23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

I had just gotten paid the morning of XX/XX/XXXX XXXX was in process of paying bills at the time of this accurance, I get a text from money lion the institution I had my check direct deposited into saying my account was running low please deposit or make a transfer. I immediately logged on to find {$750.00} was missing from my account and was sent XXXX. I call the bank they say we will file a claim, XXXX days later a loan for {$500.00} was issued to whom ever when all said and done {$1900.00} is what XXXX account was saying that I owed. XXXX was contact only by email, they have no phone number stating that they need account info and date and etc, will investigate and respond as soon as possible, meanwhile between the XXXX institutions somehow a decision was made that no error accured. XXXX then contacts me saying I need to have the bank contact them with the information to do a charge back so I ask money lion they make me open another claim getting the same answer and told me that it's not up to them and the information was given but the no error accured decision was made and the charge back wasn't going to be made so I should ask for a refund. XXXX said they will only contact me if nessesary and fir me to get my money back the bank must contact them. A month has passed the companies seem to think I did this to myself and I still have not been refunded anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX
Product: Debt collection

I received a text from TSI ( debt collector ) to my cell phone about an account with XXXX XXXX. I have a XXXX account and called them first to ask what it was about. They confirmed my account was in good standing and they have not sent me to collections. I then called TSI at the number provided and reported to them they have the wrong person. They told me they were looking for XXXX XXXX. I told them I do not know who that is, that the phone number is my cell phone and I've owned the number for several years. They told me they'd remove me from their call/text list and the call ended. 

I received ANOTHER call and text shortly after. I once again called and was told my number was being put on the do not call list and I wouldn't receive anything further. I continued to receive more text messages from this company after both of these conversations and today ( XX/XX/XXXX ) I called and reported the same issue. I am not who they are looking for, I am not aware of who the person is and to stop contacting my cell phone completely. I requested to speak to a manager who told me the same spiel of being put on a do not contact list and to wait 24-48 hrs and if I was contacted again after that time, to call back. I again repeated that this has already happened and they are saying the same thing they did before. She said there is nothing they can do. I told them I will be filing an FTC complaint and will be paying fees/fines if they continue and ended the call. 

Dates of texts and calls : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CREDENCE RESOURCE MANAGEMENT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGEMENT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Good day, I am submitting this request to dispute and request the removal of certain inquiries from my credit report. These inquiries were made without my authorization and are negatively impacting my credit profile. The inquiries in question were initiated by TransUnion and I believe they were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these inquiries. Under the FCRA, unauthorized or erroneous inquiries must be corrected to ensure the accuracy of consumer credit reports. I have attached relevant documents to assist with your investigation and verification process. 
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 XXXXXX/XX/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 ( 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, theres 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: Mortgage

On or about XX/XX/2018 I had missed my most recent local home tax bill. I planned on paying it and knew it would be late ( one other time this happened and I paid late plus penalties ) Then I get a letter end of XXXX stating LoanCare paid the taxes and someone would be in touch with me. That never happened. I received a letter mid month stating my mortgage would go up {$1600.00}. almost double what I pay and have ever paid on any house I have owned. To date I have phoned over 15 times ( hold, put in a call back appointment-no call back, written emailed etc ) I have tried calling as of today 5 times the phone answering system is not working keeps pushing me out or not recognizing the numbers you push to move forward ( push 2 for this put your ssn in etc ). I CAN NOT afford {$1600.00} added to my payment and NOR should I have to. have sent notification I will pay the amount they paid on my behalf and I want my house payment back to the {$2100.00} ( or less if they can and I know they do lower ) for XX/XX/XXXX payment. There was ZERO notice and ZERO replies back to resolve this. Please help me with this complaint
Product: Student loan

Name : XXXX XXXX XXXX XXXX ) XXXX I originally applied for PSLF in XX/XX/XXXX with XXXX XXXX  XXXX. I sent several supporting documents as my previous employers ( PSLF approved employers ) did bot have a local HR office and directed me to verify my employment via XXXX without a response. The last correspondence I had with XXXX XXXXXXXX XXXX was XX/XX/XXXX. 

In XXXX of XXXX I believe my PSLF application was transferred to Mohela. I again requested what information was lacking. I was told employer verification. I explained the situation again and also sent in my IRS wage transcripts for the last ten years. 

