23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Formal Complaint Improper Debt Verification and Illegal Reporting Dear CFPB Representative, I am writing to submit a formal complaint against Credit Collection Service for improperly reporting a debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). This company has failed to contact me or provide any proper validation of the alleged debt, as required by federal law. 

I do not believe that this debt is valid, nor have I had any prior dealings with Credit Collection Services. Furthermore, I suspect that this company illegally obtained my personal information and improperly used it to report inaccurate information to the credit bureaus. 

Under the FCRA, companies reporting debts must take the following steps : Provide written notice of the debt within five days of first contact.

Offer me the opportunity to dispute the debt and request validation within 30 days.

Upon dispute, supply proper documentation that validates the debt, including any original agreements or contracts with my signature.

Credit Collection Services has failed to follow these legal requirements. They did not notify me, provide any form of communication, or supply proper documentation verifying this debt. Reporting unverified information is not only unethical but also illegal under the FCRA. 

I am demanding that XXXX XXXX XXXX remove this unverified and inaccurate debt from my credit report immediately. If this issue is not resolved within 14 days of receiving this letter, I will have no choice but to pursue legal action against the company for violations of my consumer rights. 

I request that the CFPB investigate this matter promptly to ensure compliance and protect my credit profile from further harm. I also ask that written confirmation be provided once this debt is removed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Inquired on XX/XX/year> XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$940.00}
Product: Checking or savings account

Last year I moved out of my apartment and received my security deposit from the leasing company via check totaling {$1700.00}. I had just recently created a Chase checking account and decided it would be best to deposit the check into the new checking account to ensure I had funds in it. I did so via mobile deposit on my phone. About a month or so later, I received a letter in the mail from Chase bank notifying me that they were closing my bank account and holding onto the {$1700.00} of the security deposit. After several attempts to understand the situation, by both going into a local branch and calling several Chase phone numbers, I was told that the check had to be verified by the landlord/leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX . I provided all the numbers my leasing company shared with me, but Chase would not accept any of them. I then asked if they would just return the check to the leasing company ( check writer ). That way the leasing company could then void this check, write me a new one and I could cash it directly with their bank ( XXXX XXXX ). However Chase Bank said they would not do so. They would continue to hold onto the money until it was verified, however every phone number I provided for the writer of the check they would not accept. I asked the leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX ) if they would be willing to go to a branch with me to verify. I provided all of the information that Chase said would be needed : 1 ) Proof of ownership of the business ( ex : certificate of the LLC or Inc ). 
2 ) Proof that the check was written by the business owner ( ex : business checks have a receipt at the back of a checkbook or a letter from the account that has all necessary information ( date, amount, check number ).

3 ) ID ( 2 forms ) ( ex : drivers license, debit card, passport ) The management company who sent me the check replied with the following " We are the property management company for XXXX XXXX XXXX, we do not own this property. Please ask your bank what they actually will need from me. '' Although I had provided that to them. 

It seems that the management/leasing company who has changed their names several times doesn't have a phone number that Chase will recognize. And given Chase won't cancel the check/return to the funds to the leasing/management company and the management company will not take any further steps to address the issue ( their last communication to me was I just have to deal with the bank because the {$1700.00} was pulled out of their bank account already ), I'm at a loss on how to proceed. Chase will continue to hold onto the money and give it back to the state as unclaimed funds although I keep attempting to claim them, but they will not accept my efforts to do so. Any assistance would be greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

I have sent several letters to credit monitoring companies such as Equifax also XXXX they will not remove negative remarks on my credit file
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they XXXX XXXX XXXX XXXX. They have just started calling me this month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. 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  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

RE : Notice of unauthorized use of my debit card for purchase of a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order number XXXX. 
US {$1300.00} Total {$1400.00} I was the victim of identity theft when my XXXX and XXXX accounts were hacked XX/XX/XXXX. I did not authorize this transaction on or after this date, and I did not authorize anyone else to use my debit card in any way. The above item was sent to an address that is not mine nor was it added by me. 
-XXXX XXXX  order was shipped by XXXX XXXXXXXX on XXXX XXXX XXXX at the XXXX address and delivered on XX/XX/XXXX. It was signed for by a resident there named, XXXX XXXX. A person unknown to me. 
I have followed all required protocols regarding handling disputes and claims and received no satisfaction from XXXX, XXXX or the sellers. My bank, Commerce Bank states they are not liable for the damages I have suffered since I bought another item on XXXX that same day and thus, I must have authorized the withdraw of {$1400.00}. XXXX from my bank account which caused an overdraft. Commerce Bank alleges that since the thief went through XXXX that it is not fraud. He hacked my account, used my name to ship and paid with my bank account. How is that not fraud? 

