23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Stellar Recovery added an item to my 3 credit reports in regards to XXXX XXXX. I have never had an account with XXXX. First off Stellar never sent me any information that to dispute this account before adding it to my credit files. Secondly they are falsely trying to collect a debt not mine and has not sent me any kind of debt validation. I am demanding this account to be removed from my credit report, send me all accounting information on this account, send me proof of signature on this account. Stellar is violating my rights under the FCRA and I want solutions. If this is not completed within time frame I will be filing a complaint with my local attorney generals office and with the BBB.
Product: Money transfer, virtual currency, or money service

For weeks now I have been attempting to link my online banking with a trading platform and unfortunately I have notr been able to. I have done it twice and since then the bank unlinked my account and refused to allow me to link them again. I get an error message everyrime I make such attempt. One error message read that the bank is blocking me from linking my accounts. I called the bank, not to mention the ongoing struggle of getting ahold of customer service. Almost everytime I reach them, it takes at least 30 minutes ro finally speak to a representative who told me that its not them while it is. A previous issue that Ive had was with changing my pin because it, when I called it took half an hour to speak to a rep who told me I have to go in a branch to change my pin, lying about a policy change that this service is no longer available over the phone. When I checked online it clearly indicates that I can always call to change my pin. Not ro mention when I asked for an escalation to a supervisor they made me wait an hour until they hung up. NO EXAGGERATION!! Mind you I have activated voice recognition meaning there is no concer of fraud. Terrible service.
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 customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Under the provisions of the FCRA section 605b, I need the following item deleted as soon as possible : XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Earnin is an app that lets you do an advance without fees of a traditional payday loan I used the app for a loan in XXXX I asked for a new date but it turned out that I wasnt paid enough to cover the cost of what I borrowed I contacted then several times and no one assisted me or provided any sort of payment plan they just all used the same scripted answer and made me feel even worse. I have tried to work with them to no avail and now I had to take out a very expensive loan with XXXX and I have ten payments I have to make on the loan I took out with high interest because Earnin wouldnt work with me and instead was willing to have the item bounce or cause me to go overdrawn with additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : American XXXX XXXX XXXX Account Number : XXXX You, XXXX XXXX XXXX XXXX, have violated my rights and provided false and misleading information and are guilty of racketeering and extorting me ( and most likely others ) for a debt that you can not prove that is mine! 

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 an 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.

15 U.S. Code 1602 ( g ) You took money from the Federal Reserve using my social security account and lied on the contract making it seem like I am the debtor when in fact I am the original creditor as the consumer. 

15 U.S. Code 1692j- It is unlawful consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S. Code 1666d - Treatment of credit balance - Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months ( also the down payment ). except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States. The security interest secured obligation of the vehicle. So there is no reason for a remaining credit balance.
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 Account Number : XXXX Account Name : XXXXI Account XXXX : 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: Checking or savings account

Truist has been charging inappropriate fees on my account and when I tried to correct this they told me I would have to drive to a branch. This started last month when I noticed on XX/XX/XXXX last month and XX/XX/XXXX this month, there were charges for {$7.00} and {$13.00} respectively for a withdrawal fee limit. I have gotten more than {$60.00} out of the ATM and have done nothing more than transfer funds between my accounts and pay my mortgages and credit card statements. I called Truist today, XX/XX/XXXX, the representative told me he needed to dispute these charges. I explained this was not fraud and was Truist making these charges. Whole he confirmed they were erroneous, he told me I'd have to go to a branch to reverse them. There are no branches close to me that are open on Saturday. Also, I don't see why as a consumer I should have to take off work and drive to a branch to get {$20.00} in charges reversed when gas in {$4.00} a gallon. I have my mortgage with Truist and a savings account so I am particularly frustrated with not being able to get this handled over the phone. I hope this is just an innocent mistake but I am reaching out because I suspect I am not the only person with these issues.
Product: Credit card or prepaid card

My Social Security Number was used to open up a credit card Barclay bank I didn't not open or give anyone permission to open up this credit card it was opened on XX/XX/2019 and has a balance of {$4100.00} This account was opened Fraudantley XXXX
Product: Debt collection

On XX/XX/2018 I sent a certified mail letter with return receipt to the collection agency Wakefield & Associates to validate the alleged debt that were on my file. The account are as followed : Account : XXXX  The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Wakefield & Associates currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Wakefield & Associates validating this alleged debt. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate this alleged debt. If this collection is not deleted I might sue for violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account Dispute Analysis Dear CFPB, I am writing to formally dispute the account reported by XXXX XXXX XXXX XXXX XXXX under XXXX, which appears on my credit report with the account number [ XXXX XXXX XXXX. 