In XX/XX/XXXX I received a denial on the account a signature page that was faxed in XX/XX/XXXX was cut off via the fax. I was told by a customer service rep to copy and mail in my original application which I have done and was documented received. 

When I now log into Mohela I am no longer able to access any of my previous uploaded documents or see an account status. When I call to get an update they do not have one, it has been mentioned by a customer service representative that I must have been approved. However I can not get an estimated date of an approval letter for PSLF when I ask them. 

My loan services was XXXX and is current XXXX. XXXX is unable to give me any information when I call to inquire on transition of loans if approved for PSLF.
Product: Student loan

My direct student loans are serviced by MOHELA. Before the payment pause, I was on the REPAYE program. MOHELA automatically switched me to the SAVE program, but is incorrectly calculating the payment and has not responded to my inquiries. Specifically : the payment amount would be correct if I was a single filer ( disposable income calculated with a one person poverty line amount ), but I filed married filing jointly ( no dependents, so a 2 person poverty line should be used ), and my wife also has federal student loans ( so my payment amount should be pro-rated by the proportion of our loan balances ). 

I have not been able to reach MOHELA by phone, and they have not responded to email inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to Georgia student finance XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex boyfriend XXXX XXXX or XXXX whatever his real name is stole my information when he stayed with me the. He moved to XXXX XXXX in XXXX XXXX XXXX I only found this out after I discover he opened a credit card in my name and he even hacked my email. So I didnt know he actually opened 4 accounts one with capital one one with XXXX  XXXX one with XXXX XXXX as well as a XXXX XXXX XXXX XXXX XXXX account which were all without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX ( Original Creditor : AT T ) XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to XXXX and Experian in effort to have my credit report updated with my full history of loans with XXXX. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.
Product: Debt collection

Southwest Credit in XXXX Texas has my XXXX account. They are saying I owe XXXX for unreturned equipment and past due bills. The billing dates they have are incorrect. My service was already disconnected and XXXX is trying to charge me for months of service due to them billing months in advance. They are also billing me for unreturned equipment in which I returned ALL my equipment to their rep who came to my home. I even signed my name on his phone and he was picking up all the equipment. The date of service on the bill Southwest sent is XX/XX/XXXX-XX/XX/XXXX but I had XXXX XXXX at the end of XX/XX/XXXX. It is under my husbands name XXXX XXXX for our same address XXXX XXXX XXXX XXXX, XXXX TX XXXX. Call XXXX and verify please. I sent a long detailed debt validation letter to Southwest credit on XX/XX/XXXX and only received one thing out of 18 things I asked them to verify. They sent me a billing statement from XXXX  with the incorrect payment amount. I have called Southwest many times and they are extremely rude and will not even try to listen to me. I need this to be looked into and researched asap. I do not want this to hit my credit in any way. especially with wrong information.
Product: Credit reporting or other personal consumer reports

Zelle did not require to double check transfer recipient before sending or receiving transfers.
Product: Checking or savings account

I was a customer of TD bank in XXXX and they let bills come out of my account that werent authorized they ended up wracking up XXXX  bank account because of fees and paying for things that werent authorized
Product: Credit reporting or other personal consumer reports

On my XXXX report it is report an account from XXXX XXXX that I have not given permission to disclosure any non public information. This account should never have been put on my credit report per my consumer rights under the Fair Credit reporting act. It clearly states that for a financial institution to report any non public information such as financial relationship of accounts, they need to have my written permission to report this information. I have never given them this permission and they have violated 15 U.S. Code 6802 clearly.
Product: Credit card

