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

I am a paying member of XXXX XXXX XXXX. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. XXXX XXXX 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with XXXX XXXX. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at XXXX XXXX cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting XXXX. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and  not servicing the American Public ... .my experiences are nothing has changed, HELP!
Product: Debt collection

I signed a lease for an apartment complex named XXXX XXXX XXXX on XXXX of XXXX, i then, in XXXX of XXXX had an issues that is deemed inhabitable, once i alerted the landlord they sent the maintenance team out and they deemed the apartment inhabitable but on XXXX the XXXX XXXX. They sent out an exterminator and put a hole in my wall. They told me it would be repaired in 7 days time. That seven turned to 35 days and that is well beyond the limitations. I wrote a letter to the landlord stating I would like to break the lease due to noncommittal actions, and then dishonoring the lease. I was not contacted anytime after to discuss the arrangements of this matter. XXXX of XXXX I was informed by XXXX credit reporting agency that I owed a balance of XXXX to Columbia debt recovery, which is the company XXXX XXXX XXXX sold the debt to. I would like to receive a letter stating why and how I owe this balance. If I can not get this information within the next 30 days I need this debt extracted from my report immediately.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violated Consumer Financial Protection Act ( CFPA. Specifically, Cash App fail to take timely and effective measures to prevent an 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 ) in Regulations E. These acts have caused significant inconvenience and financial loss and I seek appropriate redress for this violations
Product: Debt collection

I applied for a {$500.00} secured credit card. I paid the secured card in full. I used it for XXXX and In XXXX wanted to bring the balance down. However, my account had similarities, I added the wrong account unbeknown to me. Amazon probably attempted to collect the funds but was unable to. The excuse that they mention the reason they'd closed the secured card was due to payment failure without reaching out to me first. Based on their information I had a pending payment same payments that cause my account to be closed, they said these payments were, in fact, pending when they closed the account for insufficient funds on XX/XX/XXXX. But yet still I received a check on the XXXX dated XX/XX/XXXX Check # XXXX, Memo XXXXXXXX XXXX  from Synchrony Bank Amazon.com Store Card. I cashed my check in the faith that it was a indeed valid check. In XXXX after I had XXXX I received an alert from XXXX letting me know that I had a debt and it was Amazon. I knew that I did not owe Amazon any money. I reach out, They told me they had a supervisor reviewing it and found out it was their error and that they would remove it from my credit report. Any report that I see on my credit report will be in good standing before they remove it. Friday, XXXX points were removed from my credit profile because of these people 's PROFESSIONAL NEGLIGENCE in their work. They are harassing me and telling me that I have to pay them back their money. This issue brought harm to my credit. The reason I took a secured card was for this not to happen. First of all, you knew the payment failed that was the main purpose of closing that secured card. They said at the time balance was {$510.00} including fees on a full {$500.00} down ( secured ) They decided on top of closing my account to mess up my credit history. they mischievously send {$220.00} back to me so I can be trapped they will have reason to collect because of the mispayment that I submitted not payment due but payments that I was trying to bring my balance down thinking I was using the right account. This negligent infliction of emotional distress on me. I will file legal actions against them if they do not correct their error. Based on experiences with other consumers. Synchrony Bank, Amazon 's financial credit provider will hold off payment for 10  days before providing any credit to the client. So they closed the account on XX/XX/XXXX and cut a check made payable to me on XX/XX/XXXX, less than 10 days when they knew funds were not available 24 hours after submitting my payment online based on them which causes an automatic closure and that was why they did not reach out to me to try to collect the debt. Yesterday when I called them admitting that they made a mistake but I have to pay them back. Supervisor also stated that the declines for unsuficient funds will come to them within 24hours. Why was this negligence part of Amazon? I need that to be removed of my credit. I will also file a FTC against them and more action would be taking for harming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent a certified letter to all XXXX credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from XXXX XXXX and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX XXXX XXXX Re : Formal Complaint Regarding Dispute Resolution with Experian Dear XXXX, I am writing to formally lodge a complaint against Experian regarding my unresolved dispute concerning inaccurate personal information on my credit report. Despite my diligent efforts to resolve this matter, Experian has not addressed the issues I raised in my dispute. 