Account Details : Account Owner : XXXX XXXX ( Individual Account ) Original Creditor : XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Account Status : Unpaid Balance : {$230.00} Original Amount Owed : {$230.00} Date of Last Payment : [ Date of Last Payment ] Date of First Delinquency : [ First Delinquency Date ] Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Dispute Analysis : Lack of Debt Validation : XXXX XXXX XXXX XXXX XXXX has not provided adequate proof that this debt belongs to me or that they have the legal right to collect on behalf of XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper documentation proving this debt is mine, which has not been provided. 

Inaccurate Reporting : The reported balance of {$230.00} may not be accurate, as I have not been provided with a full breakdown of charges, payments, or any adjustments. The absence of this information raises concerns regarding the validity of the reported amount. 

Potential Violations of Consumer Rights : The collection agency, XXXX XXXX XXXX XXXX XXXX, may have violated the FDCPA by failing to validate the debt within the proper timeframe, as well as failing to report accurate information. These potential violations could also be a breach of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. 

Given these issues, I request that this account be immediately deleted from my credit file, as the reported information is unverifiable and likely inaccurate. 

Please confirm receipt of this request and notify me of the outcome as soon as possible. If additional documentation is required, you may contact me at XXXX. 

Additionally, I am forwarding a copy of this dispute to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Copy to : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Website : www.consumerfinance.gov
Product: Debt collection

XXXX referred the bill owed to Southwest Credit Systems ( SWC ) for collections. On XX/XX/XXXX, SWC offered to settle the entire account for {$390.00}, which was paid. SWC did not advise XXXX that they made a settlement offer to compromise the amount owed. As a result the account continued to be referred to subsequent collections agencies who have attempted to collect last year ( XXXX ) and again this year ( XXXX ). XXXX has now directed that collection efforts cease but they contend there is still an amount owed of {$340.00}.
Product: Credit reporting or other personal consumer reports

My information has been expose in A DATA BREECH, # ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with XXXXXXXX XXXXXXXX XXXX XXXX  many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX Ive reach out to both XXXX and Transunion in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail
Product: Credit card

Discover credit card company allowed XXXX  fraudulent charges of XXXX be added to my account equaling a total of XXXX. All of my card was stolen and my phone person belonging along with my phone I have gotten the police involved and they demanded I continue to contact my banks I have spent month crying and begging for help because I can not afford this Discover Credit card continue to denied my claim after giving all evidence I even tracked the locations where the purchases was made trying to get help and noe one could help me please I need my my money Im a XXXX XXXX of XXXX and wouldve never go into XXXX and buy {$500.00} worth of items. Discover disappointed me and only care about money this is not right I dont deserve this
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. I look forward to your response. Also, please note that this is not coming from a credit clinic or or third party credit repair company. I, as the consumer, am sending this letter to you as myself. Thank you. The inquiries in question are not related to any actions I have taken as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus XXXX and Equifax about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
Product: Debt collection

I switched health insurance companies from XXXX to another provider. Health insurance is paid up front for the next month which had been paid until the switch to another provider. XXXX is claiming I owe them another month in the amount of {$1700.00} plus interest of {$94.00} and have employed multiple debt collection agencies to collect on services they did not provide. 

One of these collection agencies, XXXX XXXX XXXX, has sent a collection notice threatening legal action if not paid within 10 days without providing an explanation of goods or services provided by XXXX, my rights as a debtor who has 30 days to dispute nor a " tear-off form '' to dispute the alleged claim.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. Capital one is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX. XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX