23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received debt collection letter from company owing {$410.00} for XXXX XXXX XXXX not sure when but have complained with the debt collection company this is a fraud attempt. They send me paperwork to fill out but am checking around first??
Product: Debt collection

I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC XXXX ( XXXX ) ( XXXX ). I am not validating any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year> I have not received any documentary evidence such as a trilateral contract giving I.C. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC XXXX ( d ) ( XXXX ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC XXXX ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC XXXX, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC XXXX. Your prompt attention and response are both requested and required.
Product: Prepaid card

I purchased an American Express Secure Pay Gift Card with a balance of {$500.00} initially. I used it only a couple times when I first purchased it and then did n't use it again until almost 2 months later. When I tried using the card it was declined as having insufficient funds even though I had only used {$100.00} so there should be {$400.00} remaining balance. After checking the transaction history online I noticed that within the span of 4 days someone had emptied the card at multiple locations ( XXXX, XXXX, XXXX, XXXX ). This happened even though I still had the physical card. I called American Express to report the fraudulent activity and try to receive a refund of my stolen balance. They told me that the card could only be used in person if the user had the original physical card. This is clearly not the case and either their database of giftcards was hacked at some point and they deny any responsibility or someone randomly created a duplicate of my card with the correct card number and security code ( not likely ). American Express would take no responsibility and told me to contact each retailer where the card was used and try and receive a refund from each of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX ( a ) states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX ( XXXX ) also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XX/XX/2023
Product: Mortgage

We went into the local XXXX branch of Golden 1 Credit Union on XX/XX/24 and closed our HELOC account. We did not receive a final statement at that time. I finally went back into the branch on XX/XX/24 and got a final statement after requesting it several times prior. I need a document from Golden 1 that states this account is closed. They eventually gave me an email address to email this request to. We have emailed them a couple of times and they are not responding. We have pending financial business at other financial institutions that is waiting on this document. This has created a financial hardship for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA it is a violation to report monthly payment and payments on a closed account. Equifax refused to remove the accounts from my credit report. I have dispute letter and factual documentation. I have requested Equifax to remove the accounts. 

XX/XX/2019- Dispute letter and copy of credit report sent out to Equifax . 

XX/XX/2019- Dispute letter and copy of the credit report sent to Equifax . 

XX/XX/2019- I have sent out a copy of the credit report and dispute letter
Product: Checking or savings account

I was just wondering why I have had so many NSF charges on my account. I looked my checking account up on line n a balance n 4 or 5 transactions were pending n then I use my card n then next thing they say I'm in the hole n NSF charges.
Product: Prepaid card

Bought a {$500.00} gift card ( US Bank generic version ) from XXXX. Tried to use it. Denied. I have tried to register it and the website doesn't work. Called the company ( number on the back of the card ) and they confirmed {$500.00} was the balance but in order to register I had to send a picture of my id to them via fax?? No other option given. Seems like a scam. But for {$500.00} I am unwilling to walk away. Please advise and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I noticed an item pop up on my Transunion credit report for XXXX XXXX XXXX, i called them on XX/XX/18 and spoke with XXXX who I informed this loan was fraud and that I did not open this account. He told me they sold this now debt to XXXX XXXX XXXX XXXX and said that they no longer have any documents with information about this loan. I can not get ahold of anybody at XXXX XXXX. 

On XX/XX/18 I sent a certified document to Transunion disputing this item on my credit report. I explained to them that this was fraud and placed a fraud alert on all 3 bureaus for this. I explained to them that unless they verified and validated this item per the FCRA that they can not list this on my credit report and would be breaking the law. 

On XX/XX/18 at XXXX I called Transunion to discuss the letter they sent me in the mail in response to my letter i sent. The rep i spoke to said that Transunion " validated '' XXXX XXXX XXXX, I was transferred to a supervisor since the rep couldnt help me. I explained to the rep under the FCRA that they can not list any collections from a collection agency unless Transunion has physical documentation such as a signed contract. She admitted that they do not keep records of collection agencies alleged proof of debt and I told her then that is not legal to list any of this w/o this documentation. I also informed her that this is fraud and my identity has been stolen and so this should be removed just based on that. She informed me that XXXX is still pending based on the docs I sent to them. Estimated completion is not XXXX which what the letter they sent me states, she said estimated completion is XX/XX/XXXX. 

I sent Transunion screenshots from the Oregon DFR which regulates licenses for collection agencies and companies who conduct loans. XXXX XXXX XXXX do not have a license to conduct business in Oregon. Even after all of this proof I sent Transunion that this is fraudulent on several different levels, they still came back and said this item is verified and will not remove it from my credit report. I tried disputing it again on XX/XX/18 and was told that Transunion does not have the ability to remove items and that the company or the collection agency has to inform the credit reporting agencies to delete an item. This is false information and not true, they absolutely have the ability to delete fraudulent and inaccurate items from anyone 's credit report. I filed complaints separately for XXXX XXXX XXXX on the Oregon DFR, the CFPB and filed an identity theft report with the FTC.
Product: Checking or savings account

I have been unable to access my Ally Bank account for an entire month. When trying to log in, I experience error codes on both desktop and the mobile app. Desktop error code is always " Request can not be processed. '' On mobile app, it is " Online Access Temporary Blocked. You've entered an incorrect username or password too many times '' ... This app error occurs on the first attempt to login after waiting several days since my last attempt. 

I have tried resetting my password. I have called several times and spoken with various representatives who have reset my username and password without success. They've stated that this is a known issue for certain customers, and that there is no known resolution date. 

