23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX a representative from JPL Recovery solutions contacted my employer regarding garnishment of my wages. However I had yet to receive a letter from JPL Recovery Solutions regarding this alleged debt.

On XX/XX/XXXX, I contacted JPL Recovery Solutions and requested a Validation letter regarding this debt so i could review it. When I spoke to the representative from JPL Recovery Solutions I specifically asked that my employer not be contacted since I can not receive phone calls. I was told the first call was for verification of income only. 

However I was informed by my employers payroll department that a XXXX XXXX from JPL Recovery Solutions had called them again this morning. 

It appears they have ignored my request regarding my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Experian has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX  XXXX  XXXX never late
Product: Money transfer, virtual currency, or money service

I am writing to express my profound disappointment regarding Zelle 's dispute resolution process. Particularly, in light of the recent CFPB lawsuit. Their handling of my recent claim was inadequate and lacked transparency. The provided documentation was not thoroughly reviewed, resulting in an unfair outcome. This lack of diligence has caused significant financial hardship and eroded my trust in the platform. I urge you to address these systemic issues to ensure equitable resolutions for all users.
Product: Credit reporting

Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached.
Product: Debt collection

Creditor is calling someone who is not me. I have tried to reach them through mail for debt validation and no response. The person they contacted was given all directions on how to look into a debt they say I owe and even provided the last 4 of my SSN in order for him to sign in to look at personal information. This person is NOT my spouse. The companies name is Portfolio recovery.
Product: Credit reporting

Equifax refuses to investigate credit inquires I have disputed this with the cfpb multiple times and no change from Equifax Equifax continues to state that I must contact the creditor if I disagree with the inquiry but Equifax continues to display inaccurate info at the expense of my credit score and credit reputation
Product: Mortgage

My mortgage company did not pay my insurance through my escrow account, while caused a cancellation. I am not required to purchase new insurance to remove the lender placed policy. No insurance company will insure me due to the lapse in coverage, and the one I did find will insure me a three times the rate I originally had. 

My mortgage company received four letters requesting payment from my insurance company. A renewal letter was sent on XX/XX/XXXX, a reminder was sent on XX/XX/XXXX, a pre-cancellation notice was sent on XX/XX/XXXX and the policy was not paid so an official cancellation notice was mailed. 

I never received any letters from my mortgage company to let me know they had not issued payment for insurance. The agents have all confirmed they can not locate any notification that was ever sent to me. I had no idea I was uninsured until XX/XX/XXXX when they purchased lender placed insurance on my home. From XX/XX/XXXX through XX/XX/XXXX I have not had insurance on my property and the mortgage company has never reached out or notified me of this ongoing issue. Now they are unwilling to provide me with my investor information as I would like to speak to them on the " servicing '' they are providing my loan. 

The agent let me know it is not their responsibility to " monitor the account all day and night to make sure you are handling your mortgage needs. '' This has now caused me months of calls, research, XXXX, and now a policy of minimum coverage at three times the rate. This will cause my mortgage payment to increase, and I am already having a hard time with making the payments. They tell me this is not their problem. Please help!
Product: Credit card or prepaid card

Claim submitted on XX/XX/2021 Bank of American for {$84.00} in purchases made through my credit card after I had lost it. I reported the charges as soon as I found out and blocked my card. They sent me a new card and gave me credit for the unauthorized which was later reversed. I have called them multiple times after the credit reversal to get more information and they assured me that they'd review the charges and reinvestigate. However, I haven't heard back from them.
Product: Checking or savings account

A few months ago I deposited {$10000.00} to my Chime checking account, from a XXXX XXXX XXXXXXXX account in my name. 
The transfer went through without issue. 
Then I tried to use the funds ( transfer to a broker ) and Chime suspended my account. 
Since the I have been stuck in a customer support XXXX wasting hours and getting back automated or scripted replies asking me to send more documents or send documents that they already have. 

I submitted proof to Chime that the funds came from my own XXXX XXXX XXXXXXXX Account. It's clear there is nothing fraudulent here. It's clear that they don't care about resolving critical customer issues reasonably and quickly. I need to pay bills. This is criminal.
Product: Credit card or prepaid card

I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.
Product: Credit reporting or other personal consumer reports

hello I have been reviewing my credit report and I have found several accounts that have been put in my name.
Product: Credit reporting

I was recently alerted by a credit reporting agency regarding a Judgement Placed on My Credit Report. XXXX XXXX XXXX Placed a NEGATIVE REPORT stating a Delinquency Regarding XXXX from 2001. 
I have NEVER been Contacted by this company by phone or mail regarding this account. 
This may NOT EVEN BE MINE. Not sure what it is, who it belongs to, just that it was Placed on my Credit Report Causing my Credit Score to Drop XXXX points!!!!! 
I sent an email to the company Never received a Response. 
A DEBT from 2001!!!! is n't their a statue of Limitations? But to also attach something like this on someones credit report without any correspondence? 

