23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an alert from my credit monitoring app on XX/XX/2023 that a new account was added to my report. This account was opened XX/XX/2023. I did not apply for this card, nor did I receive it. The address they gave for the fraudulent card is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I have never lived in XXXX XXXX.
Product: Debt collection

Back in XXXX 2014 my friend an I had an apt and we got out 2-3 months prior to the lease ending. We never got evicted or anything like that for missed payments. We were told to go to court were the files and charges were dropped. Therefore the claimed is not licensed to collect debt. Therefore this information is not correct or to my knowledge.
Product: Mortgage

I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Failure to Investigate in Violation of FCRA 605B and 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed account ( XXXX ) include : XXXX XXXXL Account # : XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experians systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including [ list supporting documents, e.g., police report, identity theft affidavit, account statements, previous dispute correspondence, etc. ]. 
DEMAND FOR RESOLUTION 1. Immediate Block : As required under FCRA 605B ( c ), the disputed information must be blocked from my credit report unless you can verify its accuracy within four business days.

2. Written Confirmation : Provide a written notice confirming the results of your investigation, as mandated by FCRA 611 ( a ) ( 6 ).

3. Evidence of Verification : If you believe the information is accurate, provide documentation from the furnisher proving its validity and compliance with FCRA 623 ( b ).

Failure to comply with these requirements will result in a formal complaint to the CFPB, as well as potential legal action for damages under FCRA 616 and 617. Also you removed this account from my credit file, why was it reinserted? Under FCRA 611 ( a ) ( 5 ) ( C ), you are prohibited from reinserting previously deleted information without certification of its accuracy and written notice to me within XXXX business days. Your failure to comply with this requirement violates federal law and subjects me to financial harm.
Product: Debt collection

Received call from "   XXXX   XXXX   '' claiming I owe a debt to some payday loan company. I do NOT. I owe ANY payday loans.
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They threatened to take " legal action '' if I did n't call. I did to listen to their lies -and they claimed a payday loan company named "   XXXX   XXXX   '' was their client.
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ALL completely fake and a complete scam. While they did have my 1st and last name and my last 4 digits of my SS # - they clearly bought this information and are attempting to strong arm me into paying a ransom. Illegal under Federal and State criminal laws.
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The BBB has them marked an F and a known scam in NY -- >   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    I demand they stop contacting me and purge all information they have in their system on me purged - immediately.  <P/>
This company must be shut down immediately to prevent further ID theft of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, TransUnion, and XXXX ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and XXXX at all! The only response I received from TransUnion was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by TransUnion, XXXX, and XXXX.
Product: Debt collection

I am submitting this complaint for the company PORTFOLIO RECOVERY ASSOCIATES located at address XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX knowingly reporting inaccurate data. XXXX XXXX credit report is negatively affected by these penalties, this looks SUSPICIOUS AND VERY DECEPTIVE. I Demand proof TO SEE VALID AUTHORIZATION and Proof of the Alleged debt of PORTFOLIO RECOVERY ASSOCIATES. Reporting without verification and proper disclosure requirements are in direct violation of the Consumer Rights FRCA Section 623, Section 611, and Section 605b of the FCRA. FTC 809, FTC 806, FTC 809, FTC 812 and 15 U.S.Code 6802. I XXXX XXXX legally requested a description of all the details of the verification process used for the validity of this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these Federal Regulations by the FTC U.S. C41, et esq I AM MAINTAINING A CAREFUL RECORD ALL COMMUNICATION WITH YOUR COMPANY.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. 

INQUIRY XXXX XXXX XXXX XX/XX/2023 INQUIRY -XXXX XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXX XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXXXX/XX/2023- appears twice on my report as an inquiry INQUIRY -XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXX XXXX XX/XX/2023 INQUIRY -XXXX XXXX XXXXXX/XX/2023 INQUIRY -XXXX XXXX XXXX XX/XX/2023 INQUIRY -XXXX XXXX XX/XX/2023 INQUIRY XXXX XXXX XXXX -XX/XX/2023
Product: Money transfer, virtual currency, or money service

someone took {$400.00} and {$490.00} off my cash app i tried to get them to refund me they told me what card it went to but wouldnt give me the name and i filed a police report and everything and they still wouldnt give my money back it happened on XX/XX/year> it was my XXXX money for my kids i have filed a complaint with cash app several time and they tried to tell me that i gave the person permission to do it which is XXXX.
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: Debt collection

