23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Letter dated XX/XX/18 indicated that I owe a total of {$430.00}. I do not know how I owe this amount to XXXX XXXX, as they charged my insurance already.
Product: Student loan

I made an extra payment online through Navient Corporation online bill pay for the amount of {$10000.00} for which I had designated all to go to the principal. Instead Navient Corporation took the majority of my payment ( {$8200.00} ) and rerouted it to my accrued interest. The remaining amount ( {$1700.00} ) was applied to my principal. I contacted Navient about this issue shortly after XX/XX/2014, I was told the online bill pay system allocates the distribution of payment, regardless of how the payor designates payment. Therefore it was projected to me as if this was final and I could not redistribute may payment as it was already processed. This was very frustrating and made me feel at loss. I was living on a limited income with a very large loan amount. My total student loan amount is currently {$210000.00} with an interest rate of 6.8 %. My credit score has taken a hit because I had difficulty making some payments after I had paid such a large amount in hopes of reducing my monthly payments but to no avail my monthly payments continued rise. These practices make it impossible to payoff loans, it makes well intentioned individuals lose hope in paying their loans off.
Product: Credit reporting or other personal consumer reports

I received my Experian report report and my name is misspelled on the report several times. Please remove
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, XXXX report, and Experian report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and experian reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Product: Credit card or prepaid card

On XX/XX/2018 my billing period ended for my Citi Double Cash Card. I had Cash Rewards accrued in the amount of {$63.00} which I redeemed for a Rewards check to be sent to my mailing address. However, I did not receive the check and approximately 3 weeks later, called the company to resolve the issue. They said I would instead receive a direct deposit against my credit card in the amount in question. However, a week later I received a letter stating that they are unable to stop payment on a check and reapply the credit on my account, and that a rewards check would be sent to my mailing address. I again called the company, and they stated a direct deposit would be coming. However, I again received the same exact letter, and am frustrated by the experience.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with the repeated mistakes on my report. These errors are having a real impact on my life, limiting my options, and making it harder for me to move forward. I shouldnt have to beg for something as basic as accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on XXXX, 3 inquiries on XXXX  and 4 on Transunion. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from XXXX  on XXXX with my full XXXX  report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form XXXX  and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from TransUnion. 

On XXXX I checked my credit report and saw XXXX removed 16 of the 19 fraudulent accounts, XXXX  removed 12 of the 25 fraudulent accounts, and TransUnion only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my TransUnion and XXXX. XXXX  removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding the status being reported to the credit reporting agencies by Flagship. I provided proof that the loan is paid off and the balance is XXXX  but flagship refuses to correct their reporting error.
Product: Debt collection

Grant & Webner did a reporting on my credit report without properly giving me notification of the alleged debt. The address they have on file is not my address I never received such notifications from them whatsoever. I didn't know about this alleged debt until I pulled my credit report and seen their reporting. I dispute the validity of the this debt. I paid all services they were provided to me directly with the doctor. I did not have insurance at the time, and I was a cash patient. I had to pay everything up front before any procedures were done. I contacted the doctor and they in fact said I did not have any outstanding bill. They provided me with a statement dated XX/XX/XXXX where it shows I do not owe anything. I have a XXXX balance. See attached copy of the statement. Also, the charge they have as outstanding on XX/XX/XXXX was paid that same day. See enclosed credit card statement where it shows I paid {$500.00} the same day of my procedure. This reporting is affecting my credit score and I am requesting the immediate removal of this fraudulent reporting as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe i am a victim of identity thief. In XXXX I had my identity stolen through Equifax data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 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
Product: Checking or savings account

wells fargo is telling me and having me sign for one document but i can not see what that document is and when i ask they say we told you what the document is. in fact wells fargo employee are having me sign documents for South Carolina XXXXXX/XX/XXXX. Kinda like the XXXX XXXX situation. I am in full control of my day to day business. Every month my documents mailing address change and I think that is to have a member of the people who are trying to put me under XX/XX/XXXX in the bank with me to say that I need help. I went to XXXX XXXX, XXXX sc to have my taxes done and they seen I was singleXX/XX/XXXXXXXX, and they cashed out my retirement, series ee bonds, CDs and stole money and sold my house. They are trying to make me say i sold my house so they can now fraud SS. There police involved XXXX of XXXX and XXXX XXXX. I have never ever been under any doctors care for nothing. I will not go along with fraud. i am being threatened and not allowed an attorney of my choosing. Congressman XXXX XXXX brothers threatened me I was detained with out cause
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records . 

