23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX firm on XX/XX/2019 at XXXX am and after giving my name address and case information I was transferred to Representative XXXX XXXX XXXX direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from XXXX plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a XXXX. I was transferred to XXXX XXXX XXXX XXXX XXXX direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX firm. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called ADP and asked why the debt was not paid. I was told they could not release the funds to XXXX law firm until they received a " XXXX to XXXX Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage XXXX XXXX '' form. I called XXXX XXXX and informed him of the information I received from ADP. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.
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 practice, 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 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: Checking or savings account

I called to close my account because I was not happy with Citi 's archaic online services. I discovered, via the post office, that Citi sent tax documents to an old address on my account that I closed, which made me furious as I had my updated address in that account for months. Now that my account is closed, it appears that Citi may have sent a check with the balance to the old address, not the current address on the account when I closed it. 

Since my online access has been canceled once I cancelled my account, I can't go online to retrieve my tax documents.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$180.00} by someone posing as XXXX they said my electricity would be turned off that day I was scheduled for disconnection they would not take a check they would not take a credit card they said it had to be a bank transfer they said that there was a glitch in the system even though I use the website to pay my XXXX and XXXX bill they had to review the bill to find out if it was paid once they reviewed the billing they would refund my {$180.00} as soon as I transfer the money I realized it was a scam I called the bank but they could not stop the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate information This letter is to address the following credit bureaus, XXXX, XXXX and Experian. 

Per FCRA section 623 A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 


By the provisions of the FCRA and the 15 U.S Code 1681 I am demanding that the inaccurate information such as my address and inaccurate names be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; T XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX BANK XXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX OF XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX FINANCIA XX/XX/2021 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a call from southwest credit system asking me to pay a debt owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. What I owed XXXX XXXX XXXX was paid in full on or about XXXX 2015. I have my bank statements to prove this. I have been getting calls from southwest credit systems in the morning, afternoon, evenings, midnights, and early mornings. After I told them not to call me because I do not owe XXXX XXXX XXXX, they still harass, threating me, insult me and keep calling from different numbers. They call from XXXX and XXXX. They even call me and ask for my name and when I respond and say this is he, they hang up. This has been causing me emotional pain and traumatizing me to the point that I want to hurt myself. The fact that I took the right step to pay my bill and stay current on my finances to include monitoring my credit on credit karma, this even is taunting me to the point that I can not handle it anymore. Please have the company stop calling and if they can prove, in conjunction with XXXX XXXX XXXX, they need to show proof that I owe them and I am also willing to show my proof that I paid in full from my bank statements.
Product: Credit card or prepaid card

I filed a complaint against Wells Fargo because I was told on numerous occasions that when a payment is made on my credit card and I am currently under a promotion ( 0 % for 18 months ) that the minimum payment goes towards fees, interest and higher rate portion of account first. Makes sense. what they failed to mention is because I was due for {$110.00} minimum payment and I made a {$5000.00} payment that the difference would be applied to lower interest first. reason? they explained that I should have made minimum payment of {$140.00} first. Then cut another check for {$4800.00} and then the monies would have been distributed differently. they also informed me that the agent who took the payment on XXXX XXXX should have explained this. the section under terms and conditions for their credit card is below ( WELLS FARGO Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. ) They failed to mention that payments made in excess means writing another check separate from minimum payment. Had I been made aware that I should have just made the minimum first this would have saved me a lot of unnecessary interest. I have expressed my concern with several people who have similar promotions and they were not aware that making an enormous payment that covers the minimum payment is not the same. They were not aware that 2 payments are necessary. This is outrageous and I am going to pursue this matter.
Product: Debt collection

I have written to the company a total of 2 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they  have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. 

They have no documentation with my physical signature on it. They have address incorrect and dated wrong since I was currently living in a different apartment at the time of said debt. They have not shown any form of validation and a debt that is n't mine. If they continue to report said debt on my credit report without validation with my physical signature on said consumer agreement, I will be forced to pursue litigation and seek monetize damages under FCRA section 616 & section 617!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have identified outdated or incorrect information related to these accounts, and I am eager to ensure that my report accurately reflects my current financial situation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XX/XX/year> Portfolio Recovery Associates To whom this may concern, I have recently pulled my credit report and noticed that there is a collection from your agency. I have never been notified of this collection action or that I owed debt. This letter is to inform you that I have a right to request validation of this debt and your ability to collect this money from me without having the original written agreement with my signature provided. You have only provided statements nothing further. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach the following documents : - Agreement that you have authority to collect on this alleged debt. 
- Agreement that bears signature of this alleged debtor with promises to pay the original creditor. 
- complete payment history on this account, to prove the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me without my knowledge or consent, resulting in significant distress and concern. Regrettably, I have fallen victim to XXXX XXXX and have taken immediate steps by reporting the incident. It is imperative to swiftly address this issue as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

JPMCB CARD SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX, NATIONWD REC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, NATIONWD REC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card

