23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. The following account is not mine XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is in F.C.R.A violations to report Late payment history on Collection/Charge off the account. In addition, these late payments are completely an error because they didnt follow the chronological order of days late timeline. I demand this account to be removed as theyre proven as completely inaccurate. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I never late on this account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, XXXX XXXX
Product: Checking or savings account

Flex Finance was NOT authorized to take money from my account at all. This company claims to pay your rent by taking money from your bank account and paying it on time for you. They have not gotten my permission, I never applied for anything to pay any rent. In fact, for the past 5 or 6 months, I've paid y rent late and been given late fees and been issued 3 or 4 30 day notices to pay rent or be evicted. How is this company " in business and authorized '' if they are taking money to pay my rent but I'm on the verge of eviction? 

I've asked my property manager over the phone and in person if anyone is paying rent for me and she laughed and said of course not. 

Flex has taken {$14.00} membership fee and {$500.00} from my checking account. I disputed it and got my money back but 60 days later, they charged me again and told my bank they had authorization to do business with me and I said they could take my money. 

I've had to close that bank account and stop direct deposit even thought I've had it open over 5 years. I'm now scrambling to find a new bank account to open but I have no trust these people won't find me again. They do not have a phone number and only communicate via email. I did and told them they are taking my money but I have no account or business with them. They asked me to verify my name, email and mailing address. I did and now they are saying my information is their authorization. I just want my refund of my money and for this company to leave me alone
Product: Credit card or prepaid card

I opened a Synchrony credit card to avail of 0 % financing at XXXX XXXX and XXXX XXXX furniture store. 
This is a store specific card. After I completed all my purchases over the course of a year, I did an account reconciliation and found out that my total charges on the account exceeded my total purchased at XXXX XXXX. I reached out to the store manager in XX/XX/XXXX and finally got confirmation from the bank on that they had XXXX charges of {$1800.00} which were in accurate and needed to be taken off the account. I have since XX/XX/XXXX reached out and followed up multiple times and am yet to see these charges credited back to my account. In my understanding of how systems works, it seems that there is no good way of accounting for these 18 month 0 % interest purchases between the store and bank. The system seems manual and error prone and I can only imagine how many other customers have had similar issues or just overcharged and not realized it. This defies any following of basic financial auditory controls to ensure accuracy of processing financial data.
Product: Checking or savings account

Deposit a check for a large amount on XX/XX/XXXX at citizens bank in XXXX XXXX. and now I am told it is on hold until XX/XX/XXXX It was drawn on XXXX XXXX XXXX  and taken out of my account XX/XX/XXXX Trying to invest the money with XXXX XXXX and Citizens bank said they will not pay interest until they take it off hold on XXXX XXXX Meanwhile I am losing money at XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX XXXXection 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a dispute to XXXX, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with XXXX customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.
Product: Credit reporting or other personal consumer reports

I sent to the credit bureau a letter asking to verify a debt on my credit report. They have sent it back saying that is everything is verified correctly. My credit report is still showing inaccuracies. According to the Fair credit reporting act everything in my credit report have to be one hundred percent verifiable, accurately and timely.
Product: Checking or savings account

I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank
Product: Mortgage

I bought my house/condo and put {$200000.00} down to make my payments {$130.00} per month. The company sent me a paper to sign to refinance, and I sent it back in ; however, they claim they can not find it. I talked to someone in XXXX, and they found it, but now nobody can find it again. I have talked to them numerous times, and I get nowhere. They say they need the signature which was already sent in and found by one staff member ; now nobody can find it again. I can not keep paying this high of a house payment when I only owe {$19000.00} on the place!!! They are so crooked it isn't even funny, and I am ready to get a lawyer involved to sue them.
Product: Debt collection

The company continues to call. There are NO emails, or letters to state what the debt is for and they do not say what it is for. Often times I never hear a call, but there is a message straight to voice mail.
Product: Student loan

