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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries were placed on my credit report without my written authorization, which qualifies as identity theft under the FTC 's definition.
Product: Debt collection

I received a letter from a debt collector XXXX XXXX XXXX on XX/XX/2023 and I responded asking for debt validation because I don't know this company writing me telling me I have money for them, then I got another letter from Resurgent Receivables LLC on XX/XX/2023 responding to me about same alleged debt owing to them and I was not provided with my request documentations for my validation. I then again sent second letter requesting for all those documentation I previously asked for to validate this alleged debt, then I received another response from a Resurgent Capital Services on XX/XX/2023 which again XXXX not get any documentation to properly validate this alleged debt. I then wrote a third letter attempting to request for those documents once again to properly validate this alleged debt and I let them now that If they can not provide these documents they need to cease and desist from contacting me. 
After I disputed this item they went and posted it on my credit report on XX/XX/2023 I saw it on my XXXX and XXXX report which is a clear violation when an item is in dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Five years ago, I did take out a loan with Credit acceptance. Unfortunately the past two years, I have had significant health challenges that led to my need to create payment plans. There were several times that I spoke to credit acceptance and the representative did in fact say that as long as the payment plans were in place, I would not have a mark on my credit. However, upon reaching out to the XXXX, the representative in compliance, better known as " Z, '' called me. She was extremely abrasive and informed me that she would not review all of the calls and would not make any changes. Additionally, she said that she didn't believe that the XXXX dispute said that the company would make changes. I know that this company is a sub prime lender but at the time, I was in college and needed the loan. Please help as this is the only thing that is derogatory on my credit.
Product: Mortgage

My Heloc loan went into Foreclosure due to missed payments and increased taxes and insurance. I requested a loan modification however it was denied. The lender told me verbally over the phone when I called in to check the status,. I requested a reinstatement that I received via email on XX/XX/year>, when I was told I would receive it on XX/XX/year>, The wire was sent XX/XX/year> @ XXXX. I provided the lender with the confirmation number and details of the wire but they keep insisting that they have not received it and could not postpone auction. Thank you.
Product: Money transfer, virtual currency, or money service

I sent money via World Remit ( bank transfer ) on XX/XX/2020 to XXXX ; money was intended to support my family during this COVID19. Transaction amount is {$220.00}, amount taken from my checking account. I have all my records for this transaction. This was my third transaction with World Remit for the same recipient using same bank and account. Previous two transactions went well, no issues money was received on time, instantly. However, on this third transaction, money has not been received until today XX/XX/2020. I have been contacting World Remit since XX/XX/XXXX but issue has not been resolved. Long waiting time on phone, about 45 minutes or more. I exchanged several emails and online chats with their customers representatives and yet there is not a clear answer. The first time, I called, World Remit, they explained their procedure and requested me to send a bank statement of the receiver and my ID, which I did. They confirmed receiving documents and said working to resolve the case. I asked them to either release the money or refund it back. There is not any help and I feel like I have been scammed this time. Please, I need your assistance. 
Thanks,
Product: Debt collection

I am writing to demand the immediate removal of fraudulent account from my credit report. Unauthorized account have been opened in my name without my consent or knowledge, constituting a clear case of identity theft and a violation of my privacy XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have been reporting false accounts on my report, therefore tarnishing my reputation. All of the alleged debts are obligated to be paid by the United States pursuant to 18 usc 8. These accounts are not mine to pay, therefore need to be removed immediately.
Product: Credit card

Bank of America Claims Resolution XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Claim Number : XXXX In reference to your response to the BofA letter dated XX/XX/XXXX regarding Claim number : XXXX in the amount of {$470.00} on my business account ending in XXXX, they are factually incorrect in denying this claim as BofA not being notified within 60 days. This error originated under Claim number : XXXX dated XX/XX/XXXX in the amount of {$3400.00} and included reimbursement for several fraudulent charges against my business credit card now ending in XXXX ( the previous card was cancelled ). These charges included XXXX {$880.00} ( XX/XX/XXXX ) ; XXXX XXXX {$450.00} ( XX/XX/XXXX ) ; XXXX XXXX {$450.00} ( XX/XX/XXXX ) and XXXX {$800.00} ( XX/XX/XXXX ). BofA provided a temporary credit in the amount of {$2500.00} of which XXXX was attributable to XXXX. XXXX subsequently reimbursed BofA {$59.00} ( XX/XX/XXXX ) and XXXX {$260.00} ( XX/XX/XXXX ) for which I have a letter form BofA dated XX/XX/XXXX. BofA then subsequently charged {$470.00} ( XX/XX/XXXX ) and {$320.00} ( XX/XX/XXXX ) to my account stating that these accounted for duplicate credits. This is where the error originated as the {$470.00} was never reimbursed by XXXX and therefore is not a duplicate credit. I requested a letter from BofA showing where the merchant ( XXXX ) credited BofA and never received it. 

