XXXX XXXX XXXX XXXX : {$540.00} Date of Account:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card that was paid off years ago, and they still report late payments, its killing my credit
Product: Checking or savings account

Chase Bank XXXX XXXX XXXX XXXX XXXX MI XXXX Their A.C.H dept put a hold on my wife 's last SSID check amount {$1200.00} this happened on XX/XX/2019. This check came into our account on XX/XX/2019 at that time the bank held the funds for two day then released it. 
It has been verified by three different representatives at our Social Security that this check was a good check and all three have no understanding of why they are holding the money. 
At Chase XXXX told me that SSID was holding the money the day of the hold XXXX of XXXX One problem is there's no phone number to call to help resolve issues with Chases ACH dept. all communication is done via e-mail. 
SSID was NOT holding the money Chase is. 
Her ACH department we fine out on the XXXX  is re-guesting a letter from SSID they will not reclaim this money and wanted the document faxed to them stating this. Problem is SSID do not write letters and would not help me with a letter. 
So I was instructed by SSID that these steps are the only way I can get my {$1200.00} off hold. 
# 1 cover the deficit of {$330.00} # 2 Have Chase send the money back to SSID # 3 I have to file out a three page form to request my own money back and wait up to 60 days I did cover the appropriate amount om Monday the XXXX, today as of the minute the money is still on hold. 
I did communicate all of this with Chase bank ( XXXX ) on the XXXX. 
here is what it looks like to me 1st holiday season without my wife, I XXXX at XXXX to take care of her with XXXX XXXX, I'm on a small SSI income I had to come up with {$1500.00} to cover the check to have Chase send the money back, and have money to pay bills. 
This is day 12 with with my money on hold and no one at Chase seemes to care
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency Aargon Agency is not located on my state secretary website that this agency/company is licensed and/or bonded to collect in my home state of Florida. Debt was last reported XX/XX/3018 in the amount of {$180.00}
Product: Credit reporting

I got my credit checked when I was trying to buy a house and the report came back showing some accounts that I originaly thought was identity theaft. After calling a few accounts they told me its my social but not my name on them and a few of them said is not my name and the social was a digit off. I got a police report and they did a quick investigation and concluted that there was a glitch and after looking at the accounts it looks like its coming from the experian credit report.
Product: Debt collection

Received a letter from AMOCAL Systems or XXXX, they use both names, stating that XXXX XXXX XXXX XXXX XXXX was owed {$5500.00} from me. I called them. They said the bill was for services provided to my adult son. I explained he was an adult and this is not my bi ; ll. They stated someone said I was responsible so I had to pay this or they were providing negative information on my credit to the credit bureau.
Product: Debt collection

Subject : Urgent Request for the Removal of Inaccurate Collection Account - Immediate Action Required Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you today in my capacity as a consumer who has always maintained a perfect credit history. Recently, I received a concerning notification regarding a collections account that has been erroneously added to my XXXX credit report. The account in question is with " XXXX CASHNETUSA, '' and I wish to bring to your attention the serious issue at hand. 

Firstly, I must emphasize that this account does not belong to me. I have never had any dealings with " XXXX CASHNETUSA, '' nor have I ever authorized or initiated any financial transactions with this entity. Upon contacting " XXXX CASHNETUSA, '' they confirmed that an account was indeed opened using my Social Security number, but it was done without my knowledge or consent, and the account is not associated with my real name. 

This inaccurate and unauthorized account is not only damaging my previously impeccable credit history but also causing significant distress and concern. As a consumer, I understand my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and I firmly believe that I should not be held accountable for this fraudulent account. 

In accordance with the Fair Credit Reporting Act, I am formally requesting the immediate removal of the following inaccurate and unauthorized collection account from my XXXX credit report : Account Type : Collection Account Name : XXXX CASHNETUSA Derogatory Amount : {$2300.00} I would like to draw your attention to the following provisions of the Fair Credit Reporting Act, which support my request for the removal of this erroneous account : 15 U.S.C. 1681 Section 602 A : This section affirms my right to privacy and protection from false or misleading information on my credit report.

15 U.S.C. 1681 Section 604 A Section 2 : This section prohibits consumer reporting agencies from furnishing information about an account without the consumer 's written instructions. In this case, I have never provided any such instructions to include this account on my credit report. 

I kindly request your prompt intervention in this matter to ensure the removal of the erroneous collection account, " XXXX CASHNETUSA, '' from my XXXX credit report. This false information is causing undue harm to my creditworthiness and financial reputation. 

I would appreciate it if you could investigate this issue, communicate with XXXX and " XXXX CASHNETUSA, '' and take all necessary actions to rectify this situation immediately. 

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue, which is of utmost importance to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting

In XXXX my daughter switched from XXXX to XXXX and signed for a new phone. She signed papers stating to complete a credit check on her name and social security number. The XXXX employee did n't run her credit but ran mine with my social security. I did not sign for this to be done and I was not even in the store. I find out two weeks later that the account is in my name after the employee called me from my daughters phone and stated and assured me that he ran my XXXX year old daughters credit and not mine. He also stated that the account was in her name only. I have papers signed and dated with her name only. I have requested to XXXX 6 times to remove my name from the account and they ran my credit report without my consent and authorized my daughter to update, open, and get a new phone and sign a contract with my name attached and I was not there nor did I give permission to use my name or credit report at anytime. I have since talked with the escalation department to : XXXX, XXXX, XXXX, XXXX & XXXX reps in the store : XXXX & XXXX? 
to no avail of anything accomplished. I was told I may not access the account because I did n't know the pin - but yet my name is on it and it was done without authorization. I have not been able to remove my name from this account that is not legal. Please advise? These two reps in the store clearly completed this transaction to make a sale and it was done illegally.