It Certainly pays to Monitor your Credit Score on a regular basis.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Chexsystems in order to dispute some inaccurate personal information being reported on my file on XX/XX/2020. There were old phone numbers that do not belong to me listed in my file as well as addresses at which I do not currently reside. There were also misspellings of my current address that were missing my apartment number. On XX/XX/2020, I received their response. ChexSystems responded by saying that the information could not be removed because it was either given to them by me or reported by other sources. However, they did not address whether the information was accurate or inaccurate. They just refused to act. They can not maintain phone numbers in my file that do not belong to me. Any phone number at which I can not be called is inaccurate and irrelevant to anyone obtaining my report. The same is true for the misspelled or incomplete addresses they have listed. I honestly can't believe they are making it this difficult to correct my personal information.
Product: Debt collection

XXXX XXXX and I reached a settlement for account no.XXXX. However, the trade line has passed the seven year threshold prescribed by FCRA 15 U.S.C. 1681c ( c ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX, and XXXX during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.
Product: Debt collection

I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.
Product: Debt collection

Rent Recovery Solutions sent me a notice of collections on a debt and I promptly responded via certified mail ( in less than 30 days ) asking for validation. They took their time ( about 45 days ) and sent me limited information that did not substantiate the debt. I sent another reply asking for further information as well as proof that they are a valid collections company that is licensed to collect in my state and they did not send me the information I asked for but still reported the debt on my credit report even though it was still in the dispute process ( started in less than 30 days after first notification ). 

I called them and asked them to remove the debt from my credit report so we can continue the validation process and they refused. They are operating in violation of the FCRP and are offering me no recourse. I just want the federal laws to be followed and a fair chance to make sure this is a valid debt. This debt should be removed from all of my credit reports until validation can be made.
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 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: Vehicle loan or lease

I have an auto loan with Wells Fargo Dealer Services. Due to financial hardships I have fallen one month behind and struggle to catch up. I literally work 3 jobs in an effort to catch up on my bills. I have explained this to them repeatedly and have been in constant communication with them on a monthly/weekly/daily basis to set up payment arrangements and work with them. I told them that even though I will always be a month behind, I consistently pay them. They refuse to defer a payment too. Even with these explanations and arrangements, they continue to call on a daily basis ... sometimes several times a day. It is upsetting and it is harassment. It would be different if I was ignoring them ... but I have continually communicated with them. I managed to make a payment last week, and made another one today. But I am currently 4 days late. I can't pay them again, until this same time next month. Even with being only 4 days late ... They are still calling! It is a bit over the top. Especially when you consider all the money they are making on my late fees! I sure wish I could put my name and account number here so when you send comments to them and will know who it is. They sure don't listen to me when I explain and ask them to stop calling 24/7. It won't bring the money any sooner. Obviously if I had it I would pay it! Not an easy group to work with that is for sure ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX, XXXX, and Trans Union. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
Product: Credit reporting or other personal consumer reports

I was recently looking over my credit report and noticed several inaccurate and incomplete accounts on my report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my legally protected consumer rights to privacy under to XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, Sensible Auto Lending XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, CitiCards XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. Equifax is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Equifax is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. Equifax is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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. Equifax is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
According to XXXX XXXX XXXX they are supposed to ensure this 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. Equifax is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. Equifax is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.
Product: Debt collection

I wrote a letter asking for information that I am entitled to and disputing an account they are reporting. I asked them for a list of things, and what they sent hardly fulfilled the request. As per the FDCPA and FCRA I am entitled to certain information a list of what I requested is as follows : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; ( itemized Bill of Particulars ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( original contract ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent as you can see with the attached information, they only fulfilled a very small portion of what was asked of them! PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have been trying to use my XXXX XXXX XXXX XXXX card from Citi for nearly XXXX weeks now. Every single time I have tried to use the card, my card declines due to account verifications. I have submitted a " letter '' with a pin number sent to my home, I have verified using other methods as well such as phone number, but have been denied services to this nearly XXXX $ annual year credit card. Over the past month I have attempted to put nearly XXXX onto this card in purchases, but have been refused. I got this card to hit status with XXXX XXXX, but due to Citi 's system have been unable to due to these problems. I have opened a case with Citi XXXX XXXX XXXX but to no avail, so I am finally taking appropriate measures to resolve my issue.
Product: Credit card or prepaid card

I reported a frudent charge I didn't recognize to XXXX XXXX  Credit card for {$100.00}. The representative for this company told me not to pay on it until it is investigated. It's been a few months and now I have accrued {$78.00} in fees that I'm now told by another representative I must pay if I don't want to continue to pay more fees or interest while it is being investigated. I read on consumer ftc.gov that a fraudulent charge that is being investigated should not be charged additional interest. It's also been over 60 days I believe now since it happened and there's no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing paid off accounts as collections either FCRA violation or FTC b/c these accounts are inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX please remove fraudulent unauthorized inquiry from my report or provide proof within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX SERIAL # XXXX has violated my rights. 

1 5 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

I won the small claim on XX/XX/2022, against the refund issue. The defendant net spend corporation did not pay me after 30 days of notice was mailed to them. I spoke to their manager and ask who can handle the payment. The manager did not know it. I can not collect my claim amount after I won the case. I need net-spend cor contact me asap
Product: Mortgage

I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX XXXX Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.