23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt for {$1000.00}, showed up on my XXXX XXXX report recently. I have no outstanding debt with XXXX ( account # XXXX ), in fact I have an account in good standing with XXXX. The company AFNI ( account # XXXX ), has sent me an affidavit on XX/XX/21 to supposedly correct the error. The company AFNI, has never notified me of a debt until it showed up on my credit report. There are requesting social security numbers, bank account information, proof of residency, copies of my license or passport. They have only told me they are requesting the proof of residency from XXXX - XXXX. I have no idea what they are talking about.
Product: Mortgage

Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks   starting end of  XXXX     2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in  XXXX     2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed an Identity theft/Police report which is attached along with proof of my Identity. The information is not information relating to any transaction by me, XXXX XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was surprised by a thief, he took my wallet with more than XXXX dollars and in my wallet He took my work card and my social security And now he has already requested credits with my identity. In the credit application he had made with my identity He left his phone number and postal address. 
His phone number is XXXX XXXX his mailing address is XXXX XXXX XXXX XXXX XXXX Indiana XXXX I am leaving this report because I am unable to pay credits at the moment I no longer accept anyone to make credits with my identity Thank you
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXXXXXX XXXX XXXX  from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX XXXXXXXX XXXX XXXX verified the account as accurate, but I do not understand how they could have done that. I have also gotten XXXX help from XXXX XXXX XXXX and they have not been able to provide me with any information even after I have sent them letter disputing account.
Product: Money transfer, virtual currency, or money service

I filled a complaint against Cash App. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have sent several certified letters requesting that my personal information be corrected including deleting telephone numbers and address not associated to me yet my report still contains incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action
Product: Debt collection

I received 3 debt collection notices in the mail from Sequium Asset Solutions stating that I owed XXXX XXXX {$42.00} on each of three " sub-accounts '' for a total of {$120.00}. My existing service with XXXX includes 8 devices all of which are under the main account which is current and makes direct withdrawals from my bank account, with no late payments or insufficient funds events. 
I have called XXXX or Sequium about this issue at least 4 times and most recently spent almost 2 hours on the phone ( I was transferred to at least 8 different reps ) where I discovered the following : - Recovery Department seemed like they were going to help me and transferred me to the Fraud Department to " investigate ''. 
- XXXX with the fraud department confirmed with me that this was a " XXXX XXXX '' and referred me back to recovery to correct the situation. 
- The recovery department has refused to help me and has referred me back to the debt collector. 
- The debt collector has said I need to resolve the dispute by paying them or going back to XXXX to address. 

Upon researching this issue it seems like it has occurred in the past and continues to occur on a regular basis to new customers.It seems to be a great case for a class-action lawsuit.
Product: Debt collection

Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!
Product: Debt collection

this company is reporting on credit but i have no knowledge of this account. please remove, i was victim of Identity theft.
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 violates the Consumer Financial Protection Act ( CFPS ). 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: Credit reporting

on the day XXXX XXXX 2016 I got a call from a collection agency XXXX XXXX XXXX account number XXXX reporting that they had applied for a loan with my personal information in XXXX. and I have not traveled to this state. So my identity was stolen and being used in the United States where I do not live. I live in XXXX XXXX and all my credit transsaccion is in XXXX. requested to be informed other credit companies. by I NOT authorize any transsaccion without my consent. This is my cel. phone number XXXX for other question. Additional need to change the address of Florida. I have not provided any US address of any company of credit report. My only residence is in XXXX XXXX. This is the number of complaint reported to the police of XXXX XXXX XXXX
Product: Credit card or prepaid card

Problem : Two fraudulent charges were made on my Chase credit card. 

Sequence of events : XXXX XX/XX/2022 at XXXX XXXX I received a text message from Chase Fraud stating that they declined a charge of {$1600.00} from a vendor called XXXX XXXX. Was this you? Reply YES or NO. 

I responded to this text on Sunday XX/XX/2022 at XXXX XXXX with an immediate NO. 

I then immediately logged into our Chase mobile app and noticed another charge by the same vendor, of {$1600.00} which Chase allowed. I called the credit card company at XXXXXXXX XXXX on Sunday XXXX XXXX to notify them that both charges were fraud, and that I had nothing to do with either transaction. Chase directed me to cut my current credit cards up while they closed my cards. I was told the fraud department was going to investigate while new cards were being mailed out. 

The charge of {$1600.00} was removed ( temporarily ) from my credit card balance shortly after the XXXX, while the fraud department was investigating. 

It was not until Wednesday XX/XX/XXXX that the charge of {$1600.00} re-appeared on my mobile credit card balance. I immediately contacted Chase to find out why this fraudulent charge reappeared on my credit card balance. After talking with several Chase employees on the XXXX around XXXXXXXX XXXX, I was transferred to the proper department within there organization, the Fraud Department. Well it was then that I found out that their specific division closed for the night at XXXX XXXX  I started looking through my mobile app and noticed a message regarding the fraud investigation just landed in my file. The outcome from the fraud department stated that I was responsible for the {$1600.00} charge, and came up with the " reason '' was that " I received benefit from this transaction ''. I became instantly upset for obvious reasons, I did not make either of those charges. I reported it immediately, and was not instructed that anything else needed to be done. 

On Thursday XX/XX/XXXX at XXXXXXXX XXXX  ( XXXX XXXX ) I called the Fraud Department. The employee ( XXXX XXXX answered the phone to assist me with my concern. I explained to XXXX that I properly reported the fraud charges ( charges in which Chase brought to my attention via text initially!! ) When asked why Chase thought that I benefited from the transaction the exact response was " well they ( XXXX XXXX  ) had your home address and email address, so it must have been you that placed the order ''. Really .... this does not prove anything... they obviously hacked into the Chase system. I have never done business with this company, and I've been a loyal customer of Chase ( checking account ) for over 15 years. I was shocked that this response by the fraudulent vendor was enough to accuse there loyal customer ( myself ) from creating a false claim. Again, a claim that they initially noticed ..... 

