23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started getting calls about 3 weeks ago and since I was ignoring them they decided to start calling my family members. Very crude messages are being left stating that I owe money for a loan that I took out with a company called XXXX. The original loan amount was {$1200.00} however I now owe {$300.00} because I paid the rest. 

When I spoke to the lady XXXX I advised her that she had the wrong person and she told me that she did not that she had spoken to me before and I was disputing the remainder of the loan. I told her that she never spoke to me however she called me a liar and stated that she will just put down that I am disputing the loan, she then hung up on me. 

After hanging up on me, she called my XXXX aunt and started telling her that I 'm going to jail and that she should either pay the bill for me or talk me into paying it. I told her to not answer those calls and do n't give them any money that I did n't owe this mysterious debt and I was n't paying it. I just got a call from my mother stating the exact same thing that my aunt said. I do n't owe this debt and I want them to stop calling me.
Product: Debt collection

I have disputed this collection account from XXXX XXXX XXXX, XXXX on credit karma for the last 2 years. I've never had any association with XXXX XXXX XXXX. My phone line has been with XXXX XXXX XXXX for the past 5 years. I am led to believe that this IS fraud. I disputed with XXXX XXXX and noted that the balance is not mine and they need to remove it but to date they have not.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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

Identity theft collections accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, EX and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Product: Debt collection

GOLD KEY CREDIT INCXXXX XXXX XXXX, FL XXXXToll-Free XXXXLocal XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GOLD KEY CREDIT INC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

In XXXX, I turned in my BMW XXXX months early to upgrade to new lease. XXXX XXXX, the XXXX, from BMW XXXX XXXX, offered to pay my last XXXX months XXXX and new lease would start in XXXX. We signed the deal. 

Approx around XXXX I started to receive collection calls stating I owed {$380.00} from BMW Financial XXXX They never fully explained what the {$380.00} was for. I explained that Manager, XXXX XXXX BMW XXXX XXXX paid XXXX months of my lease so I could upgrade and start new lease. I began to contact both XXXX ( my salesmen ) and XXXX XXXX and BMW XXXX XXXX. They submitted proof to BMW Financial that this was paid. I continued to receive calls and I continued to refer them back to XXXX and send them his correspondence with me. Finally, the calls stopped. In XX/XX/XXXX, I received a call and explained to the man on the phone and I said I can send proof. He said it wasn't necessary and that I should just pay it. That it would be easier to pay it. I said no, I do not owe you that money. In later XX/XX/XXXX, BMW financial reported this amount to my credit and marks it as late every month. I did a dispute in the XXXX app and send all the information again from XXXX XXXX XXXX and correspondence and they denied my claim. This whole thing doesn't seem legal and is shocking that BMW would treat an 8 year loyal customer with impeccable lease payment history like this. They also never fully explained the {$380.00} amount, my lease payments were much higher than this. This should've been handled between BMW financial and BMW XXXX XXXX. 

Here is a copy of XXXX of XXXX XXXX 's messages to me Like I mentioned in yesterday email, we made XXXX payments from XXXX to XXXX on your behalf and since your lease ends in XXXX, XXXX does not require you to make the XXXX payment. You need to find out what payment BMWFS is asking for. 

Hoping for immediate resolution and my credit to be mended ASAP.
Product: Credit reporting or other personal consumer reports

These accounts are charged off. Since these accounts been updated as charged off every month.this is an update in the payment history.a charged off account should not include an active payment history.this inaccurate information falsely manipulates the statue of limitations.you failed to investigate these accounts properly after ive asked 3 times and your neglect has violated my federally protected rights.i am demanding that you delete all of the following accounts ( XXXX XXXX ) account # XXXX ( XXXX XXXX ) account # XXXX ( XXXX XXXX XXXX XXXX ) account # XXXX ( XXXX XXXX ) account # XXXX ( XXXX XXXX ) account # XXXX
Product: Debt collection

These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00}.
Product: Checking or savings account

Closed account with usaa bank and bank refuses to completely close my account and remove personal information
Product: Debt collection

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that I have a debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shortly after that, I received another letter stating that I must appear in court discussing this debt on XX/XX/XXXX. After I found out about this, I asked where I should go to report that I had not opened any account and had no debts. 

I went to the police and requested a police report to confirm this transaction and credit as fraud. After that I called the bank to report that it was fraud since that I had not taken any loans. I also requested information regarding the loan and they responded with an address that belongs to my ex-husband, as well as the residential address of his parents. and that the loan was sold on XX/XX/XXXX to creditor LVNV FUNDING LLC. 
At the time of the creation of the loan I was living at a different address.
Product: Credit card or prepaid card