Commerce Bank has ignored all requests for a refund. Their entire " investigation '' consists of reading my bank statement and seeing that I made a XXXX purchase to buy a shirt that day. 

I have spent months trying to remedy this situation since I am on XXXX and can not afford this loss. XXXX, XXXX and the company, XXXX all claim that the bank is liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00}
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Money transfer, virtual currency, or money service

I am transferring money into my Wise USD account using my ACH from my banks such as XXXX, XXXX, XXXX, and XXXX. I own all of these accounts as personal checking. My last known current balance on Wise was about {$720.00}, in which the {$700.00} was from a deposit from my XXXX account a week ago. I needed to transfer funds into my XXXX account as direct deposits, so I tried adding money into my Wise account to fund my XXXX. Around XX/XX/year>, I initiated deposits into my Wise account, with a deposit request from my XXXX  for {$2500.00}, from my XXXX  XXXX for {$1800.00}, and a direct ACH transfer from my XXXX  into Wise for {$1800.00}. I canceled the XXXX XXXX transfer because I only needed {$5000.00} for my XXXX account, but the money was already taken away according to the transaction activity in XXXX XXXX. I believe I called on the XXXX or XXXX to customer service to confirm when my refund will occur since I canceled the transfer and said it should be paid out around the XXXX. On XX/XX/XXXX, I received an email that my {$2500.00} XXXX XXXX was paused and requested the reason and a bank statement proof that I owned the XXXX  account, so I emailed back the proof requested. On XX/XX/XXXX, I received another pause but for my {$1800.00} XXXX deposit which required details again but on the app instead. I submitted all requirements for me, and later that night noticed that my Wise account has been closed with no clear reason given. My money is now stuck in limbo and I am unsure if the XXXX XXXX refund will even happen.
Product: Checking or savings account

Starting XX/XX/2021 case number XXXX i email Credit karma @ XXXX this case was regarding the deactivation of my debit card there was no explanation given. On XX/XX/2021 my spend account and savings account was randomly closed with no explanation I was told credit karma has the right to close accounts on their discretion XX/XX/2021. On XX/XX/2021 case number # XXXX i was completely locked out of my credit karma account with no explanation provided as to why. I have made several attempts to resolve thee issue with no sufficient explanation. I contacted a lawyer and out lawyer sent credit karma a letter to resolve the above said matters on XX/XX/2021 after our attorney followed up with us to inform us XXXX XXXX has not followed up with XXXX  ; XXXX XXXX XXXX, XXXX, and me we are seeking your help in making attempts to provide aid in assisting US in the above said matter.
Product: Credit card

ACCOUNT HAS BEEN CHARGED OFF AND ACCOUNT CLOSED BY XXXX XXXX. The account is still being negatively reported on my credit report as if it is still a open. Threatened to be sued over debt.
Product: Debt collection

They called my wife and gave her a phone number and a case number and told her that they were attempting to serve me at home but I was not there. When I called them to find out what the debt was I realized it was an old time-barred debt.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my credit report, I contacted the XXXX XXXX in XXXX of 2023 regarding my Auto Loan payment history. I asked them to contact Equifax to reinsert the previously deleted material. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX said they would contact the credit bureaus to solve this. This account is hurting my ability to obtain credit. 
I understand that you will investigate all parties involved to verify its accuracy : ( Account Number : XXXX & Account Name : Auto Loan )
Product: Mortgage

We were offered a home forbearance during Covid and was told it would be added to the end of our mortgage which would be extended in years. Our mortgage was transferred 3 times during covid and now Fay servicing is saying we owe the full amount or XXXX or they are going to change our locks. They have disabled my login and iam unable to get statements and my tax information. I have called and left vm. No one will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$17000.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$17000.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} NXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}
Product: Mortgage

