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

CFPB Complaint against credit reporting agency Equifax This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the 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 of a credit card account opened at XXXX XXXX on XXXX XXXX Account Number ( XXXX ), a credit card opened at XXXX on XXXX XXXX Account Number ( XXXX ), An credit card account opened at XXXX XXXX  XXXX XXXX on XXXX XXXX account number ( XXXX ), a collection account opened at eastern account system on XXXX XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX on XX/XX/XXXX which also references the Federal Trade complaint on NC  Financial/Net  Credit Accounts. I sent XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX still refuses to remove the incorrect information. I have also tried to contact the company NC Financial/Net Credit several times and on the same days as XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.
Product: Money transfer, virtual currency, or money service

Company fraud complain from crypto.com I tried getting their help multiple times but didnt help me at all. I was fraud without me releasing and made a lot of mistakes that time and asking for help. And the check was fake and made me believe it was real money from their sugar coating saying its real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Mortgage

I have called customer service several times. I am trying to remove the PMI from my loan. I currently have 50 % equity and have asked several times for the process to remove my XXXXI payment. I am advised by PRMG customer service that the XXXX payment can not be removed. My understanding from the mortgage that when the loan to value reaches 78 % that I no longer have to pay XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my  employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and Equifax as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA standards.
Product: Checking or savings account

On XX/XX/XXXX I noticed there was a hold on funds I received from a check but it was separated in 3 different transactions. 
2 transactions of {$2000.00} and 1 of {$860.00}. 
I was at work at the time these took place and I didn't notice until I was unable to get an XXXX home from work since there was only about 40 cents left in my Bank of America checking account. 

I waited until the next day to call the bank because I thought it was just the check taking a little longer to go through but once I opened app, it showed that the 3 transactions were changed from funds on hold, to being a cash withdrawal at 2 different locations of Bank of America. 

I live in XXXX XXXX and the only banks I go to withdraw cash are the ones within 5 miles of me, these cash withdrawals happened in XXXX XXXX which is more than 100 miles from where I live and work. 

I called my bank and told them what happened, and the only thing they told me was to file a claim and a police report and that I will get an email or call for a follow up on the bank 's investigation, which I did. 

I heard nothing during the whole " investigation '' from the bank. The only thing they told me was it might take 60 days to resolve the case. Until today, XX/XX/XXXX I finally received an update through email stating that they won't honor my claim because debit card/ID and pin # was used for the transactions. 

I have always kept my ID and credit cards with me and have never misplaced it or lost it anywhere outside of my home which makes no sense how anybody could show up with any identification of mine, 100 miles away from where I live to withdraw so much cash at 2 different locations. And I'm sure there's security cameras that show who was the one taking money out of my account since all transactions happened with a teller at the bank. 

I don't believe the bank took any importance to either prevent or resolve the issue. I originally received a check of {$5000.00} as a personal loan and now because of this, I was left without money with an extra {$5000.00} I need to pay back because of Bank of America 's unwillingness to properly run an investigation as to what happened.
Product: Credit card or prepaid card

It is impossible to close my month to month membership with experian.com. when i call, the only options through the automated system are to report fraud or to request a credit report copy. When you search through the site on how to cancel, they direct you to the membership profile page but its a read only platform that doesnt allow you to cancel or reduce your coverage as they claim you can do.
Product: Debt collection

CREDENCE RESOURCE MANAGE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assignment of Debt Dear CREDENCE RESOURCE MANAGE, I am writing to formally dispute the debt referenced by account number XXXX I recently received communication regarding this debt, and I am requesting validation and assignment of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
To assist in my review of this debt, please provide the following information : 1. Verification of the Debt : The original amount of the debt, the current amount, and a detailed account of any interest, fees, or charges that have been added.

2. Assignment of Debt : Documentation evidencing that the debt has been legally assigned or sold to your company, including the date of the assignment and the terms of the assignment or sale.

3. Original Creditor Information : The name and address of the original creditor, as well as any account numbers associated with the debt when it was held by the original creditor.

4. Payment History : A detailed account of the payments made on the debt, including the dates and amounts of these payments.

5. Contract or Agreement : A copy of the original contract or agreement that created the debt, bearing my signature. 
I kindly request that you cease all collection activities, including phone calls and written communications, until you have provided me with the aforementioned documentation. Failure to provide this information within 30 days of receipt of this letter will result in my considering the debt invalid and may prompt further action on my part to dispute this debt with the relevant credit reporting agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Received the below text. I do not now nor ever have owed any money to this company or the company they represent. This is fraud. 




Check out TrueAccord 's XXXX XXXX XXXX XXXXXXXX. XXXX & data rates may apply. # of msgs vary. Email XXXX for help. Reply STOP to opt-out. 
This is TrueAccord, a debt collector. Visit our website XXXX XXXX XXXX  to view your options for your balance. Reply STOP to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a separation from my husband more than XXXX MONTHS AGO, I, XXXX XXXX XXXX, formally living at XXXX XXXX XXXX XXXX, XXXX, Alabama, XXXX, then found it necessary to find debt relief. I believed JG Wentworth to be a solid and legitimate company. That belief is completely shattered with the events of the last week. I am seeking the council of Oregon Attorney General XXXX XXXX, who is a dear friend of one of my friends, to file formal fraud in banking charges against JG Wentworth on my behalf. 