I disputed a charge for approx. {$1400.00} on my Wells Fargo Credit Card for an unauthorized charge with XXXX ( the merchant ). From the first phone call with Wells Fargo, I clarified to them that I did not authorize the charge. Wells Fargo subsequently concluded and found that XXXX had knowingly, and willingly, bypassed an authorization and confirmation process to force the charge through. Wells Fargo, thereby, confirmed my claim that I did not authorize the charge. Wells Fargo still refused to reverse the charge, saying I had to deal with the merchant. Even when I communicated with the merchant ( XXXX ), they agreed that they had knowingly and willingly bypassed the authorization and confirmation process to force the charge through. Subsequent analysis by me found that Wells Fargo had n't categorized it as an unauthorized charge when I had explained that to them over and again. Finally I got them to treat it as an unauthorized charge and they said they 'd look into it. I just received a letter from Wells Fargo, and their claim is that they say that I authorized the charge, when I 've been telling them from day 1 that that is not the case. Even XXXX ( the merchant ) has permanently suspended the customer account associated with the charge due to the fraud associated with this charge. XXXX is so adamant that the charge was fraud, that they wo n't even unsuspend the account upon request. Wells Fargo does not have the legal authority, especially with the prevailing evidence, to declare the charge as " authorized '' and especially in contradiction to my declaration that it was not. Even Wells Fargo closed my account and gave me a new card! This has been going on for months because they are committing an act of " willful blindness '' to the facts of the situation. I was legally entitled to have the charge refunded to me back in XXXX 2015! Even the merchant sees the matter as fraud, yet Wells Fargo refuses to categorize it as such. Wells Fargo does not have authority to ignore Federal Law regarding " unauthorized charges '' on a credit card! If they are permitted to do so, think of how many other times they will simply ignore people 's claims, and unjustly enrich themselves and their merchants. Now Wells Fargo is just bullying me to pay for an unauthorized charge because they 're the big bank that can attack my credit and cancel my credit card and harm me financially, instead of admitting they made a mistake from the beginning in how they categorized the dispute. It is likely if they had categorized the matter properly in the beginning, that they would have back-charged the merchant, but since they unnecessarily dragged out the process, pursuant to their agreement with the merchant, they can no longer do that. Now, to save themselves the cost of the unauthorized charge, they bully me into footing the financial bill for their mistakes ... probably because they believe the chances are slim to none that I, or anyone else for that matter, will pursue them in any significant manner if they do n't resolve the situation in accordance with Federal Law.
Product: Credit card or prepaid card

2 major issues.

1. I opened a number of XXXX XXXX card with Citi for promotional offers, I met the terms and the bonus miles were in my XXXX account. XXXX XXXX closed my account because they said citi paid out too many bonus. 

2. Some of the benefits of my citi executive mastercard which has a {$450.00} fee are free checked baggage and access to admirals club lounges. None of these benefits are being honored due to the XXXX XXXX account being closed I attempted multiple times to have citi either correct the issue to honor the benefits or close my a citi executive account ending in XXXX and refund {$450.00} annual fee. 

They just keep telling me to call XXXX XXXX This doesn't even address the hundreds of thousands of miles I lost with XXXX XXXX due to citi
Product: Debt collection

a debt collection company by the name of portfolio recovery has XXXX listed account ( s ) from different original creditors claiming that i owe debts to these companies. the following account number ( s ) are : XXXX, and XXXX. 
i've made XXXX written requests to have portfolio recovery validate that these debts actually belong to me, once on XX/XX/XXXX and a second attempt on XX/XX/XXXX. between these dates i was sent billing ledgers stating that i owed debts but no actual proof of original contracts or any documentation with my photo identification or signature on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and looks like I am responsible for a lot of credit card that do not belong to me or have my social security number on file. All those credit card except very few belong to my husband and I am

just authorized user. I do not like a fact credit card companies did that. It is wrong. It is also shows that my oldest credit line is 18 ye
ars old. This is impossible, because I live in USA just 6 years.

I will include copy of my credit report.
Product: Checking or savings account

The months of XXXX and XXXX ; I continuously found myself in the negative with several overdraft fees after checking my bank statements at the end of the day, only to wake up the next morning to the forementioned occurences. On XX/XX/2020 I ended my daily transactions with a balance of {$170.00}. I went to the PNC Bank on XXXX XXXX XXXX  at approximately XXXX and withdrew {$70.00} leaving my balance at XXXX. The next day I had a negative balance of {$79.00}. I called the bank to complain and received the same spiel as always with no logical explanation as to how my money disappeared. I then told the rep. to check my ATM transaction. She confirmed my available balance, withdrawal and decided she wanted to escalate a claim because it didn't make sense. Until this day no one has called me regarding the matter. I have several attachments of screenshots of my transactions in real time because the dates and balances change as transaction are posted. I also noticed they are processing the transaction out of order and shuffling them around making it look like I am making transaction when I don't have money in my account to cover them, resulting in negatives and overdraft fees by the time I wake up the next day. Please view attachments.