I notified BofA several times concerning this accounting error. I have spent over 4.5 hours detailing this error in several calls to the BofA. I spoke with XXXX in TN on XX/XX/XXXX for over 1 hour who assured me that this error would be corrected. I spoke with XXXX on XX/XX/XXXX for over 1 hour who escalated to claims to get it resolved. I spoke with XXXX, XXXX and XXXX from TX for several hours with XXXX assuring me once again that this would be resolved. I received a call back from XXXX on XX/XX/XXXX assuring that this error would be resolved and to await my next bank statement to see the correction as we couldnt speak with anyone in Claims as they dont take calls from customers. After reviewing my XXXX statement and noting that the error hadnt been corrected, I then called and spoke with XXXX on XX/XX/XXXX who recommended submitting a new claim in hopes of finally resolving this issue which is represented by the subject claim which BofA is now denying as over 60 days beyond when the error occurred. 

To date this issue has not been resolved with BofA which is now refusing to recognize my claim for the {$470.00} for which they are the culprit. BofA is expecting me to pay the {$470.00} as it reflects in my business credit card balance.
Product: Debt collection

I Consumer XXXX XXXX entered into a consumer credit transaction with Carvana, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carvana took cash. The finance charge is supposed to include insurance, but Carvana made me purchase insurance separately.
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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

called Experian XXXX  back in XXXX, again in XXXX again XX/XX/XXXX and XXXX and I already spoke with XXXX XXXX that can confirm that my bills are being paid on time. At the time of this complaint my credit score is XXXX, I upgraded my credit card ending in XXXX to a XXXX XXXX  ending in XXXX on XX/XX/XXXX, this is over three billing cycles and still the XXXX card is on record, not the XXXX XXXX XXXX  their show I havent made a payment in 90 days and they change the mistake thats on there end, there XXXX  specialist never get back, now they want to drop my XXXX XXXX, need help.
Product: Debt collection

On XX/XX/2024 my father was contacted by a debt collector in regards to a debt I owed. Rather than tell my father about a debt the man XXXX told my father that this was very important and if it was him he would want his daughter to know. I returned XXXX phone call immediately. XXXX said I owed a debt to a college which I believe to be untrue. I stated as much and told him I didnt believe it was okay to make my father believe this was important and XXXX began yelling at me. XXXX yelled at me for several minutes. I was not able to ask anymore about the debt because of his aggressive behavior.
Product: Debt collection

AT T U Verse sold the account to another company and I hired XXXX XXXX XXXX to resolve the issue IN XXXX. Years ago, I spoke to ATT 's Corporate office and resolved the issue of {$140.00} and change. My God, {$140.00} and change. I have emails from the representative regarding the issues. I'm not sure why the account went to Collections. While working with XXXX XXXX XXXX, this account was resolved and closed, it should have been removed from my credit. As I explained to I C System, I never owed this money and it was resolved. I disputed this with XXXX and it was removed from my credit. Why is this foolishness still on my credit report and has been for months. I've disputed this with XXXX several times, and XXXX refuses to remove. Remove this and I do not owe it.
Product: Debt collection

MoneyLion Inc. has been reporting on my credit file a collection account I have no knowledge of. I have disputed this collection account via XXXX dispute center several times, most recently XX/XX/2020 and XX/XX/2020. My disputes are going ignored and I never receive either the debt verification letter I ask for or a debt validation letter. Instead they continue reporting this account which I never opened and they report different balances after every dispute. For example, they reported a balance of {$290.00} in XXXX, 2020 but later updated it to {$260.00} on XXXX, 2020 and they have been reporting a balance of {$300.00} since XXXX 2020. I do not own this account and this company is avoiding the law continuing to report it to my file without verifying and/or validating this debt. after multiple disputes.
Product: Credit reporting or other personal consumer reports