The call on Thursday XX/XX/XXXX ended with XXXX re-opening the case, however no outcomes were resolved during this conversation. At this point I have zero confidence that Chase will come to the correct resolution.
Product: Student loan

I have spoken to MOHELA several times over the last month ; I was given an income recertification date of XXXX and I submitted my income information. My new payment amount was approved. My account was subsequently put into a forbearance ( XXXX ), one that I did not ask for or need ; this forbearance means that I have one less month of payment that will go towards PSLF ( I am currently two years away from the ten years ). According to XXXX, anyone whose income was recertified in XXXX and had their payment go up will have their payment lowered until the extension for recertification in XXXX. I have spoken to two agents this week, both of whom could not help me remove the forbearance and didn't know anything about the Department of Education extension on income recertification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.
Product: Debt collection

Omni Credit Services continues to call my home phone looking for a someone WE DO NOT KNOW. After numerous requests to stop calling telling them we do not know this person and remove our phone number from their list, THEY CONTINUE TO CALL EVERY WEEK, XXXX. This is considered harassment. 
Our local police department suggested we file a police complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX Account # 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

Remove from my credit report because of the 14th amendment.
Product: Credit reporting or other personal consumer reports

I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. I have written XXXX, Transunion, and XXXX demanding all incorrect accounts be removed under the Fair Reporting Act, section 609 ( a ) ( A ).
Product: Payday loan, title loan, or personal loan

I have contacted this company in writing and by telephone to address the fact that my financial situation has changed and requested a settlement offer. There has been no response to the settlement offer in writing, as requested per the letter. When I received a call from them, the lady on the phone was rude and said she saw the offer and that I was still needing to make a full payment. The letter also indicated the ONLY form of communication would be through writing by mailing address or email and only communicate with me and not the references listed on the loan application to which she responded that per their documents at the time the loan was signed, they are able to contact me at any time or place and use and contact the references listed. I have been making payments, but am running out of time and money to do so in a timely manner, hence, the settlement offer. This particular company has offered 2 deferrals within the last 3 months to help the situation, but has not responded to the offer or has not offered other options. They have attempted to call all of the references listed on my account even though i have repeatedly told them not to. They did not validate these references at the time of my contract to make sure it was ok for me to list them or call them, therefore, they are being harassed for something they have no knowledge of and have been given my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to get my annual credit report, all THREE reporting agencies stated that online credit reports are not currently available and they provided a phone number to call or recommended writing a letter to receive the my credit report ( after completion of the request form ). I believe the law requires easy access to an individual 's credit report annually but the current behavior of the reporting agencies creates a barrier to individuals who attempting to review their credit reports.
Product: Debt collection

My name is XXXX, has been for XXXX years. My telephone number is XXXX, has been for 19 years. My name is not " XXXX XXXX '' and I do not know a " XXXX XXXX. '' Not sure about " XXXX XXXX, '' but my credit score is XXXX according to XXXX. If Weltman , Weinberg & Reis ever did their homework or even could read their own handwriting, they would realize I am not " XXXX XXXX '' and XXXX is not his number. 

But they have n't or ca n't, so I keep receiving nuisance calls to XXXX in their efforts to dun " XXXX XXXX. '' I have called XXXX and left messages that I am not " XXXX XXXX '' and XXXX is not his number. Yet I continue to receive their automated calls at least once a day, usually around XXXX
Product: Prepaid card

Had a {$100.00} amex gift card that " expired ''. I called the number on the card and they sent a replacement card as the funds never expire only the physical card. The new card is unable to be used. I can't use it online or in stores and when I go onto their website to get information on the card I get an error message when I enter the information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate information was submitted on XX/XX/year>, and I have not yet received a response.
Product: Money transfer, virtual currency, or money service

Hello I would like to add my bank account so I can retrieve my money but it wont let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained my credit report from all three bureaus Experian, XXXX, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither Experian, nor XXXX, nor XXXX have deleted it yet. It has been more than 30 days.
Product: Checking or savings account

Ive reached out to Sun-trust recently about the closure of, y account and there statement was that after an investigation into the check deposited on XX/XX/XXXX19 they would release funds. I've tried to provide them supporting documents that show that the check was valid as well as a contact number and emails from the lawyer. But they are refusing to allow such they have even refused to provide me with a way to get in touch with there arbitration Dept. I spoke with 6 representatives today XX/XX/XXXX2019 and heard several conflicting stories so while i'm here in Texas I decided to record 2 conversations ( which is legal in Texas with one parties consent ). They stated that the funds would be returned to the sender then i called back and they stated the funds would have to be requested from the Bank on the check. The accountant XXXX From the law firm was also on the phone and heard this and was baffled and spoke with the rep who stated that the funds would be return. Then she was even more baffled to know that the story changed. In the mist of this i was told my account was closed due to depositing a fraudulent check. also to add they took put a paycheck i had direct deposited in the account on hold as well. XX/XX/XXXX has stated that the check has cleared and they arent requesting the check back and Suntrust has no right to hold my funds on suspcion of Fraud. Theres nothing in the agreement i singed that says they can do such. Suntrust has the right to close the account when they see fit but they dont have to right to hold funds until they fill fit, In the agreement i signed it says that suntrust will release fund upon clossure of the account and the account is closed. ( see all attachments )