Despite multiple requests made by me, XXXX XXXX, Transunion Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law. 

I hereby issue this final demand for Transunion Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Transunion Credit Bureau for blatant violation of my consumer rights and the UCC law. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within 10 Days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX. was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options. 

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute the reporting of alleged debts by Navy Federal Credit Union to the national credit reporting agencies ( XXXX, XXXX, and XXXX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I noticed that Navy Federal Credit Union reported debts in the amounts of {$8700.00} and {$7300.00}. These amounts were inaccurately classified as debts when, in fact, they have been filed on my income tax return following the guidelines of IRS XXXX XXXX. According to the IRS, a XXXX form represents canceled debt which is treated as income, not a debt obligation by the debtor.

Under the FCRA, I am entitled to dispute any inaccurate or incomplete information in my credit report. The FCRA ( 15 U.S.C. 1681s-2 ) obligates furnishers of information to credit reporting agencies to provide accurate information. Reporting income as debt violates this obligation. 

Additionally, the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Misrepresenting income as a debt obligation is misleading and can be considered a violation of the FDCPA ( 15 U.S.C. 1692e, 1692f ).

To this end, I have previously submitted proof that the amounts reported are indeed income, as per the IRS 1099-C guidelines, and not debts. Despite this, the erroneous reporting remains unchanged, which has adversely affected my credit standing and may constitute defamation of my financial reputation.

I hereby request that Navy Federal Credit Union : Immediately conduct a thorough investigation into this matter.

Remove the erroneous entries from my credit report with all three credit reporting agencies.

Provide me with written confirmation of the removal and any corrective action taken.

Ensure that such inaccurate reporting does not recur in the future.

Please find attached copies of the relevant documents, including the IRS guidelines regarding Form XXXX and proof of the filed income, to support my dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Acccounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$27000.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$5000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$430.00}, XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} . Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report with XXXX, transunion, XXXX  the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL INFORMATION
Product: Debt collection

The situation is as follows : In XXXX 2015 I started a summer internship in XXXX. I looked for a gym in the vicinity of my organization and since XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX ; Phone : ( XXXX ) XXXX ) ( Club ) were in the same building, I want to see if they have any good deals. They informed me that they have a special offer, which entails to try this gym for free for a month. Then if I chose to I can renew the membership, or terminate it any time. 
I knew that my internship is temporary, and I wo n't be in this location more than a month ( and I live in XXXX ), so I specifically asked several times if I would be able to terminate this any time, and the person, Per XXXX, who was signing me up clearly said that this is a month to month deal and I can get out any time. I was asked to do an electronic signature. I asked if there is a contract and they guy from the gym said that there is no contract. Per XXXX said that the signature is just so that I can get my pass to try the gym. He asked me to enter credit card info as a standard practice ( also as a requirement to do this free month ). I never signed any contracts and was never shown one. All I did in XXXX 2015 was my electronic signature on a machine to state that I agreed to one month free membership to try this facility. You can check their documentation - you will not see my signature in ink, because I never intended to be in this location for more they a month or XXXX. 
After a week my internship moved to another location in XXXX and later to XXXX, so I never tried this gym. I did not attend it even once. XX/XX/2015 I contacted the gym, explaining that since the trial period was over and I was not interested in continuing and if there was any paperwork I needed to do to properly exit the Club. It is only then I found out that they signed me up for a year membership. I attempted to explain the situation to them, saying that I only signed up for the trial because they told me that there are no obligations and my member ship can be terminated any time, but they told me about the contract that I never signed, which they consider to be signed by me because apparently my electronic signature was transferred there. 
In short, the only reason why I ended up in this situation is because the representative, Per XXXX, who welcomed me to the gym told me false information and used my signature on a document I never signed. 
Now they put me or collection through the collection company XXXX XXXX , XXXX. 
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX On behalf of XXXX. , United Consumers , Inc. requested I to pay them {$1200.00} as annual membership fee even though I never used this XXXX. 

Thanks, XXXX 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 proces 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.