On XX/XX/year>, I mailed a notarized and certified letter to Experian, requesting that they update/remove inaccurate information from my credit report that was delivered on XX/XX/year>. I included accurate documentation, including a current utility bill and my drivers license, as proof of my identity and to support my claim. This letter was sent in good faith, expecting that the necessary updates would be made in accordance with the guidelines provided by the Fair Credit Reporting Act. 

However, my dispute remains unresolved. On XX/XX/year>, at approximately XXXX XXXX, I called Experian to inquire about the status of my dispute. Unfortunately, the outcome of the call did not meet my expectations, as the representative could not provide a satisfactory resolution or confirm that the necessary updates would be made. I am extremely disappointed with the lack of progress and clarity regarding this matter. 

I am requesting that the CFPB intervene on my behalf to ensure that Experian investigates and resolves my dispute in a timely and accurate manner. I expect that Experian will update my credit report to reflect the correct and verified information as soon as possible. 

Please let me know if you require any further details or documentation from me to assist with your investigation. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )
Product: Credit card or prepaid card

On XX/XX/2021 I received at my home address via XXXX Mail an envelope containing a VISA Debit Card with embedded chip. The rear ( magnetic stripe side ) of the card is imprinted with my name, an account number, an expiration date, and a CVV. The front bears a code similar to " $ A # # # A ''. The card carrier is printed, " Activate your card. Scan code in Cash App. '' I did not request a card. I am not a customer of the companies involved. I believe the card was fraudulently requested and issued without proper verification. 

I am trying to contact the issuing Cash App organization and their parent/affiliate Square, Inc. to no avail. There is not a XXXX fraud telephone number advertised in the mailing, on the card or on the websites. Victims are referred to communication tools contained within the Cash App software which requires a user account to access. I am not a user, nor do I wish to become one. I do not want to install software or provide personal details to create an account. 

I found a web-form at Square which permitted me to send a message on XX/XX/XXXX. I requested cancellation of the fraudulently generated card. I received an emailed response on XX/XX/2021. The email directed me to the website for Cash App. 

On XX/XX/XXXX, I found a phone number listed on the Cash App website. I called the number that evening. A recording said they were closed and to call back when they were open. No business hours are listed on the website. 

On XX/XX/XXXX, I called again. After several interactions internal to their automated call management system, I was directed to request a callback if I wanted help. I touched the designated phone key and was assured of a callback. 

Hours later, I received a callback, but I missed the call. In a voice message, " XXXX '' said I could call back XXXX to the only advertised number ). 

I called the number again, interacted with the system and was disconnected by the system. 

I called back, interacted with the system, and was directed to request a callback if I wanted help. I touched the designated phone key and was assured of a callback. 

At this moment XXXX XX/XX/XXXX, evening ), I am still waiting for a callback from someone who might take my report of an unsolicited card issue. 

There are several problems evident in the way this ( these XXXX companies do business. A full investigation should be conducted and regulatory remedies applied. I suspect I am not the only consumer adversely effected by these problems. There may be an identifiable class of consumer victims. 

In addition to Cash App and Square, VISA and XXXX XXXX are involved in this incident, and they should be made aware of the problems. 

P.S. On XX/XX/2021, I filed an initial fraud alert request with XXXX. The alert was confirmed by XXXX on the same day as my initial contact. Yay, XXXX! 

