23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/2023 I got a letter dated XX/XX/2023 stating I owe {$620.00} to my apartment, I went to my apartment and they stated there has been an error and miscommunication with a payment plan the apartment set up for me and the amount is different. The apartment stated that they will try to pull the debt from the agency and bring it back in house but to respond to the letter and call and give them a heads up that the apartment will be contacting the company IQ data international to update the amount and send in paper work on the mistake the apartment made. I called IQ and when I gave the information to pull my account I tried to explain the situation and if they had a fax to send information, the representative disregarded the information I gave him and asked for a credit card to process a payment today because he doesnt want this to damage my credit and he doesnt want to report it. I explained the situation and that the balance is not correct and if I can set up a payment arrangement while the apartment updates, he stated again to give him my credit card info to process payment and that this will be reported on my credit and affect me. I asked if I can have the fax number to submit the data and I would call him back in 30 mins and he said it wasnt necessary to call him and also to provide my credit card information to pay and he doesnt know when it reports to my credit and it will affect me. I stated that he is not listening that I am trying to submit paper work and I said ok you asked me not to call back I will pay online and he stated if I dont take care of this it is going to report to my credit. And to give him the credit card information to pay.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXFOCUS FINANCIAL SERVIC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

My mortgage company after I was in a XXXX forbearance was with Suntrust and it got transferred to truest bank. They would not send me the packet to sign and notarize to have my payments put on the end of the loan. It went on and on they told me not to make payments because they could not accept them without the packet being signed and notarized. I never received it I called and called I never received it they got promising but would not send it. Now they are saying that theres a lien that came forward and they cant honor the XXXX forbearance
Product: Student loan

I have been attempting to speak with or communicate with Mohela Student loan about my loan forgiveness for XXXX. They refuse to provide any data or to process my application to XXXX despite repeated phone calls and messages requesting assistance.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.
Product: Checking or savings account

On XX/XX/XXXX, my son XXXX attempted to transfer XXXX to me via XXXX XXXX. He and I both had Chime Accounts and the, money was sent between them. However, the transfer ended up at XXXX Bank versus being transferred to XXXX Bank. I am attaching the same information that I sent to Chime Bank and the XXXX XXXX XXXX, so that it can be reviewed by your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ACCT # 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: Money transfer, virtual currency, or money service

On XX/XX/22, I paid a XXXX XXXX XXXX credit card bill at a checkfreepay agent, XXXX. I gave the wrong account number by accident, XXXX. The correct account number is XXXX. 

Upon calling checkfreepay on XX/XX/22, I was told that as the payment has been delivered to bank XXXX XXXX, the only option is to visit an agent location where they will proceed to call checkfreepay, and work to apply the payment to the correct account. This should then show up correctly within 10-15 days. I called again on XX/XX/22 and I was told the exact same guidelines on how to proceed. 

Instead, when I reached the checkfreepay agent, XXXX, the checkfreepay representative told XXXX that I needed to dispute the payment with my bank. This goes counter to any research I've done on the matter online, and counter to the XXXX calls I made to checkfreepay personally, where they each stated that the payment should simply be corrected. Attached is my statement showing the correct account number, along with the payment receipt from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were deleted from my credit file because i was a victim of identity theft but this one account, XXXX XXXX XXXX XXXX just reappeared last week and dropped my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit card or prepaid card

I have been a customer of Chase 's Southwest 's Rapid Rewards Plus credit card for over 5 years. When I initially signed up, the benefits were great and owners of the card had the benfit of reaping rewards when booking through southwest and using the card while flying with them, it was worth the annual fee of {$69.00}. 

Over the years the rewards have been pared back, and it has become the card with the least amount of features in the product line. I have called Chase multiple times because I do not want to stay with a card that has an annual fee, and I requested a product change. 

Chase has told me that, even though they service the card, you can not leave a " partner product line '' which southwest counts as. I am trapped in the Southwest product line and there is no card option that has no annual fee. I feel cheated and that my only option is to close my account, which has my longest credit history, and will result to a massive hit to my credit score. This will impact my ability to buy a home, get a better credit card and if I keep the card over the next 10 years, and not spend a dime : I will owe {$690.00} in annual card fees, unable to leave. That isn't right and they say they " can't '' move to another product.
Product: Checking or savings account

I'm not sure the exact date because trying when I send me the information I requested but sometime in XXXX I had close to {$9000.00} took out my account, when I looked up the information on chime it was somebody from XXXX and some other places and when I contacted them to stop the legal transactions they did not. When I requested for them to refund the money they also didn't do that either. When I look on my chime account it will not allow me to go back that far anymore
Product: Debt collection

Mandarich Law Group sent a letter stating I owe money for the original creditor XXXX XXXX. 
It shows it went from XXXXXXXX XXXX  to XXXX  which is now owned by XXXX. 
I requested to see the contract from the original creditor. 
The debt appears to be over XXXX  years old and past the XXXX  statute of limitations of 6 years. 
The Debt is also under the name of XXXX XXXX XXXX which is no longer my name.
Product: Mortgage