I am having issues with the credit bureaus lack of investigation and failure to respond in 30 days. I contacted them due to errors on my reports that I noticed while looking to apply for a car for my son. I noticed several inaccuracies and reporting that needed to be corrected or deleted. I have provided them with more than enough of my personal information and documentation for them to validate my concern. I also contacted the creditors and they have not conducted an investigation either. I recently filed complaints with the XXXX  and FTC and will continue to shine light on their lack of attention to detail and treating consumers concerns like we don't matter. It is urgent that this gets resolved as soon as possible.
Product: Credit card or prepaid card

In XX/XX/XXXX I was going to bank of America to withdraw my money it was on a friday when I noticed it only had a few hundred on it. I then drove back to my job because i thought i did not get paid all of my money but no one from downtown who handles payroll was there due to holidays .Thats when I asked one of my coworkers werent we suppose to have gotten payed today they stated we got payed the day before which i did not know but that still doesnt explain why I did not see the amount I saw on my paystub.So I called the bank of america hotline and thats when they stated I removed {$720.00} dollars using XXXX at first I thought it was a city, so I searched XXXX.First I asked Bank of America to cancel the card and any thing that look unnormal, on the card was still the 300 and something dollars from when i got paid .Thats when I saw XXXX by the name while I was searching and then I noticed messages I did not send and it was from someone in XXXX asking XXXX to send it to the address they posted for XXXX .I then quickly saw that the order had not been processed so I messaged the XXXX   person/people to cancel the order that was not XXXX XXXX that made the purchase and I noticed another order for some head phones and canceled those as well .I copied the address, page, the items, and everything with the claim number on it and faxed it to Bank of America and showed them the fraudulant act .After I then filed a police report and filed an identity theft report as well .I faxed the police report to them and Bank of America stated it looks like you were the one who ordered it because of my information on my XXXX account my name my address and info .As I was told by Bank of America if there is no name to go by there is nothing else that they can do, so they charged me XXXX after they credited me the money, because they had no one to go by .Thats when I tried to go to XXXX and open a bank account, so that I can finish the dispute with Bank of America with out using their service due to how I was treated and to take further actions and also to build credit.Thats when XXXX stated that my social security number had an account with them but not my name and was made in XX/XX/XXXX, so they gave me an Identity theft packet to go threw and procedures and I completed it.So Im trying to figure out a way to just get my money back that was stolen from me using XXXX on XXXX threw a Bank of America paycard that was not even connected to my XXXX account.
Product: Checking or savings account

On XX/XX/2018 there were two unauthorized transactions placed on my debit card followed by five large ATM withdrawals ranging from $ XXXX- {$1000.00} leaving my account in the negatives ( with the inability to withdrawal anymore ).  Once I checked my online banking, I noticed my card was missing and I immediately called Bank of America and filed in a claim as well as a police report. The bank eventually closed my account and denied my claim stating I said I wrote my pin number down when it was clearly stated in my police report and verbally stated over the phone that I did not write down nor give my pin to anyone. The bank reconsidered my claim and once again was denied based on reasons they would not disclose to me. I asked for my claim to be reconsidered for the third time, begging to speak to any investigator who was working with the claim and again it was denied as a final decision. Bank of America claimed that someone called in asking for an increase in the amount that can be withdrawn. I never approved of this nor was I aware of this until after the matter. I have asked multiple times for the ATM cameras to be pulled as well as the voice recordings per telephone calls.
Product: Checking or savings account

I AM A MEMBER WITH NAVY FEDERAL FOR ALMOST XXXX YEARS AND I WAS ALWAYS CHARGED WITH OVERDRAFT FEES MY PERSONAL AND JOINT ACCOUNT WITH MY HUSBAND BUT THEY TOOK A LOT OF MONEY FROM US. IT IS KINDA SKETCHY I KNOW THAT THERE IS MONEY ON MY ACCOUNT BUT NOT SURE WHAT IS GOING ON BUT A LOT OF MONEY WAS DEDUCTED ON OUR ACCOUNT. It HAPPENED FOR A LONG TIME. PLEASE INVESTIGATE AND FIND OUT WHAT THEY ARE DOING WITH PEOPLES MONEY.
Product: Credit reporting or other personal consumer reports