I was told by JG Wentworth associates and have a telephone recording and a text of one stating, that I had entered into a 16 month debt elimination program at {$490.00} per month with the last payment of {$9.00}. That {$9.00} payment was taken by JG Wentworth automatically from my XXXX XXXX account at the beginning of this XXXX. 

During the 16th month program I have faithfully paid these payments. However, when I recently called to receive exit paperwork, the representative stated that I owe " 3 more months '' beyond the 16 month period! He said that the 16 months " we're just an estimate '' and the last creditor required more money than expected. But that is not how the program works. I was told creditors are contacted at the beginning of the program to confirm what amount they will accept to cancel the debt, and then money is collected and paid out in those pre-determined amounts. Instead of honoring your promise of my being " debt-free in 16 months '', I am being hounded by their partner XXXX XXXX  XXXX who is again promising a " graduation from the JG Wentworth debt program '' if I secure a loan from them! This is the very definition of a scam, a " bait and switch. ". The goal post keeps moving! I was told that I needed to pay off one more creditor but just as I am writing this, I am told that an account that I was told was already settled is now due! 
. 
I am very upset and frustrated. Several times I checked and rechecked with their representatives about the nature of your program and I was repeatedly told I would be debt free in 16 months. I feel I should warn others on as many social network platforms as I can find because what they are doing to unsuspecting clients is financially dangerous and unethical!
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 receptive 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

Initially I thought this item was a result of unauthorized use because I knew I did not have a balance with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not.
Product: Credit card or prepaid card

My weekly benefits didnt go into my XXXX  card this is second time it states it was sent to direct deposit for wells Fargo first week of XXXX and the week of XX/XX/2020 2020
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against Southwest Credit Systems regarding their handling of a debt collection matter. 

On XX/XX/24, I contacted Southwest Credit Systems regarding a debt they claim I owe. During our conversation, the representative refused to provide any information about settling the debt and insisted that I must pay the requested settlement amount in full before disclosing any details about the debt itself. 

This approach is not only unfair but also violates consumer rights. As a consumer, I have the right to receive accurate and transparent information about any debt being pursued for collection. 

I urge your authority to investigate this matter and ensure that Southwest Credit Systems adheres to the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ), which mandates transparency and fairness in debt collection practices. 

Thank you for your attention to this complaint. I look forward to a resolution that upholds consumer rights and fair debt collection practices. 

Sincerely, XXXX XXXX
Product: Credit card

I called Wells Fargo to ask why I wasn't able to pay back my cash advance ( taken out on XX/XX/XXXXXXXX  ) in full after being charged interest ( first time on XX/XX/XXXX and was XXXX cents, second time was on XX/XX/XXXX and was {$1.00} ) on it. I was told that I had to pay my minimum credit card balance each month and the extra would go to the cash advance payment. I only borrowed {$45.00}, so I was confused on why none of it was paid since I paid {$150.00} in payments in the month of XXXX, and only {$0.00} was applied to what I owe. on XX/XX/XXXX I called Wells Fargo and asked about why I didn't have the option to pay my balance on my cash advance in full. I was told that the extra payments I made would go to the balance with the highest ARP percentage, however, both the credit card and cash advance have an ARP of XXXX. So Wells Fargo would apply my extra payments to my credit card balance, and pay basically XXXX to my cash advance, all the while charging me interest on something they won't give me the chance to pay back in full.
Product: Credit reporting, credit repair services, 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. 

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 

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 has reasonable cause to believe that the information is inaccurate. 

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Halsted Financial sent me a letter stating that I owe them money, and they offered a payment arrangement. I dont owe them any money. I dont know who they are, and they have not responded to my letter to validate this debt. I requested debt validation in writing and I was ignored. I do not want this debt to be placed on my credit report. It is not mine, I dont know what it is, and i do not want any false debt on my credit report!!
Product: Consumer Loan

My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the late posting of charges and credits. This issue align with the latest CBP findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices to be unfair and request an investigation into my account transactions.
Product: Debt collection

On XXXX/XXXX/2015 I paid {$590.00} to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past XXXX days. On XXXX XXXX I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of XXXX cents and that the payment in XXXX was posted after the due date there for I now had a balance of XXXX. So for a XXXX cent balance I have now accrued XXXX in late charges. 
The company never engaged in a live person contacting me to discuss the remaining balance, they just had a robo dialer call my house, and the benefit is they are able to keep accruing fees. They are reporting my account past due on my credit report and accruing fees for a XXXX balance. 
Since it was my error of not paying the XXXX I have paid the initial late charge of XXXX and the XXXX balance, however they state they wo n't waive the remaining late charges. If this was a balance owed of a substantial amount they would have been sure to have a live person on the phone, but because this is fee income they will allow the balance to build. This is unfair and abusive!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report through annual credit report back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report?
Product: Debt collection

My Ex Wife XXXX XXXX is in collections with Nationwide Credit Inc phone number XXXX has been calling me repeatedly at my home line and my work cell phone number looking for her. I have politely told them I have had no contact with XXXX who is my ex-wife of over 16 years. They keep contacting me on how to contact her over her debt which was incurred long after we were divorced and has nothing to do with me. I have also given them every point of contact I could think of so they would not keep calling me however they keep calling me regarding her. Once again this DEBT is not mine and has nothing to do with me.
Product: Debt collection

There is a 'collections ' open under my credit report with name AFNI and original creditor - XXXX XXXX for {$250.00}. 
I have no idea why is this amount pending under my name and what I need to do to get rid of it from my credit report. I never had this account and I do not owe XXXX anything.