My credit report is showing a late payment from XXXX XXXX. This payment was made in XXXX however, I believe that there was an issue with the system as the payment was never processed even though on my end it appeared to be accepted. I did n't realize that the payment did n't get processed until the following month and by then it was too late. As a result I now have a late payment on my credit report that is preventing me from buying a house. I have never been late on this account in all of the years of owning this home and would like this credit blemish removed as it was due to no fault of my own.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates : XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!
Product: Credit reporting or other personal consumer reports

We call the Citi bank credit card, told both of us. The account was closed and it would be explain in a letter. Well letter came, said nothing. File a police report for identity theft now XXXX XXXX and myself XXXX XXXX have been compromised
Product: Debt collection

All 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting a medical alleged debt less than {$500.00} ( XXXX ) on my consumer report. I sent letters telling them to remove those collection on my consumer report but they did not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuing to respond updated on an account that could NOT be verified and. 

FTC reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand that the accounts listed below be permanently removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX  XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX Months Reviewed 35 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$360.00} XXXX XXXX XXXX XXXX {$360.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Debt collection

MARINER FINANCE , LLC 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 This account has been closed since XXXX and the company keeps reselling to someone else to put it back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting Act XXXX  Account # XXXX # XXXX has violated my rights 15 USC 1681 Section 604 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX  balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 section, states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have been making payments to Carilion debt collection for over 3 years. I called today to find out why. The worker told me that I still owe {$2000.00} And when that is paid off I have another bill for {$2500.00} for a XX/XX/XXXX bill and a XX/XX/XXXX bill. I know nothing about these bills and she couldnt give me any information. I feel I do not owe anything from this time!!! The Carilion debt collect has placed bank garnishments on me three years ago so she told me they will do it again. I was never given the opportunity to prove that I owe this money. 

Carilion debt collection XXXX ( XXXX ) XXXX XXXX Virginia
Product: Debt collection

On XX/XX/XXXX, I received XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX. ) XXXX was botched badly. I am constantly in Hospital with XXXX 's, XXXX 's, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
For almost 2 years I was not aware that XXXX XXXX took out a loan with XXXX XXXX for an amount I think I found out with last mediation from XXXX of XXXX dollars. 
I was under the assumption pmts was to be made to XXXX. As per the agreement. I found out in XXXX that this was not the case. I told XXXX XXXX XXXX XXXX, that last time in mediation, but now they are going after my only one car and stated that they would lean it. if i don't pay. I HAD NO KNOLEDGE OF THAT LOAN!!! I DID NOT GIVE PERMISSION FOR THAT LOAN. I HAVE TRIED TO RECTEFY BY MAKING SMALL PMTS SINCE THEY ARE RUINING MY CREDIT!! I tried taking XXXX to court to have the credit charges reversed to XXXX XXXX, but got entered a default judgement, since I was in Hospital and Defendant Attorney gave me a wrong court date. But now XXXX XXXX wants close to XXXX. And I am having severe medical complications due to negligent of XXXX XXXX and XXXX Again.. I thought I had a loan with XXXX. I did not give permission for any other credit Also this is my only car ... ..I had my last one for 10 years with XXXX before I bought another ... Request that car will not be liend. I request that XXXX returns the money charged to that creditor for whatever amount it was ( I do not know, since I never saw the amount. ). And removes those entries from court records and my credit. 
XXXX XXXX Yes I gladly give my name to ensure that others can learn from my experience and be more vigilant. I was a victim of greed. I was not aware that credit was taken out on my behalf. I still do not have a copy of that paperwork I signed.. imagen that... 
Again.. please help.. I have tried every avenue between the more than XXXX XXXX and endless hospital stays. Request that XXXX XXXX  gets refunded by XXXX XXXX, and XXXX XXXX in XXXX XXXX, for my botched XXXX that has cost me my health and my life. 
According to Regulation Z, I am protected since I did not give permission for that loan to take place. As I have stated many times to the Attorneys at XXXX & XXXX XXXX FROM XXXX XXXX FL
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit XXXX XXXX (. ) Account #., has violated my rights is 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 with my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer
Product: Debt collection

I have been a victim of Identity thief and my personal information has been compromise. 
I've noticed collections and inquires on my credit report. XX/XX/2020 XXXX  XXXX XXXX {$230.00}. Also CAPIO PARTNERS LLC. {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC report and remove the account XXXX XXXX XXXX XXXX from my credit report due to fraud. I filed a dispute long ago informing the credit bureaus that this account was not mine and they ignored my request. If this is not removed within 15 days I will be moving forward with legal action.
Product: Money transfer, virtual currency, or money service

Cash app lied saying they can not verify my account that is because they closed it so its not able to be traced so they do not loose any money that they let some 1 steal. And for them to lie and say they can't verify my account that's XXXX bc I can log in to it from my phone and it has my name and they have my social security number witch now that becomes identity theft due to letting some 1 hack my account and steal my money
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and 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 redres ; for these violations.