Ally is an online only bank. I can not access my money, period. I can not view transactions, make a deposit, make or edit transfers, send money with XXXX, or even view my account balance. This is totally unacceptable, and seems like it should surely be illegal! What can I do??
Product: Money transfer, virtual currency, or money service

( 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 disputed these companies off my credit report. They are still showing up on my credit report. 

Names Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are fraudulent. 

Thank You!
Product: Checking or savings account

I set up a savings account in late XXXX with Flagstar bank/XXXX. I deposited {$45000.00} during that period of time. A week later on XXXX, I transferred {$50000.00} from my XXXX XXXX account to Flagstar Bank. The funds were withdrawn from my XXXX account ( by Flagstar Bank ) early in the day on XXXX - XXXX  XXXX confirmed and I could no longer see that {$50000.00} in my XXXX account. I called Flagstar on XXXX to see if I'd get the interest for the days I had to wait for my funds to reflect in my account and they told me that would happen. I then called back to confirm on XXXX - the money was still not in my Flagstar account but the customer service rep told me that I'd receive interest payment starting on XXXX. I did call back again to confirm with a supervisor and they told me I would not start generating interest on my {$50000.00} until Monday, XXXX. Why did it take Flagstar Bank so long to reflect my {$50000.00}? Why were they confused about their policy re interest payments after a transfer? They told me they had the money on XXXX but could not explain why the money wasn't being reflected on my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a CFBP complaint to XXXX XXXX XXXX due to an inaccurate and incomplete collections account on my consumer report. XX/XX/year>, which is over 5 days of initial communication with the consumer, and nothing was sent to me in the mail. This collector provided me inaccurate and incomplete validation letter and did not provide me with any information or disclosures stating I have received any information provided by them. Or any detailed information regarding reporting this account on my consumer report inaccurately. There were laws violated as well. In this case, I submitted another CFPB complaint on XXXX XXXX complaint ID XXXX. Due to them not removing the account or fixing the issues and violating laws. XX/XX/year> debtor responded they need more time. Now this account has been given to another debt collector without my permission. XXXX XXXX has not completed this complaint with me yet. And already given away my information. This is really giving me XXXX  and stress. This debt collector is violating laws. 
The Fair Debt Collection Practices Act DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT Truth in Lending Act I do not understand why XXXX, TRANSUNION, XXXX is allowing this debt collect report to my consumer report. Please remove as soon as possible. 

The FCRA gives consumers many important rights when it comes to the information that consumer reporting agencies collect about them. It requires consumer reporting agencies ( including the three major credit bureaus ) to make sure the information they collect and share is fair, accurate and kept private.
Product: Debt collection

My loan is being serviced by  XXXX   XXXX  and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage afte r the 1st modification was approved. Again, they have offered me two times another loan modification  only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tact ics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is takin g it 's toll.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX  Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 XXXX Bank XX/XX/22 Credit XXXX  XX/XX/22, XX/XX/22 XXXX XXXX Bank XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Product: Money transfer, virtual currency, or money service

Coinbase has disabled my account, first noticed this problem, XX/XX/XXXX, stating that my trading account has been temporarily suspended please contact our support team. I have contacted the support team on many occasions and no response, I sat on the phone on hold for 2 hours only to be disconnected. I have money in that account under a crypto currency that I want to sell and get out due to market volatility but have been able to access my account in order to do so causing me to loose a large amount of money. this is unacceptable and need to be resolved asap so I can access my money and get out!
Product: Checking or savings account

I had or have an account with Capital One, a 360 Checking Account, account number XXXX, which had a balance of {$1400.00} as of XXXX/XXXX/17. I have called Capital One and emailed them in an effort to close my account, but Capital One has refused to close my account and has refused to pay me my balance. Further, Capital One closed my online access, and has refused to reinstate my online access so that I can get this account properly closed. I have lost the use of my money, and I have been cut off from access to my account.
Product: Student loan

The problem is n't really listed. I attended the aforementioned school which made many promise to those who attended during enrollment. This lead to a class action lawsuit filed against the school representing thousands of students spanning 14 states in which the verdict came down against the school. I continued to make student loan payment for a while of over {$350.00} a month even though I didnt receive any of the things that XXXX had promised. I became ever more frustrated as the company know as XXXX XXXX back then ignored my plea to fulfill what the school had promised themselves or find someone else to do so, especially since they still planned to charge me almost triple the price through the terms of repayment for services that I did not receive from the school itself. So I look for help and was contacted by a company called Consumer Protection Council, who present me with their program that was supposed to deal with this issue but also provide legal defense ... which as of earlier this year stopped because of some legal issue against the owner of that company. So that is where it stands right now. The school mislead me and those who attended it which has been established by the class action suit, but am unwilling to fulfill what was agreed upon between the school and I ... but charge a highly inflated price for services that I had not received. So I will virtually be paying for nothing.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM HAVING A PROBLEM WITH MY XXXX XXXX CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I reported a fraudulent account on my consumer report to EXPERIAN and XXXX. This account is from a company name XXXX XXXX ACCT XXXX XXXXXXXX. I do not have any business with then whatsoever. i filed an ftc report and i made XXXX AND EXPERIAN aware and put them on notice about the fraud. see attached letters sent certified with green reurn card XX/XX/2023. XXXX XXXX Experian XXXX the fraud account was removed then put it BACK on my Consumer Report WITHOUT A FIVE DAY NOTICE. 
THEY ARE VIOLATING. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) THIS IS HURTING HARMING MY CREDIT I AM IN THE MIDDLE OF THE HOME PROCESS THIS IS DAMAGING..