HI I HAVE A MORGAGE WITH MR.COOPER, MAY LOAN IS  CONVENTIONAL WITH INTEREST RASTE OF 7.875 %, MY MONTLY PAYMENT IS XXXX AND MY MATURITY DATE IS XX/XX/2022, I ASK FOR A PAYOFF QUOTE AND THEY GAVE ME XXXX BUT IF YOU DO A CALCULATION OF 53 MONTHS THAT I HAVE TO FINISH PAY, TIMES MY MONTLY PAYMENT THATS FIXED OF XXXX, YOU HAVE XXXX. 
I CALLED THEM TO KNOW HOW THEY CAME OUT WITH THIS AMOUNT AND THEY SAY THAT IS A TERMINATION FEE AND I HAVE TO PAY THE XXXX IF I WANT TO PAY OFF MY MORGAGE, AFTER I PAY THE AMOUNT THEY ASKING, THEY GOING TO REIMBURSE ME THE REST.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Unable to access savings account from Goldman Sachs bank, two seperate accounts opened over 2 years ago, Bank refuses to provide information on the accounts without a set password that I do not know. I would like to withdraw the money in both accounts and close any and all dealings with Goldman Sachs.  letter received was titled " Marcus by Goldman Sachs. ''
Product: Money transfer, virtual currency, or money service

I am a victim of ID theft. The suspect opened a fraudulent account at venmo and withdrew cash from my bank account. I contacted venmo multiple times to resolve the situation and to obtain information according to section 609 ( e ) of the Fair Credit Reporting Act. Operators were totally uncooperative citing some vague privacy policy. 
Quote from XXXX XXXX at venmo : " XXXX here, I am an Account Specialist at Venmo. I have picked up your case for further assistance. Thanks for sending over your documentation. However since you do not own the account we are not permitted to provide information regarding the account. " Section 609 ( e ) of the FCRA is very clear that in cases of ID theft they must release this information to the victim. 
I provided venmo with the XXXX XXXX police department report and the FTC ID theft report to support my claim.
Product: Credit reporting

XXXX accounts were recently removed from my credit report in error and Experian refuses to correct this. XXXX of the disputed items were removed in error on THEIR end, as I disputed the payment status and comments ONLY and they removed the entire account. They sent a letter saying that they will not add information from a third party, consumer. This information had already been on my credit report! This is also my XXXX letter being sent to them. The XXXX item was disputed in error on my end and I asked for this to be re-inserted and that is when they sent the letter stating they will not re-insert.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$7300.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX requested deferral under the Cares Act due to loss of income XXXX approved for 3-month deferral beginning XX/XX/XXXX through XX/XX/XXXX XX/XX/2020 XXXX begins the process of requesting an extension XX/XX/XXXX through XX/XX/XXXX follow up multiple times a week to request status of the appeal and provides any and all requested documentation XX/XX/XXXX receive letter denial of extension XX/XX/XXXX began process to appeal denial XX/XX/XXXX lender requests additional documentation XX/XX/XXXX call SLS have conference call with SLS and my attorney due to no update on status on appeal XX/XX/XXXX property is sold XX/XX/XXXX SLS sends satisfaction of mortgage letter XX/XX/XXXX begin purchase of property in Texas XX/XX/XXXX lender contacts me to provide documentation of forbearance as credit bureaus show the account was closed as 120 day late XX/XX/XXXX call SLS requesting letter showing forbearance period XX/XX/XXXX call SLS for status on of my forbearance letter, told SLS decided not to send letter and was just correcting bureau. Told SLS to send letter I requested, was told would be getting response in 48 hours XX/XX/XXXX receive letter stating that they completed a request to take the forbearance of the mortgage ( which was not requested ) and payments to begin XX/XX/XXXX on a mortgage that is paid off and closed XX/XX/XXXX call SLS with mortgage broker to get his assistance to have them correct the account. SLS stated they have 30 days since I called on XX/XX/XXXX to correct the account status with the credit bureaus. When requested documentation be sent to me for proof of what the agent stated on the call. She hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}