23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Had issue with pending money thru this account. Called a fake 800 number provided by them. {$270.00} on XX/XX/year>. 
{$95.00} on XX/XX/year>.
Product: Debt collection

Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX
Product: Credit reporting or other personal consumer reports

USAA Savings Bank Account # : XXXX XXXX XXXX XXXX USAA Savings Bank Account # XXXX XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> my two credit cards with USAA Bank were used without my permission. When I arrived home from the XXXX Wedding Anniversary of close friends in XXXX Ohio I was greeted with two letters from USAA telling me my credit cards had been closed. I immediately called USAA and was referred to their fraud department. Their representative informed me that my two accounts were closed because of fraudulent transactions. I cooperated in every way with USAA and filed a police report with the XXXX XXXX Florida Sheriff 's Department which was provided to USAA. USAA refused to cooperate in the investigation. I identified the likely criminal. USAA refused to honor their " no liability for fraudulent transactions '' which they actively marketed for their credit cards and upon which I relied upon. After months of telephone calls and letters I gave up talking to them. USAA made no attempt to recover the money from the fraudulent transactions. USAA immediately sold the alleged debt to collection agencies who immediately upon receiving the police report ceased collection efforts. USAA also canceled my insurance with them after 42 years with no accidents in nearly 30 year because of the credit report. I hired an attorney who sent letters to XXXX, XXXX and XXXX with the police report and requesting they remove the incorrect information from my credit report. XXXX and XXXX removed the incorrect information. XXXX has refused to remove the incorrect information and it sole investigation was to contact USAA and ask if the debt was mine. USAA Bank has developed a long history of defrauding its customers with false advertising and solicitations. I am requesting that USAA expunge from my XXXX Credit Report any reference to the two credit cards claiming I defaulted on the credit cards. 

Police Report is too large to upload.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I just found this collection on my XXXX credit report. I called the XXXX XXXX XXXX XXXX billing numbers that were listed on the credit report. I gave them the details and they reported that I have no overdue/outstanding accounts. 

I called the Nationwide Recovery System line and talked to an agent and a XXXX. They provided information on this supposed collection. The birthdate was not mine and it listed a XXXX XXXX XXXX in XXXX XXXX that I have never seen nor have I ever visited the ER on XX/XX/XXXX. 
Their file number is XXXX XXXX. 

This is a false claim. 

XXXX XXXX XXXX
Product: Credit reporting

I was reviewing my report and noticed there is an address for XXXX XXXX. I have never lived in XXXX il or even near it.
Product: Credit card

Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial credit card.
Product: Credit card

In my XXXX credit report I have credit inquiries that I did not authorize, I already made the police report and I contacted the trade and XXXX and they have not done anything about it
Product: Debt collection

Sent debt validation letter to company on XX/XX/XXXX and per certified mail tracking number XXXX letter was received by company on XX/XX/XXXX ; i have not received any information to validate this debt ; the original creditor was removed from my credit for false information and then sold to another company and increased the amount of the debt owed without contacting me
Product: Mortgage

Ocwen was the loan servicer of my loan. Ocwen then sold it to  XXXX   XXXX , who gave me a trial payment plan. I went to the lawyers who represented Ocwen, but they will not cancel the eviction scheduled on my home, even though they no longer own it, and I am in a trial payment plan. They have extended the order of possession, even though Ocwen is no longer the owner of my loan.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  account number XXXX Date opened XX/XX/XXXX I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. 
All of these accounts must be removed from credit report.
Product: Mortgage

On XX/XX/XXXX XXXX provided me and Mr Cooper the information regarding my insurance renewal such as the inception date XXXX XX/XX/year>, the amount due {$1300.00}, and payment address. I then contacted Mr Cooper with the same information and got a response on XX/XX/XXXX saying they received the information. Mr Cooper says payment was mailed in the form of a bulk check on XX/XX/year> allowing only XXXX buisness days for XXXX to receive and process the check. On XX/XX/XXXX XXXX sent me a email stating they have not received payment from Mr Cooper. As of XXXX XX/XX/year> XXXX has yet to receive payment. On XXXX XX/XX/year> I paid my insurance policy in full to make up for XXXX XXXX failure to provide guarantees that the check was actually sent such as a tracking number. They provided a check number XXXX stating it was in the form of a bulk check. The morning of XXXX XXXX I contacted Mr Cooper and was not provided with any other answers as to why their check has not been received by XXXX and said all I could do is wait for XXXX to process the check and then they would send me a refund due to me paying what Mr Cooper was responsible for. Mr Cooper has demonstrated that it did not take ownership of this issue and accepts this situation as industry standard practices and most likely not correct what caused this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple issues I've faced with Equifax, including repeated unsuccessful attempts to freeze my credit report and an unauthorized credit inquiry. 