I don't know who this collection agency is or where did they acquire my information, hence I can not provide the last four digits of the account number. I never received notification of debt or a validation of debt per 15 U.S.C. 1692 ( G ). After I noticed the defamatory and derogatory mark on XXXX XXXX credit report I tried contacting them by phone to request an authenticated record per UCC 9-210, with no success. They have reported invalidated account information to the three main credit bureaus : XXXX, XXXX, and XXXX, without my written consent, per 15 U.S. Code 1611. This has been carried for over three years on the credit reports, hindering my right as a consumer and causing me distress on my day to day life. Its created a hostile martial environment as these diffamatory marks hurt my credit reputation. It is for this reason I am requesting AARON AGENCY off my credit report and I am seeking compensation per 15 U.S. Code 1611 ( 3 ) of {$5000.00}
Product: Credit card or prepaid card

We booked a hotel room using our Capitol One Venture card Rewards points. When we checked out of the hotel, the hotel company charged us for the full amount of the room. We disputed the charge with Capitol One, however they refuse to refund the charge. I have been denied a refund several times so I asked Capitol One to restore my points back to my account if they werent going to refund the charge for the hotel, they have not done this either. I feel I am being taken advantage of as a credit consumer and feel it is my right to receive either a refund for being double charged, or my rewards points returned to my account.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

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

I received a letter XXXX  from equifax in regards to my request for re-investigation sent off on XX/XX/2022 to remove an account that does not belong to me. Equifax has violated my rights to providing accurate reporting and proof of this account as mine nor did they provide anything. Credit reporting laws ensure that bureaus report only 100 % accurate credit information FCRA 611 ( a ) ( 6 ) and ( 7 ) and 15 U.S.C. Sec.1681i ( a ) states if proof is not provided the account disputed must be deleted. Equifax did not provide no documentations ( with my signature, ID, Agreement and ECT ) or evidence at all. as seen in the attachment. there was no effort put forth in this re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

Nelnet or it sister company have not been truthful about my interest rate or ability to qualify for the public service loan program over the years when I was denied. They have also been devious in terms of switching my loan between their two companies in order to make repayment more difficult by changing the manner in which the funds are applied to the loans. 

When Nelnet sent me documentation, they admitted they have been charging me at a rate of 6.13 % instead of the actual rate which was 5.875. 

When my payments began I had already deferred my loans for approximately five years while working in a XXXX XXXX because I could not afford to pay them, and I was told I did not qualify for the program. Great Lakes accepted my loans when I was on XXXX XXXX XXXX in XXXX. At all times from the day I began paying Great Lakes until XX/XX/19 I was employed at either a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and/or by the United States XXXX. I was denied on several occasions the ability to qualify for the public service loan forgiveness program.
Product: Money transfer, virtual currency, or money service

Xoom ( XXXX ) On the XXXX of XXXX I sent XXXX dollars to my sterling account and was told a time of XXXX the next day for funds to be delivered. 4 days later I emailed checking on these funds as they had not hit and saw the notice of the system upgrade but was emailed saying they had an issue with their partner. It has now been a week and I have no heard back. 

I tried calling both their XXXX and US helplines and both hung up on me with a pre recorded voice saying there were no operators available to take my call and try again later. 

I am seeing hundreds of people affected they have taken money from my account and have now cost me double in funds because I've had ti make up for delay fees.
Product: Debt collection

I reviewed collection on my credit report from TSC Account Receivable that I owed XXXX XXXX XXXX XXXX  from a stay back in XXXX. I made 3 payments to TSC before I knew I had a right to ask for verification that the debt was indeed correct since I had health insurance which should have covered my stay at Cornerstone. TSC did send me a bill from XXXX. I thought the bill was legitimate until I contacted the billing department of XXXX ( the medical facility ) and they did not have me in the system as a patient with a balance owed. I then tried to get the debt removed because there is no records of money owed from the actual medical facility. TSC informed me that because I already made 3 payments and have kept in contact they were going to pursue the debt no matter if it is incorrect.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$270.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX  XXXX-Jun. XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Already reported identity theft this was an item on my credit report these businesses need to be more careful with opening fraudulent accounts
Product: Debt collection

