23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I began aggressively disputing the below accounts since  XX/XX/XXXX  when I noticed they was charged off.  <P/>  1  )   XXXX   XXXX    XXXX   2 )   XXXX   XXXX   XXXX  3 )   XXXX    XXXX   4  )  XXXX  ( FOUR ACCOUNTS )  XXXX   5 )    XXXX   XXXX   XXXX    ( been disputing since   XXXX   XXXX   )   XXXX  My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting.  <P/> In response the credit bureau s 1 )  told me the debt was valid,  2  ) reported it as fraud and  3  ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint.  <P/> Because of their response, although neither of which was my complaint, I then sent TWO letters (  XXXX  and   XX/XX/XXXX    )  asking for validation for the debt since they were stating it was a verified debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me.  <P/> Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation.    2 )  The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules.    3 )  The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my file with sage stream frozen and have not been able to get them to respond. 

My social is XXXX
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 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

Hello, A few months ago, I was called and scammed by what I thought was my electric company while I was on vacation..and they asked me to my bill via XXXX XXXX I believed them because even their phone number was supposedly right. I only opened a XXXX account because CHASE Bank offered it. I think that was the first time I used it. When I immediately realized I was scammed the money was out of my account. I called CHASE and XXXX. For weeks I went back and forth waiting for them to look at my claim. CHASE said I would most likely receive a Courtesy Recovery but weeks and weeks later neither XXXX nor CHASE would give me anything in return. I have recently seen stories where CHASE does give people their money back. But they flat out and rudely said no to me. The supervisor practically hung up on me. I was shocked. Now that I know others have gotten their money returned I feel I should.
Product: Debt collection

My complaint is against CACH , LLC. I won a judgment against them in court on XX/XX/2019. They were unable to substantiate their claims against me. XXXX and XXXX both removed CACH from my credit report. However, XXXX  is still showing the debt. It is imperative that I get this removed.
Product: Debt collection

I found XXXX XXXXXXXX XXXX on my XXXX XXXX report. I do not recognize this company or ever having done business with them. Under Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

For more than 200 years, Chase has been one of the worlds leading financial institutionsits reputation beyond stellar ; its customer service unparalleled. Thats why I chose Chase to handle my mortgage. Thats why I am appalled about my latest encounter with Chase. And thats why I am reaching out to you.
Recently, I mailed Chase three mon  ey orderstwo in the amount of {$500.00} and one for $  XXXX  satisfy my account before  XXXX   XXXX ,   XXXX  . Chase stamped the money orders several times before realizing that the total would not bring my account up to date and returning the money orders to me.     In the meantime, my mortgage had been sold to  XXXX   XXXX   XXXX , where I sent the stamped money orders to satisfy my current mortgage obligation.  XXXX , however, will not accept the money orders because they were written out to and had been stamped by   Chase.
In an effort to rectify this situation, I spoke to three Chase mortgage banking specialists   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  of whom told me that because of this error  three separate checks would be mailed to me within five business days. ( Each conversation was recorded by Chase. ) After more than a month, I have not received the checks as promised, nor have I heard from Chase regard ing the status of the checks.     I tried to return the stamped money orders to the store where I purchased them, but they will not accept them. I also called the money order provider,  XXXX   XXXX , which informed me that I would have to pay {$50.00} for each money order and that I would need a copy of each money order as well as the stubs, which I do not have, before a refund can be processed on my behalf.     As it stands now, I have lost {$1100.00} due to Chases mishandling of my money orders and misinformation over the phone.     I do not know what else to do. I am on  XXXX  due to major health issues, so my funds are limitedand this situation is causing me even more distress. All I want is for Chase to send me the money I am owed, the money they promised.     Now as of today,  XXXX / XXXX /  XXXX  , I spoke to a  XXXX   XXXX   XXXX  at  XXXX  Mortgage Banking  Executive Office . She suggested that I return the money orders back to the store where they were purchase. I reminded her, that the store does not do returns on stamped, written and dated money orders. She than suggested that I call  XXXX   XXXX . I reiterated that I will be charged {$50.00} for each money order. That is {$150.00} that I do not have.       Please help me rectify this issue with Chase before my home goes into foreclosure.
  My reference number -  XXXX  Thank You so much in advance!    XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I went into XXXX XXXX made a purchase for XXXX dollars and XXXX cents. I asked the cashier where is my XXXX dollar promotion. She said you made a purchase that had a subtotal of less than XXXX dollars. I said ok, I will return these items and then I went to customer service. I told them I needed to return the items I just purchased. They returned the items and told me that the sodas I purchased can not be refunded or returned. I was alright with that. I spoke with them about my promotion and they said the purchase has to be over XXXX dollars on the subtotal which was the same as what the cashier said. I returned what I could right then and there. I proceeded with making my purchase for over XXXX dollars on the subtotal and like magic my promotion was automatically applied and I paid the difference of XXXX dollars and XXXX cents right there in the store. The problem came after a few days of checking my account and seeing that the return did not show up on my credit card it only showed the purchase. This left me with three receipts to show the transactions that took place and a few phone calls and disputes with customer service. They or customer service assured me that everything would be shown on my account in a few days but did not happen. I recieved the promotion but my credit card statement is not. I sent in the formal dispute however they did not accept my receipts showing the promotion and have not credited my account of the XXXX dollars.
Product: Debt collection