Hello. I have served as a public servant in higher education for the past 13 years. I recently submitted my application for Public Service Loan Forgiveness after successfully making 120 on time payments over 10 years. I work for an XXXX XXXX XXXX- The XXXX XXXX XXXX. My application was submitted on XX/XX/XXXXXXXX  to my servicer ( FedLoan Servicing ). I received a response on XX/XX/XXXXXXXX  indicating the Department of Education needed additional time to verify my employer. I found this to be a bit perplexing since the XXXX XXXX XXXX ( my employer ) is responsible for reporting all student loan federal compliance reporting data to the department as well as fed loan. If they should know who anybody is, it's my employer. I have checked in every month since then, most recently on XX/XX/XXXX. There is still no update on the status of my request and now I am receiving emails from the department requesting that I prepare myself to reengage in payment cycles after XX/XX/XXXX. Please help me in resolving this so that I can receive my PSLF. I have diligently complied with the requirements over the last 10 years and feel this wait time is absolutely not right. Thank you very much!
Product: Debt collection

Beginning on XX/XX/2021 I have received daily calls from XXXX. After looking up this number on the internet it appears it is a phantom debt collection scam impersonating Transworld Systems. After the second or third call I picked up and when they explained what they were calling about I informed them they had the wrong person as I do not have any outstanding bills whatsoever. They said 'ok, we'll take care of it ' but the calls persist daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX on XXXX XXXX XXXX XXXX Account XXXX Has it XX/XX/XXXX reporting right was right but equifax the last payment is on the XX/XX/XXXX. I try to fix it the problem. SO n accordance with the Fair Credit Reporting act has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for 4 yrs now. Thank you
Product: Mortgage

I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.
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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

TD finance tried taking payment from an account number not submitted. Sent us to our bank twice stating it was my banks fault, then said I miss typed the information. This is the second loan with this company. Both loans have never been late, and paid before and after this happened in XXXX of XXXX from the same account. Tried paying the payment 3 times in XX/XX/2023 all returned because it was someone elses account they tried taking the funds from at another bank. They refused to fix it when On XX/XX/XXXX the payment from same account always used on both accounts went through. Their own recording said they had posting issues please bear with us. They refuse to fix the 30 day late on credit report.
Product: Debt collection

My son received XXXX twice with XXXX. The representative told me that it would be {$75.00} but the amount they are attempting to collect is much more.
Product: Student loan

My student loan was in forbearance yet Navient still gave me a late on my credit report. This has impacted my credit score very negatively. I am currently on XXXX and unemployed as a result of the global pandemic. I let Navient know and they wont remove late. I have given them documentation that i was in forbearance at the time of the late and also provided them XXXX information. They are rude and refuse to help. It is my understanding that Navient should not be collecting or penalizing borrowers until at least XX/XX/2021 yet they will not stop harassing me. This loan stresses me out and I XXXX XXXX over it. It elevates my XXXX  and makes me feel helpless. 
Thank you.
Product: Credit card or prepaid card

Capitol One Credit Card keeps hard checking my credit bureaus. 
They keep sending pre-approved offers. They keep denying to issue me a card. They used hard inquiry that lower my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXXXXXX {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. XXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXX XXXX XXXX  {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX ORIGINAL CREDITOR:XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.
Product: Mortgage

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/2024.
Product: Money transfer, virtual currency, or money service

Im here to express my concern regarding cashapps handling of disputes in recent light of the CFPB lawsuit. XX/XX/XXXX of 2022 I was scammed by a woman and requested my money back as she denies my request and denied my refund. I went to thorough with disputing as a scam and had to wait over a week to receive any news just for it to be denied. At the time they had no call centers or live chats to swiftly dispute such things as being scammed. They have failed millions of people and its entirely unacceptable. Federal law states you much have live agents. Ive only mentioned one of many disputes throughout the years with cashapp. The lack of accountability and transparency is unacceptable.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX . UCC 1-308
Product: Checking or savings account

I have been refunded by XXXX on XXXX transactions. # XXXX : {$18.00} # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX. 
XXXX has already opened a case and closed it because they confirmed the refund was returned on their end and completed I have the XXXX transaction ids they have provided : ID : XXXX ID : XXXX ID : XXXX ID : XXXX I have contacted pay fare from my XXXX XXXX XXXX  and have not gotten any help or they do not know how to look these transaction IDs up and my money is lost in the air since XX/XX/2022. 

Last representative I talked to on XXXX XXXX at XXXX XXXX even hanged up on me as I was asking for more phone numbers to reach the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX Reported : XX/XX/XXXX{$6500.00} There is no contract, no valid claim ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX  acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, CHAPTER XXXX BANKRUPTCY XXXX ref # XXXX.