BankAmericard Travel Rewards Visa Signature  card - False advertising, bait and switch rewards program In early  XXXX  of  2017   , before my oversea trip I called Bank Of America about this card 's rewards redemption program. The program specifies that the reward points can be redeemed as statement credit to offset the travel expenses charged to this card, so i asked the BOA agent ( on the phone ) what type of travel expense would be qualified and I was told, " any type of travel expense qualifies. '' Therefore, I advised him that I would be traveling overseas from  XXXX   XXXX  -  XXXX   XXXX  of this year and would be using this credit card there. While I was traveling overseas I purchased airline tickets using this credit card on   XXXX   ( an travel agency ) for about {$450.00}. After I came back from my vacation, on  XXXX   XXXX , I called BOA to redeem my reward points to offset this travel expense, but the agent told me he had trouble redeeming my points against my travel expense because there was some sort of coding error in my  XXXX  charge. He advised me to go ahead and pay off my travel expense first and then he will correct the posting code and redeem my reward points as statement credit later for me. But one week later I still do n't see the statement credit so I called BOA again on  XXXX   XXXX , and at first the agent said that I should be able to redeem my points against any travel expense but when she realized that the charge had coding error, she said she could n't do anything about it, that I had to contact the merchant ( mind you, in foreign country ) to correct the coding. I asked to speak to her supervisor and she said " it does n't matter, supervisor would n't be able to help in this case anyway. '' I ca n't believe her response! I feel so betrayed by BOA, because before the trip I specifically asked them what type of travel expense is eligible and was told " any and all travel expense are eligible. '' And because of this response I decided to take this credit card on my trip and not any other brands of credit cards. I could have brought and used my  XXXX   XXXX  or  XXXX  or  XXXX  card for that purchase if BOA did n't lie to me!! For a financial service company of this size to be so irresponsible or so incompetent with their business practice, I 'm beyond disbelief and disappointed. I feel hurt and deeply betrayed for believing and trusting this company in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never Lived at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  and I keep telling the credit reporting agencies that yet they continue to say it's been verified but that's impossible because I never lived there I don't know anyone who lives there and they claim they don't have to show us how it was validated so what else can I do? Can I sue them for all this false information they'er reporting because there is absolutely no proof of me living there because I never did. Also all those treasury items should not be listed because first of all there from my employer paying my medical coverage while I was out of work for XXXX and once I returned they released me so I resigned. Now how can they expect me to pay anything when their the ones who also handling my pesion which took them forever because they retaliated against me because I needed time off.
Product: Credit reporting or other personal consumer reports

According to FCRA this creditor has violated my rights.

Under 15U.S. Code 1681 section 602 states I have the right to privacy.

15 U.S. code 1681 section 604a section 2. states that a consumer reporting agency can't provide an account without the consumer 's written instructions Under 15U.S.code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

CBNA ACCOUNT # XXXX For over two years, I have been disputing CBNA to have this account removed from my credit report. I formally challenged the accuracy of the information reported by XXXX, XXXX, and XXXXprivate companies that collect and sell datadue to the inaccuracies present. I am frustrated by my repeated attempts to have this information removed, only to be ignored by the company. This situation has negatively impacted my credit, preventing me from applying for loans and lines of credit, resulting in higher interest rates and denial of credit access. 

I AM protected by law and CBNA IS BREAKING THE LAW 15 U.S. Code 1666b 15 U.S. Code 1681e
Product: Credit reporting or other personal consumer reports

I was told that I needed updated FTC Affidavit in which I optioned today and is submitting through CFPB because of issues with uploading documentation on consumer reporting agencies website.
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 Customer 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause major inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted to borrow against my car title for a loan and the payment is way over my income so I cant pay them back. They are planning to repossess my vehicle and I dont know what to do.
Product: Debt collection

Since  XXXX    XXXX   I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But  GO FINANCIAL  is reporting debt on my credit reports making it hard for me to make big purchases.
Product: Student loan

I have tried called MOHELA multiple times to figure out when they will process my IDR- SAVE Plan application that I submitted on XX/XX/2023. It is now XX/XX/XXXX and my application still says processing. My first payment is due XX/XX/2023 and I need my payment drastically reduced. I have attempted multiple calls to MOHELA customer service, waiting over 2 hours to speak with a representative each time and have not been able to get a hold of anyone to answer my question. I did everything on my end to reduce my payments for my PSLF so I could make my payments on time and now I am going to be behind on payments and my loan forgiveness because MOHELA cant get their act together.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX : {$2.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$300.00} No. of Months ( terms ) : - High Credit : {$300.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements!! 
Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I submitted a promissory note/application ( s ) and received no fair exchange. As Holder in Due Course of the note I have a right to the line of credit requested. Onemain Financial Holding is illegally trading and selling my security ( s ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable but also 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: Money transfer, virtual currency, or money service

On XXXX XXXX I received and email about a fraudulent transaction, in the amount of {$730.00} ( email attached ), on my PayPal account. I reset my password. On XX/XX/XXXX, the password was reset again, not by me. 4 other fraudulent transactions were made ( attached ). At this point I realized my account was compromised. The bank card that was used to compromise was no longer in use. So, I decided to close the account. I called, but was not able to talk to anyone on the customer service line because of " extended service times '' ( I did not hang up the phone, I was hung up on by the automated service ). The  password to my account was again changed by someone else. I'm not sure if PayPal was compromised? Apparently you can reset your password a million times a day without raising any red flags- horrible security. That day I logged in and turned on 2 Factor Authentication in an attempt to secure my account. The 2FA is not working, so I am now locked out of my account. Yesterday XX/XX/XXXX and today XX/XX/XXXX, I again called PayPal. Both times I was eventually hung up on after their extensive automated service. I can not get assistance without logging into my account, and there is no way to log into my account! I just want to close my PayPal account permanently, but they will not allow me to do so. I already had to close one bank account and freeze the card on another bank account because of their shoddy security practices and lack of customer service. Please help before any more damage is done by this negligent and unregulated company!
Product: Checking or savings account

i received a refund from the irs for XXXX its not fraud or nothing like that. i have all my paperwork from the irs and everything is correct. chime is holing my money and will not send me my remanding balance. they asked for paperwork and i sent them everything i possibly had to offer. can you all please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian regarding an account listed that is not mine. The company involved was XXXX XXXX XXXX which my account has been paid and closed since XXXX. XX/XX/XXXX is the date of my last dispute when XXXX XXXX reported the account as mine that account started with XXXX. Spoke to someone at first electronic today and she confirmed the account is not mine but belongs to another person whose middle initial is L and lives in a city I have never lived in. The person also stated my paid in full letter was sent to my XXXX address. Please remove from my report asap
Product: Credit reporting or other personal consumer reports

Experian credit bureau refuses to remove an incorrect address from my credit report.