My Claim : Credit Card Account that has been settled. 
Previously I opened a Consumer Complaint XXXX disputing XXXX XXXX XXXX Credit Card billing. As it turned out, XXXX stated I agreed to on-line bill statement presentment. I dispute that claim. I did not ask for on-line statement presentment and I did not confirm a change to my account for on-line statements. See this summary below which is posted in Complaint XXXX : The XXXX response of XXXX XXXX, XXXX makes the claim that I enrolled in electronic statements on XXXX XXXX, XXXX and this was why I did not receive any paper statements for the XXXX item, a printer costing {$100.00}, that was purchased on XXXX XXXX, XXXX. Following the purchase in XXXX XXXX, there were 7 months of electronic statements ( XXXX thru XXXX ) in which XXXX charged my account for late payment fees and interest running up the account to a total {$370.00}, roughly {$270.00} of fees and interest. There were no other purchases during this time. This XXXX XXXX account was opened in XXXX and the email address that XXXX references sending electronic statements has not been active. The XXXX information was not up to date because I had no intention of using electronic statements and was never asked to update the information. All of my credit card accounts are set for paper statements. I dispute enrolling in electronic statements for the XXXX XXXX card. Typically if there is a change to an account, there would be a " confirmation '' email saying that there was an account change and asking for my confirmation that I wanted electronic statements. I deny that I received any notice of the change to electronic statements to my account and I deny confirming that I wanted such a change to my account. I am willing to pay for the printer, but I deny the late payment fees and interest charged for 7 months with absolutely no written notification of past due payment. 
On XXXX XXXX, XXXX, I sent the attached letter to XXXX XXXX, XXXX, XXXX XXXX XXXX and D & A Services. I included a check for {$100.00} for the printer in the letter to D & A Services. I have had no response from D & A Services. I am out of town until late XXXX XXXX. 
XXXX Since I have had no response from D & A Services to my letter of XXXX XXXX, XXXX, I believe that they accepted my check for the amount of the printer. They have not returned my check stating otherwise. It has been more than 90 days without a response from D & A Services. 
XXXX Now I have received a letter from XXXX XXXX XXXX claiming that they have bought my account from XXXX XXXX XXXX. However on XXXX XXXX D & A Services sent a letter claiming that they had bought my account from XXXX XXXX XXXX. So XXXX XXXX XXXX has sold my account twice once to D & S Services and once to XXXX XXXX XXXX. I dispute the selling of my account to XXXX different debt collectors. I believe D & A Services has accepted my check for the resolution of the disputed amount because they have not responded within 90 days. I am sending a copy of this complaint to the following entities via certified mail. XXXX XXXX Credit Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , D & A Services and XXXX XXXX XXXX.
Product: Credit card or prepaid card

My identity was stolen and two credit cards and a security system was placed in my name.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report ( Identity Theft ) Dear Credit Bureau Dispute Department, I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate. These inquiries were made without my consent and are a direct result of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 604, hard inquiries require my explicit authorization. Since I never gave permission for these inquiries, I am formally requesting their immediate removal from my credit report. 

Unauthorized Hard Inquiries ( To Be Removed ) The following inquiries are fraudulent and should be deleted from my credit file : Creditor Name. Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations & My Rights FCRA 604 A hard inquiry requires my explicit authorization. 
FCRA 609 I have the right to request verification of my signed authorization. 
FCRA 611 I have the right to dispute and remove inaccurate or unauthorized credit report information. 

Since I never applied for credit with these companies, I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit file. 
2. Written confirmation that these inquiries have been removed. 
3. A copy of the documentation proving that I authorized these inquiries. If no proof is available, the inquiries must be deleted. 

If the credit bureau fails to investigate and remove these unauthorized inquiries, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with FCRA regulations. 

Supporting Documentation Included : 1. FTC Identity Theft Report ( Report Number : XXXX ) 2. Proof of identity ( Drivers License, Social Security Card, and Proof of Address )
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to address a matter of concern regarding the reporting of an account on my credit profile with Capital One. My name is XXXX XXXX, and I have identified discrepancies related to a paid collection/charge-off that remains unresolved despite my numerous attempts to initiate the validation process. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, and I have taken the necessary steps to exercise this right. I have made several attempts through credit bureaus and collection agencies to validate the mentioned account, yet I have not received any response to date. 

Upon reviewing my credit report, it has become apparent that reasonable procedures were not conducted in the validation of this account. I have reason to believe that there are current violations related to the reporting of this account, and there are unverified accounts that warrant further investigation. 

I am reaching out to request Capital One 's prompt attention to this matter. I kindly ask for a comprehensive investigation into the validation of the specified account and the associated reporting. It is essential to rectify any inaccuracies promptly, as the discrepancies in my credit report may have an adverse impact on my creditworthiness. 

Enclosed with this letter, you will find supporting documentation, including copies of relevant credit reports and any correspondence sent to the credit bureaus and collection agencies. I am prepared to provide any additional information necessary for a thorough examination of this matter. 

I appreciate your prompt attention to this issue and request your cooperation in resolving this dispute as expeditiously as possible. Accurate and fair credit reporting is crucial for both consumers and creditors, and I trust that Capital One will take the necessary actions to address and rectify this situation. 

Thank you for your understanding and cooperation.