I did not give consent/permission to run my credit I am writing to notify you of my election to have my name and address excluded from any list provided by your agency under subsection ( c ) ( 1 ) ( B ) of the Fair Credit Reporting Act in connection with credit or insurance transactions that are not initiated by me. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently the below accounts disputed the accounts with the credit bureaus and they have respond back that the accounts are verified but can not provide me with any proof of accounts being verified and reported 100 % accurately and complete. I have respond with asking for the method of verification and they have respond with No Method of Verification just resent the report refusing to re-investigate. I have also contacted the original creditor they have respond with no proof.
Product: Credit reporting or other personal consumer reports

I became XXXX XX/XX/year> and utilized the credit protection that I pay for monthly on the account ; however, account is showing 30 days delinquent on my credit report, due to not being able to utilize the credit protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Product: Debt collection

XXXX broke contractual agreement, I was no longer obligated to pay. XXXX then sent me to collections. I paid the debt to XXXX XXXX XXXX XXXX Debt collectors then put my account on debt collection and attempted to collect {$190.00}. I requested a validation on XX/XX/XXXX and waited 30 days. They have yet to remove the negative mark on my account as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries only. Dating back onXX/XX/XXXXuntilXX/XX/XXXX.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 2 times XX/XX/XXXX & XX/XX/XXXX 6. XXXX 7. XXXX 8. XXXX XXXX XXXX I 've noticed many unknown inquiries surfaced on my credit report while I was out of the country for long period of time. When I got back in to town and checked my emails I 've gotten several alerts from an Equifax monitoring product I purchased & noticed XXXX inquiries. This has literally been the 30th time I 've sent out certified letters that I had to pay out of my own pocket, documents over to the equifax headquarters seeking some help, phone calls and was hung up on by several customer agents in the Consumer Dept both male & female. They we 're very disrespectful. I have been a victim of identity theft in the past. Equifax is aware of the errors of inquiries on my credit report but refuse to do anything about it. Well since they 're not doing their job I 'm going to make sure that I file a lawsuit against Equifax and various companies. I contacted each company but no one respond with no documents, no validation of any signatures, no possible way a verbal verification holds up against The FCRA, I know my rights and it 's been more than a month ago errored inquiries reporting.
Product: Credit reporting or other personal consumer reports

Several credit cards have been taken out in my name that I have no knowledge of. The account are as follows.XXXX XXXX XXXXXXXX opened XX/XX/XXXX for the amount of {$2000.00}. XXXX  XXXX opened XX/XX/XXXX for the amount of {$450.00} which is now in collections. This complaint is being filed to request pursuant to FCRA that you the TransUnion credit reporting agency block information appearing on my consumer credit report that is a result of fraud and identity theft within a reasonable time frame of you receiving in this complaint. These accounts have resulted in several hard inquiries and collections on my FICO score profile. My FTC case number is XXXX for reference.
Product: Student loan

MOHELA was required to transfer my repayment plan to save after the public health deferment ended. My account was initially in the save plan. I received documentation from MOHELA stating that my recertification of income would not be until 1 year after the public health emergency forbearance period ended which would put me around XXXX to XXXX of 2025. I contacted the servicer who initially put me in for forbearance for what was supposed to be 90 days why they were analyzing why they incorrectly serviced my alone. Instead they have now taken me out of forbearance and removed me from my income driven repayment plan that I was already enrolled in. They did not even send me an email regarding this. I only found out by logging into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax employees over the phone both explained how the investigation process works. They both said that they send the collection agencies the disputes and they have 30 days to get it back. I asked them what proof did they get from them and they all said it is whatever they transmit to them on tape. I asked them about my signature on a document. They both said no. They only have to look on their computers and check if it sill shows. Well I told them does that I can open a XXXX and XXXX and report they are delinquent with me for millions as well as Equifax and XXXX. When XXXX calls me I can say yep, they still owe me but I can settle for 80% of the millions they owe me! They both offered me to provide a consumer statement. I said XXXX to both of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!