P.P.S. The CFPB web-form requires input to the " Billing Address '' section, but this victim has no way of knowing what billing address is associated with this fraudulently-issued, unsolicited card.
Product: Credit reporting or other personal consumer reports

To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. An FTC report XXXX and a local police # XXXX report have been filed and attached to this statement. Please REMOVE this information no later than 4 days after receiving this consumer statement under 15 U.S. Code 1681c2. 
Reporting accounts are XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXXXXXX XXXX account number # XXXX XXXX XXXX account number # XXXX
Product: Debt collection

The so called Yorkshire Acquisition group have contact people unrelated to me to discuss a past debt without consent. They have also contacted my employer with unethical tactics and threats of subpoena my case. They threatened my employer, an school principal of serve me during my working hours at school. This company have never sent me a proper documentation to collect this so called debt. Not even after I kindly requested them for an unofficial document explaining the case. All the sent me was a email, and they kept on calling my family and relatives with threats. They wanted me to pay over the phone ; which I refused to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online, I temporarily lifted a credit freeze from Experian to apply for a credit card. The card issuer said that I need to provide a PIN. The only PIN I have is the XXXX to my account/lift the freeze, which I'm not giving out to the bank. I can't redisplay the webpage to get the confirmation page to view a PIN ( if any ). I called Experian, and went through their entire phone tree, but none of the choices applied, and I could not figure out what to say to get the automated assistant to send me to a live person. She ( the recording ) even said that she was only authorized to transfer callers under very specific conditions, which she would not list. My complaint is that their phone system is absolutely set up to keep callers from reaching a live person. A company with such power, and with a history of settlements for misleading practices, should not be allowed to avoid customer issues so effectively.
Product: Credit reporting or other personal consumer reports

You deleted XXXX XXXX credit cards and added them back and deleted XXXX XXXX XXXX XXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( XXXX listed as other ending in XXXX XXXX is listed as ending in XXXX XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX and XXXX is listed as ending in XXXX ) on my account and I still see XXXX XXXX XXXX XXXXXXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute of Multiple Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several items that have been reported on my credit reports from XXXX, Equifax, and XXXX. The details of the disputed accounts are as follows : Account 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 Upon review, I have identified discrepancies in these accounts that I never authorized. As mandated by the Fair Credit Reporting Act ( FCRA ) 1681b, credit reporting agencies can only furnish reports for permissible purposes. I have not provided written authorization for the aforementioned accounts to be reported on my credit reports, indicating a potential violation of the FCRA. 

For your reference, I have enclosed pertinent documentation which includes proof of my identity, current address, and other crucial details, encompassing my social security card, ID, passport, driver 's license, and insurance card. 

Per 15 USC 1681c-2 and 15 U.S.C 1681 Sections 602 A & 604 A, Section 2, I assert my right to privacy and the inaccuracy of unauthorized entries on my credit report. I demand the removal of the above-mentioned accounts from my credit reports within 24 hours. 

Please find attached a detailed list of the inaccuracies and disputes for your convenience. 

I await your prompt resolution on these matters and expect confirmation of the rectifications on my credit reports. Your immediate attention to this matter is crucial. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. Date opened is incorrect. High credit is incorrect. Credit limit is incorrect. Last reported is incorrect. Date last active is incorrect. Date of last payment is incorrect.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Debt collection

Co called and left a message about Check has been returned. 
so called back and she said- No it is about XXXX credit card Balance. ( they have my Social numbers and name and everything ) .and also she said I have been sued for this balance on Threatening tone of voice. I told them I filed " bankruptcy ''. she said well I do n't know ... ma'am ma'am ma'am..have nice day and hung up.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Consumer Center, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

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

I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now XXXX XXXX its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I recently disputed a series of inaccurate account that had been reported from EXPERIAN. After the reinvestigation of these accounts were completed, as a result they remained inaccurate. Theses existing accounts violate 15 USC 1681e ( b ). The Fair Credit Reporting Act prohibits incomplete and unverifiable information. The FCRA requires any account that remains incomplete and unverifiable to be removed from the consumer report. As is stands, these accounts are ruining the integrity of my consumer report.