On XX/XX/scrub>/24 I received seven phone calls from a XXXX XXXX ID number. The calls came in at XXXX, XXXX, four calls at XXXX, XXXX. In addition to the calls, he left 2 voicemails containing background noise and a conversation with an unknown person. He sounded highly intoxicated. Following the seventh call at XXXX I immediately received a text from an identified XXXX ( XXXX XXXX, Florida ) stating : pick up bald XXXX. At XXXX, I received another call but because he had texted me from that number, the caller ID was revealed this time. He then texted again from the same number stating : I said pick up. I then called the identified number that texted me and indicated that I received missed calls from this number. The man on the other end responded no you didnt, youre full of XXXX, XXXX. He proceeded to call me a XXXX several times and then hung up. I then received ANOTHER text from the same number that said sorry XXXX. I responded to indicate I was reporting him to CFPB and to cease all communications with my number except in writing. He then texted at XXXX and stated XXXX you, I have you and your petty family on camera trying to bait me. He followed that with a text that said dont do it again is what Im saying, XXXX and we will see how much far that video of your XXXX kid gets XXXX  Dutch XXXX. 
Based on this number being registered in XXXX XXXX Florida and a previous collection call on XX/XX/year>24 from a number associated with XXXX XXXX in XXXX XXXX, Florida, I believe this may have been harassment on the part of one of their collectors. 
I am concerned particularly because the last texted threatened my family, and that he has personally identifiable information about me and my location.
Product: Credit card

I opened an account with Chase back in XX/XX/XXXX. The account slipped into collections over eight years ago, in XX/XX/XXXX. Despite the account being in collections for more than 7 years, Chase continues to report this debt on my credit report. They purposely keep changing the date of last activity on this account to continue reporting it on my credit report.
Product: Mortgage

This is my 3rd time putting in this information!... 
My son is a XXXX yr.old, XXXX ( learning XXXX XXXX from a child til present, I'm his representative ) he's been full time employed since XXXX placed him there out of XXXX an assistant manager in produce. This is his XXXX home ( FHA ) after COVID forbearance he was offered and received a loan modification agreement. He was told to pay XXXX, beginning XX/XX/XXXX until..from the start things got messier and messier XXXX Now the servicer wasn't XXXX, it was XXXX. and they did everything in their power to interfere with the loan modification payments, not even acknowledging the agreement and in XXXX sent us a letter stating that they would no longer accept " PARTIAL PAYMENTS " But we continued to send the payments on time, the servicer now changed again to XXXX XXXX... now it's important to make clear that the trial period on the modification was never mentioned, nothing! and after 3 more on time payments, XXXX began to have questions about these payments and in conversation, told me they didn't see anything about a loan modification agreement... ridiculous..we took clear pictures and sent them to management at XXXX XXXX, and this is when things go from stressful to awful, I told her I needed to make this present payment because it was the 1st, and this woman says " DO NOT MAKE ANY MORE PAYMENTS UNTIL WE CHECK ALL DOCUMENTS DUE TO THE SERVICER CHANGE WITH XXXX ''. the next letter stated we were in default and they were no longer our servicer. Now is when I realized they were deceiving my son, and they just needed an interruption of payments ... A month later we receive a letter stating from XXXX telling XXXX he had been a victim of identity theft from XX/XX/XXXX - XX/XX/XXXX and how sorry they were, WHAT? the exact dates when the loan modification agreement began? 
and when I looked for documents I'd sent and my son had saved were GONE! but I have other correspondence, and I know that not once did XXXX send any receipts, nothing, no monthly updates! ever... and when they started foreclosure... Well what do u know... The loan modification agreement was important now, for the courthouse! they even gave my son some paperwork, came right to the Front Door! Just last week a lawyer sent a letter '' wanting to help him keep his home '' ( by short sale or file for bankruptcy )! It stated the papers were filed XX/XX/XXXX and he wanted to help with the hearing.. that date? XXXX his letter was dated XX/XX/XXXX it came in the mail XX/XX/XXXX ... Can U believe that! Now it looks like he didn't even care enough to show up for the hearing! Well I have news for these people My son wants a home and not to be deceived like any other hardworking American... I'm disgusted and deeply saddened and disappointed that this is happening to us, he brought me, his mother, and his sister who is XXXX with XXXX XXXX to live with him on XX/XX/XXXX and this ist right, it's flagrant disrespect to treat people like they're to poor or XXXX to fight this... I hope this wasn't a waste of time and U stand up for us.. GOD BLESS!!!