My personal details for verification are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I made multiple attempts to utilize Equifax 's app to both freeze and unfreeze my credit report. Regrettably, each attempt resulted in technological glitches and flaws that left me uncertain of my credit report 's status. The uncertainty is concerning, given the importance of safeguarding sensitive personal data. In addition, attempts to seek resolution through their phone support were equally unsatisfactory. 

Unauthorized Credit Inquiry : To further compound my concerns with Equifax, I discovered an unauthorized credit inquiry on my report referred to as the " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). This inquiry was initiated without my consent or knowledge, which is a blatant violation of my rights as a consumer. I
Product: Credit card or prepaid card

Comenity Bank card hasn't been used since XXXX of XXXX. On XX/XX/XXXX XXXX charges were made totaling {$330.00}. I received a XXXX XXXX Card Account Activity from XXXX XXXXXXXX XXXX on XX/XX/XXXX and shortly after a bill in the mail from Comenity Bank. I have called at least 6 times in the past XXXX days ( today is XX/XX/XXXX ) with no help at all. Comenity online service options does not have an option to report fraud or to dispute charges. Being on hold for over half an hour then to have the call dropped/disconnected several time is frustrating and brings to mind a scam company with XXXX XXXX  customer care '' representatives who do nothing but read from a script to verify account information and transfer the call to some XXXX  XXXX department XXXX XXXX to answer calls. Comenity Bank is reporting incorrect information to credit bureaus about me I demand that these fraudulent charges removed from my credit history and close completely close the account with Comenity Bank.
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. 
This account was never verified as accurate. Since then the account has repeatedly been updated as " collection '' every month. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

I am in the XXXX XXXX XXXX XXXX XXXX program. XXXX/XXXX/XXXX I paid XXXX dollars to my XXXX/Navient private student loans. Prior to making the payment I asked the customer service agent 2 questions : 1 ) Will this be applied to my principal? 
2 ) will this pay my account forward XXXX2 years? 
The agent advised me " yes '' XXXX would be true. Subsequently, over the past 2 months I have been charged a monthly bill. Last month I called Navient and spoke to a customer service agent who advised me that there was an error in their system and that this would be corrected by XXXX/XXXX/XXXX and My account should be payed forward ~22 months. However, today I again noted that I have been charged a monthly bill for this loan. Today, the customer service agent and supervisor told me XXXX new responses : XXXX ) firstly, that because I was enrolled in automatic bill pay at the time I made the large payment that this was not able to be paid forward. 
XXXX XXXX Than later after being on the phone with them for about 40 minutes I was told that this type of loan can not be paid forward. 
I have advised the supervisor that I had SPECIFICALLY asked the original customer service agent this question prior to making the payment and had confirmation and was again advised last month that they had corrected the problem and that had been again advised that the loan was than to be paid forward XXXX months. To which her response was essentially that they where not responsible for what the previous customer service agents had advised me but they would be disciplined if upon review they they where in error. 
This dose not really help me as the money I have budgeted to pay this loan monthly is now in their hands and they continue to request payment. This causes me financial hardship ( as I have many student loans and other debt ). The remedy I would like is that they apply the funds ( which I have already paid them ) forward 22 months as they originally have advised me was being done. 
- for the time being I have requested forbearance Supervisor I spoke with last was " XXXX '' ID : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint about 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 there 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 violations.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through Experian regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of XXXX XXXX ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but XXXX XXXX fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown thing on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate this item within XXXX  days gives a reason to immediately remove this item from my credit report. It has been over XXXX  days so this should be deleted promptly. I demand this account be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Student loan

I submitted my PSLF application to FSA over a year ago, XX/XX/2022 and I am still waiting for them to update my employer 's eligibility status from undetermined to approved. I used the PSLF help tool and submitted additional supporting documents to include a supporting letter and a copy of my employer 's articles of incorporation and bylaws as suggested. My loans have been transferred to Mohela and when I contact them regarding the status of my PSLF application, they state that they are waiting for FSA to determine my employer 's eligibility. I've been contacting FSA to get this information but they continue to transfer me back to Mohela. Both parties continue to transfer me back and forth and no one is helping to provide a status update or review the supporting documents and application that I submitted a year ago. Is it possible to get my issue escalated or resolved asap?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to XXXX XXXX XXXX EQUIFAX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, XXXX, AND EQUIFAX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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