I paid off a XXXX XXXX Bank credit card XX/XX/XXXX. There was several late payments, but the card was paid in full. I have Bank Statements showing this. XX/XX/XXXX, Portfolio Recovery Associates filed a lawsuit stating I owed them money. We went to court, but before we went in, I showed them the paperwork and they asked the case be dismissed. Now, they have filed suit against me for the same amount. While going through their paperwork, I realized they do n't even own my account. We are going to Trial this next Thursday and I have asked for a Court Reporter to be present so I can have documentation of what they say during the trial. I have now missed multiple days of work, I 've had to pay for official bank records, and I 'm very stressed about something I should not have to be going through. It must be illegal for them to do this, especially when they already have all the documentation that this debt is paid.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This
may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

On XX/XX/2021 mailed money order to pay mortgage payment. Payment got lost in mail after investigating money order company refunded my money. I have sent all paperwork to ShellPoint explaining what happen and ask if they can remove XXXX late payment from credit report due to mail being lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXXXXXX Balance : {$2400.00XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Checking or savings account

XXXX XXXX XXXX changed authorization payment date that was in the system already from XX/XX/2023 to XX/XX/2023. Told apartment manager I was making the payment originally XX/XX/2023 and apartment manager kept telling me I have to make the payment date on XX/XX/2023 to avoid eviction even though the paper she given me said XX/XX/2023 XXXX XXXX. The payment that was pre authorized to come out on that date processed in their system on XX/XX/2023 and posted on XX/XX/2023. Spoke with corporate and they said they have no way of going in to change the payment authorization dates. This has happened twice and only times when management or leasing office has called me about certain dates to make the payment. No other issues with other months other than XXXX and a few months ago. No solution was given. XXXX from corporate kept saying that their processing system can process authorization days prior before even though it does not do that any other time.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

Jefferson Capital systems never contacted me about settling this debt and they keep refilling i. I have tried to contact them and they wont negotiate it at all.
Product: Credit card

Our company XXXX XXXX XXXX has a corporate credit card for 3 users. We made a payment to pay off the full balance but found out later that it is not applied towards the 3 cards except once a month. Seeing a balance on one of the cards for {$18000.00}, we made a second payment on XX/XX/ and realized later that we had an overpayment of {$11000.00}. We called Bank of America 5 times to get a refund. On the XXXX call, I was told the refund would go through shortly but it has been 3 weeks since this started and no such refund has been mailed to us. Bank of America National Association has been holding onto our money unjustly and we would like it back. Currently, the balance is- {$9500.00}.
Product: Credit card

I checked my Big Lots credit card account to verify it was up to date as I had missed a payment at the beginning of the year. Checking the history on the account, I discovered that the late fee was XXXX, this late fee was on a XXXX dollar charge. 
I called to get an explanation on why a late fee is 100 % of the charge. He never answered that but offered me a {$15.00} credit. I took it as I am on a fixed income, but I can not believe that charging a 100 % late fee charge is legal?!
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX, and I am writing to formally report that my personal information has been compromised due to a recent data breach. As a result, there are inaccuracies reflected on my credit report that I believe must be addressed urgently. 

The incorrect items currently reported discrepancies are not a result of my actions and are directly linked to the unauthorized access of my personal information. 

I kindly request that you investigate this matter and take the necessary steps to remove these items from my credit report to reflect accurate information. 


Please do not hesitate to contact me at XXXX XXXX or XXXX should you require any further information or clarification. 

Thank you for your attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, EXPERIAN IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM EXPERIAN, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Product: Credit reporting or other personal consumer reports

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several accounts and inquiries that I didnt authorize.
Product: Student loan

In XXXX of 2021 I entered into a reduced payment plan agreement with Discover Student loans at $ 50 monthly payed automatically. The description of this payment plan was provided as being a minimum of 6 months and but was told I my would continue for a total of 12 months and that we would then reassess my financial situation at that time. 
However very suddenly in XXXX the payments stopped being auto drafted and am now being told the program was only for 6 months and being placed back in the same program was not an option. I had had a very good payment history and never missed a payment and they are now asking for hundreds of dollars monthly that I can not afford and threatening to charge off the entire loan. 
Additionally they have threatened to go after my co-signer who is my former step father. These loans were purchased by discover student loan years ago from XXXX student loans. Whole with XXXX, my step father had been removed as a co-signer, however after being acquired by Discover he was added back on without notice. My mother past away a few years ago very suddenly and my former step father is now remarried and lives in Florida. He already having been previously removed as a co-signer while held with the loan originator XXXX XXXX due to good payment history and that fact that my mother is dead, leaving him totally without any responsibility for these loans, and for Discover to threaten to go after him is wholly unacceptable. 
I have offered to continue with the same arrangement until I am in a better financial position to make my standard payments. I even offered to increase the payment amount to {$75.00}. Twice I have called and asked for the issue to be escalated to a supervisor for help and each time I have been placed on hold for greater than 30 minutes until the line suddenly disconnects. 
This would benefit both me and Discover as I will receive an affordable payment and Discover received a greater amount of net interest income over time.