23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. 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 und 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 inquiries listed IMMEDIATELY.
Product: Checking or savings account

Pacific Daylight Time Time zone in XXXX XXXXXXXX XXXX ( GMTXXXX  ) Sunday, XX/XX/XXXX i received a call claiming that they are wells fargo. they told me that somebody is using my account at XXXX and is spending XXXX and XXXX usd and wanted to confirm if that was me. so i said No. and they said they can cancel the transaction and theyll send me a new card since the only problem is the debit card. they asked me so many questjons and know many of my personal information including the last 4 digits of my SSN my email address my phone number ofc and the last digits of my card. they asked me to confirm my wells fargo app password so i said my password too. they wanted to confirm my address so i said my adddress and they said a wells fargo representative will be outside my house to get the debit card. they said if it has a silver bird the delivery will be free of charge. and so the " representative " arrived and she said the code ( gg702 ... iforgot the rest ) that the guy on the phone told me and got my card and cut it to half and departed. 

when i check my bank acc on the wells fargo app i saw my money is gone XXXXusd XXXX usd XXXX usd i called the wells fargo immediately after 30mins of the scam call that i got and i asked them to dispute it and change my savings and checking account. 

it is my first year living in america so i wasnt aware of this kind of scam i thought wells fargo is just that quick. 

today XX/XX/XXXX i called wells fargo again and asked for an update and they said that they wont dispute the money and that my case is already closed and wont be reopening it. the reason being is that they said it looks like i gave authorization for the transaction because the chip on the debit card can not be copied and they can only get money if the debit card is present. i told them that of course they have my debit card because some lady took it pretending to be wells fargo. it looks like they are blaiming me and will not dispute my money i already filed a police report. i cant believe that i have to go through all this just to prove my innocence. im the victim.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I mailed Equifax notice over a year ago to take these accounts out of dispute, that I agree with their investigation. They have not and I can not get a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX  balance but my loan service provider, MOHELA, fail to update the credit bureaus with this information. My account/records should reflect a XXXX  balance and status as paid in full.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

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 proce 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 redres... for these violations. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

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

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

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. ( PORTFOLIO RECOV ASSOC )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to Experian,, Account # XXXX, {$320.00}. Account # XXXX, {$470.00} .The charge off is with XXXX  XXXX XXXX  XXXX I disputed by mail I send them verification letter on XXXX XXXX and they receive it onXX/XX/2020 and by XXXX XXXX, they already had it update and verified it only took a couple days to be verified, i will like to know how they verified it so fast the accounts. but because i thought they never receive the first letter i send them a second verification letter onXX/XX/2020, and by XXXX XXXX, the already had it verified. So I send them a third verification letter and they open the dispute account on XXXX XXXX and by XX/XX/XXXX XXXX they had the account update and verified.And what their doing is not right.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a medical bill incurred in XX/XX/XXXX, I made payment arrangements with the service provider in XX/XX/XXXX to pay {$25.00} per month, at which time I started sending payments monthly, and paid as agreed sending more than {$25.00} some months, in XX/XX/XXXX just as I had paid off the debt it was turned over to a collection agency who immediately put it on my credit report. They have never contacted me, I had to find out who they were through the Credit Bureau. I have sent proof of payment in full to them twice XXXX XXXX and again XX/XX/XXXX, I have never received a response from them. I have disputed this account with XXXX and both times they state debt is reported correctly. I have proof of payment in full for the account. I want the debt removed as it was paid in full as agreed with original medical service provider, whom I also contacted that then referred me to XXXX XXXX XXXX whom my account was turned over to with no explanation as to why it was turned over when it was paid in full in XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, I closed on a cash-out refi with Loan Depot. The funds paid to me and to payoff my previous mortgage were to have funded within 5 business days ( by XX/XX/XXXX ) and I prepaid interest on this loan accordingly. For no explained reason, they did not fund until XX/XX/XXXX. Given I paid per diem interest on my old mortgage that was supposed to be paid off, and to my new mortgage which I prepaid since mid XXXX, I was essentially double charged interest. I've made numerous attempts for them to address this and have been ignored. They simply won't respond.
Product: Credit reporting or other personal consumer reports

I don't comprehend why I have to repeatedly file complaints regarding an issue that KOHLS/CAPITAL ONE XXXX XXXX XXXXhey would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. KOHLS/CAPITAL ONE XXXX.
Product: Debt collection

