23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Honestly very upset right now with this prepaid bank. 

I added {$500.00} to my account today at XXXX using the Barcode for my netspend account, i have the receipt and everything. I loaded the money at XXXXXXXX XXXX XXXX XXXXXX/XX/year> and it is XXXXXXXX XXXX XXXXXX/XX/XXXX and i STILL do not have my cash reflected in my account at all. This is actually the worst experience I've had with a bank. No sign of where my money went, the people at XXXX told me there's nothing they can do so that's not an option, tried calling netspend and they told me to visit XXXX again, which I did with no luck. I'm actually lost on what to do because my {$500.00} is not in my account and XXXX wont refund Cash Reloads. I just want my darn money back at this point, I'll probably never do business with this bank account after this situation.
Product: Debt collection

I called last week to follow up on if the original account holder would agree to a lesser amount. The agent said they will settle for {$620.00} to be paid in full. They are not refusing payment on that agreement amount. I recorded the conversation where another agent said the person I talked took " lied '' about the amount. I can email if you like but it is too big to upload.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 s-2 they are NOT suppose to 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: Checking or savings account

{$640.00} was taken out of my bank by my cash app account The money did not go to my balance, it just completely vanished I attempted to contact the dispute department multiple times and they are completely clueless on where my money went Then shortly after that my cash app goes into negative {$280.00}
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an XXXX XXXX assisting me as a victim of human XXXXXXXX XXXX XXXX, which is categorised under XXXX  as per XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late and the balance as reported in my XXXX Credit Bureaus. Lets correct this immediately. The XXXX  are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Stating a consumer owes a debt 15 usc1692 ( B ) 2. Furnishing a consumer report without the consent of the consumer, 15 usc 168 ( 1 ) ( B ). Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( XXXX XXXX XXXX XXXX.
Product: Checking or savings account

XXXX offer from Wells Fargo for {$320.00} to open checking account. Needed to have direct deposit. I had my social security check deposited for last 2 months into new checking. But do not receive the bonus. Have spoken to customer service and provided photo of confirmation of account opening and bonus offer confirmation code twice but never hear back
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously written XXXX and Equifax three letters to update my personal data. A portion of the information on my credit report was for homes I've never lived at, and I requested that they remove old, out-of-date addresses, phone numbers, and employment information in three separate letters. They never removed the locations and places of employment, so I'm going to initiate legal action against both agencies for failing to remove inaccurate information and for violating FCRA by not disclosing information that is 100 percent accurate.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy reporting. I contacted the XXXX Bankruptcy court and they sent a letter that they do not send bankruptcy reports to Credit Bureaus. I requested the hard copy. Once received I forwarded the letter to XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX
( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX to less than XXXX. It is now affecting my ability to buy a home.
Product: Credit reporting or other personal consumer reports

EXPERIAN : XXXX XXXX XXXX XXXX, TEXAS XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear EXPERIAN, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within 4 business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER ( XXXX ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ).

Proof of Identity : Copy of my government-issued ID and Social Security card . 
Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX
Product: Debt collection

I had an unfortunate experience with this complex that I feel compelled to share. Despite notifying them of my move-out date in accordance with our agreement, I was charged an additional month 's rent. The management claimed they did not receive my notice, and rather than verifying this with the employee who received my notification, they escalated the situation by sending my account to collections. This lack of accountability for their staff 's oversight has been both disappointing and frustrating. Prospective and current residents should be aware of this before signing the contact with this complex. Per XXXX  reviews these seems to be ongoing problem at this business. 

As a business owner myself, I understand that while tenants have contractual obligations, there is also a reciprocal duty on the part of the business and its employees to manage such communications responsibly. This action not only disregards the principle of accountability within business operations but also highlights a significant lapse in maintaining trust and integrity in tenant relations. 

Pleading ignorance when there were records to support the communication is not acceptable. And from reading the reviews it sounds like this is common practice. The complex is negligent in that they have employees answering phones that provide tenants with information that does represent the companies policies. The owner might consider investing the claims more thoroughly under the circumstances.
Product: Student loan

My loans were previously serviced by Nelnet and then sold to XXXX. My employer made a payment on my behalf to Nelnet after my account was transferred to XXXX. Nelnet cashed the check and it was never applied to my account. I called more than 5 times over the past 6 months and they keep saying they will provide a check to XXXX on my behalf for the amount but this has not been done nor has proof been provided that it was done. They have kept funds that were to be applied to my loans this causing me to accrue months of interest.
Product: Debt collection

Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the XXXX credit bureaus. Transunion, XXXX and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am writing to you with heavy heart that Fifth Third bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my  tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from fifth third saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that Fifth Third is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks  after than conversation i received a letter saying they will not fix it as it was not their error.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Mohela keeps sending me emails asking my employer to certify my PSLF form. I have worked for XXXX XXXX XXXX XXXX ( XXXX ) for 8 years now. XXXX uses XXXX XXXX to generate the PSLF letter to submit to my servicer. I have now sent in the document from XXXX 4 times, yet I keep getting messages from Mohela that my employer never replied. Replied to what? XXXX had a letter ready for me stating my employment which is still current since XXXX  in the same job at an XXXX XXXX. I've tried to call Mohela only to get long recorded replies. I can never, ever reach a human. I don't know what to do. I definitely have a lot of qualified payments that aren't being counted towards my public service forgiveness. How is this fair? I can't reach anyone! Not to mention I still can not afford the payments they want me to make. The only way I hear from them is via email and the emails are always the same telling me to call, yet I can never get anyone on the phone. The PSLF form my employer provides is all I have. I can not control what they allow me to use. The attached form generated by my employer is all I have.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX Account # : XXXX Dear Porfolio Recovery Associates , LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Portfolio Recovery Associates , LLC. 
Federal law, specifically XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, 2014 XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.
Product: Credit reporting or other personal consumer reports

The following account is not mine XXXX  Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

Based on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting XXXX XXXX accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary. 

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement. 

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures. 

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and XXXX these transactions from my consumer report within 4 days.
Product: Debt collection

I filed chapter XXXX bankruptcy in XXXX 2012. I included in my bankruptcy a bill from a company named XXXX. The bill was for residential garbage collection from my house that was vacant and being foreclosed. 
XXXX has given the bill to a collection company named Puget Sound Collections and they are currently trying to collect the amount past due. 
I 've contacted Puget Sound Collections several times and let them know this bill was part of a chapter XXXX bankruptcy filing. I 've even sent a copy of the list of creditors from my bankruptcy to Puget Sound Collections. It clearly states that this bill was part of my bankruptcy. 
They refuse to remove this from my credit report. It 's causing severe damage to my credit score and am in need of assistance getting Puget Sound Collections to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has now been inaccurately reporting information on my credit report for the past 4 years. The reporting consist of many inaccuracies as listed below : Inaccurate Reporting of Account Closed : XXXX, XXXX, XXXX Amount : {$630.00} This is false. This account was opened and closed in XXXX, and was also later included in my bankruptcy that was filed in XXXX. The amount is listed as charged off and bad debt, but the creditor is still reporting a balance owed, despite this account being discharged in bankruptcy. The creditor has also been reporting misleading information about my account closure date, in which, it keeps the account relevant and currently hurting my credit score and report. This is an unfair practice and unethical. This was closed over 4 years ago, and not on XX/XX/XXXX. 

Bankruptcy File Number : XXXX