On XX/XX/XXXX I received a call from ARA inc. they claimed that they bought the debt on a XXXX XXXX account in my name. I told them i have never had a XXXX XXXX and they told me i was lying and they had proof. They then read me every address Ive lived and all my employers from a copy of my credit report. They claimed that the address matched bills payed on the XXXX XXXX to my past addresses. They stated that they i have excellent credit, and i better pay up before they ruin it. They stated that they matched the signature of a truck i purchased in 2003 with the signature of the XXXX XXXX application. I requested proof of the debt, which they overnighted, showing a debt of {$11000.00}. I called XXXX XXXX with the account number they profived and they confirmed that the account was in collections to a XXXX XXXX with a different age social. I called ARA inc. back to inform them of the mistake and they told me i was lying, that again they have proof it is my debt and that they will be informing my creditors and employer of the outstanding debt. ARA Inc. have the details of the account which show that is not mine yet they got a copy of my credit report for the purpose defrauding, and harrassing me into paying a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}
Product: Payday loan, title loan, or personal loan

On or around XX/XX/XXXX, I visited a Store named XXXX XXXX XXXX. My intentions were to purchase this with cash for a Set of Theatre Chairs. 2 Weeks after purchase the Product stopped working due to an electrical Problem. After Several Phone calls and Emails back and forth with Manufacture and Store, Conns sent a repair technician to service product. It took 2 more months before the company deemed the product not repairable. No replacement parts were installed and no service completed on defective product. After several months and me making a call in XX/XX/XXXX, they finally deemed the chair to be exchanged however they wanted to charge me {$100.00} to deliver it. I told them No that Id rather have a refund. I also informed them in XXXX of XXXX that I was no longer going to make payments on the product if they did not repair the chair or exchange it. It its now XXXX XXXX and I continue to call them for refund, however they say they still ca n't do that because its against their policy. They still wanted to charge me XXXX. I told them they have falsely reported my credit as negative as they sold me a product that stopped working and failed to make it right. 

Id like to file a complaint for falsely reporting my credit and have this removed from my credit.
Product: Mortgage

On XX/XX/2020 I received a phone call from my current mortgage offering me a no cost payment reduction loan. I currently have a 30 year mortgage at XXXX and I was going to reduce it to an 8 year at XXXX. This should be a slam dunk quick refi. I was told 30 days. Everytime documentation was requested I had it to them with in an hour. My issue is lack of communication. Nobody ever tells me they need more documentation. After 4 or 5 messages I get a random response asking for the same items again. I then resend the documents. I never received any type of confirmation or anything that they arent received. I have been elevated up to three levels of management at this point. Every single time it has been exactly one call with a lot of apologizes and promise of a return phone call the next day. I never receive the return phone call. I call numerous times a day and nobody ever answers. I just get voice mails. All I want to do is to be able to wrap up this loan as soon as possible. I am so solid it is not even funny. My income is more than triple them when I got the original loan and I will be reducing the payment by {$400.00} per month. It makes absolutely no sense why this is not done.
Product: Debt collection

On XX/XX/XXXX between XXXX and XXXX I requested to close my XXXX account. Two weeks later my account was still open and they said I have a balance due. I pay the balance and requested my account to be closed. About Two weeks later I received a new bill. The bill stated that I owe {$60.00} when I logged in to pay the bill the bill total was {$68.00}. I paid the bill the reference number is XXXX. I asked XXXX to provide proof that my account was closed and they sent me an email That did not represent XXXX. I told them I would like to close my account and every time I wanted to close my account they added a new bill. I paid the new bill and they never close the account dragging it for two months. This has caused me a large amount of stress I even stressed to XXXX that I do not want my stuff to go to a collection agency so I would like to pay everything and close my account. I received a bill on XX/XX/2021 and on XX/XX/XXXX, my account was sold to a collection agency which is less than 30 days and I am really confused because the bill was paid. The manipulative tactics they used on me for two months as I beg them to close my bill. This Has caused me so much stress to where I cant sleep or eat I am always thinking about why my account is not closed and why wouldnt they close it even though all bills were paid and nothing was the due. Every time I requested to close my account they added a new bill. Ive been requesting to close my bill from XX/XX/2021 to XX/XX/2021. Why does it take two months to close an account upon request even though account is paid in full? I it is unfair manipulative and deceptive for XXXX Not close my account on XX/XX/2021 and drag my account for two months forcing me to pay What I dont owe In order to close it. How do you send me a final bill on XX/XX/2021 and it was sold to a debt collection agency before XX/XX/2021? Im really confused and I think this is very manipulative I am literally XXXX  because of XXXX. When I called XXXX close my account, they asked me if I would recommend this service to friends and family and I told them no and They falsely made a debt and sent it to the collection agency a few weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am processing disputes on my credit report with Equifax to delete all inaccurate information that is hurting my file. please review an delete all data listed this had held my file down for years. I need this issue deleted asap.
Product: Credit reporting or other personal consumer reports

I have called multiple times because I can not temporarily lift my freeze from the website. On this most recent call with them they said there was a file error on their end and said it was " too complicated to explain ''. The person proceeded to tell me it was fixed and try again, which lead to an error page saying the credit freeze is temporarily unavailable. It was a different screen then before, but the same message. They were unable to resolve the issue and it is being escalated internally.