23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Initial contact by National Credit Systems : XX/XX/2022 - voicemail || Call to XXXX  initiated by me : XX/XX/2022 - not in office || Call initiated by me : XXXX  claims to have a debt of {$8700.00} in my name, matching my birthdate. The creditor and location, a rental unit or apartment, is outside of my state of residence and the debt includes parties I am unrelated to and unaware of. Received basic details via a National Credit Systems internal ID theft form. Agent became aggressive and combative when I refused to provide personal information via the Internal ID Theft claim, call was terminated. 
XX/XX/2022 || Email to XXXX  : Subject line " Data packet request '' Written request for debt validation - No reply XX/XX/2022 || Contacted creditor : Voicemail XX/XX/2022 || Contacted creditor : Received identities of the parties on the delinquent account, an individual of the same first and last name as myself, with a matching birthdate, and his mother. None of the other details given by the creditor, such as middle name, title, SSN or even ethnicity of any parties, on the account match my identity. I was also able to find these individuals ' social media via a cursory search and verified their images with the creditor, who had access to photo identification. 
XX/XX/2022 || Call to NCR initiated by me : Agent immediately raised her voice, becoming aggressive and insisting the only course of action was the internal ID theft claim. I insisted she once again verify the social security number on the account. After a few minutes on hold, the agent claimed that information ( the debtor 's full SSN ) was not included with the information given by the creditor, then terminated the call when I attempted to provide the information given by the creditor. 
XX/XX/2022 || Sent cease contact and proof of debt letters to XXXX  po box via certified mail. 
XX/XX/2022 || Left a XXXX  review on National Credit Systems of their conduct. 
XX/XX/2022 Received a reply to contact them via their public email address. 
XX/XX/2022 || Letters were received XX/XX/2022. 
|| Did not receive Debt Validation or any other written communication from National Credit Systems . I received another call on XX/XX/2022. I sent a follow up email to National Credit Systems with regards to the lack of cooperation in resolving this issue, and their lack of compliance with FTC and FDCPA. Following that was a delinquent report on my credit via XXXX and XXXX as of XX/XX/2022, and the debt was listed as a cosigner. 
|| Currently contesting the debt with XXXX.
Product: Debt collection

In XX/XX/XXXX, I received 2 small loans from XXXX, totaling about {$1000.00}. After 12 successful payments made on my account, I began to miss payments which caused my account to become delinquent. 

On XX/XX/XXXX XXXX emailed me via the email XXXX stating as much. I immediately reached out to find out what was going on. I was informed & verified by logging into my account that I did owe a balance of {$450.00} which I paid in full over the phone via credit card. 

The woman I spoke with assured me she was an employee of XXXX. 

When a charge to my card showed up on my bank statement on XX/XX/XXXX ( and cleared on XX/XX/XXXX ) it was not from XXXX but from a law office -- XXXX XXXX XXXX. 

I again reached out to XXXX to see what was going on, at this time I was informed that my account had been transferred to XXXX XXXX XXXX for collections and they had the {$450.00}, not XXXX. 

I was informed, in writing, that XXXX would consider my account current contingent on XXXX XXXX XXXX remitting my payment back to XXXX though was given no timeline as to when that would happen. 

In the meantime, I continue to receive calls from XXXX XXXX XXXX as well as a second collections agency -- XXXX -- both attempting to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a security freeze on my credit with Equifax. I need to temporary remove it, but I'm unable to. I have created a " myEquifax '' account which should allow me to do it through their web portal, but although I have the correct user name and password, the website does not let me log on ( " Please give us a call We can't complete your request at this time. Please call the Customer Care team XXXX '' ) and points me to the Equifax phone number for support. 

I tried calling their number to both get support with the their website or at lest lift the freeze from my account. In both cases I was required to provide a lot of information and answer many questions, but I was not able to achieve either goal even after an hour on the phone. At some point I reached a representative who put me on hold and then disconnected the call. 

I had no issue removing my credit freezes from the other two agencies, within a minute or two.
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : OPORTUN/WEBBANK- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

OPORTUN/WEBBANK has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in XXXX to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Debt collection

I was notified on XXXX via credit monitoring alert a new collection had been added to my credit report by CREDIT MANAGEMENT COMPANY for the amount of {$1100.00} with the original creditor as XXXX XXXX XXXX XXXX XXXX XXXX I immediately reached out to the original creditor and they stated they have no patient records for me nor any outstanding debt. I reached out to my insurance and checked for any potential claims from this provider and they have not found any submitted claims. 

I have never received any communication from Credit Management stating something had been placed into collections allowing me time to review & validate the debt or dispute the debt. I have no knowledge of this debt and maintain health insurance coverage.
Product: Credit reporting or other personal consumer reports

I wrote to TransUnion informing them that XXXX  closed this account on XX/XX/2024, which I am unfamiliar with and unsure why it appears on my consumer file. TransUnion received the letter on XX/XX/2024, but I have not yet received an explanation from them regarding the account. As per FCRA section 605b, it is against the law to report information on my credit report without my consent. I kindly request that they remove it from my credit report. Thank you.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on XXXX  XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey TRANSUNION I am a consumer and a authorized user on an ACCOUNT with XXXX XXXX through another PRINCIPLE DEBTOR. I do not have the authority to change that ACCOUNT INFORMATION I can only monitor my own CREDIT INFORMATION. TRANSUNION the information that you are reporting on my credit report shows inaccuracies that needs immediate repair as it has to do with commerce and or trade. On a credit card account under a open end consumer credit plan 15 USC 1666b timing of payments a creditor shall not treat a payment late for any reason. TRANSUNION permissible purpose from the consumer was never given in order to furnish this inaccurate information which shows a breach of privacy and willful negligence to treat the consumer fair and equitable. Posting 9 late payments from XXXX XXXXXXXX is not treating the consumer fair and equitable that is defamation of consumers character when all obligations are of the United States pursuant to 18 usc 8. XXXX XXXX AND TRANSUNION THIS ONLY IS REQUIRED OF MY CREDIT PROFILE AND PRIVATE NON PUBLIC INFORMATION I DO NOT SPEAK OR ACT FOR NO OTHER PARTY ONLY MY PRIVATE NON PUBLIC INFORMATION THAT IS BEING REPORTED ON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint recently against XXXX, i has ask XXXX to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my XXXX credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have XXXX remove these remaining inquiries I do not recognize
Product: Credit reporting or other personal consumer reports

I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : 1. Incorrect Name/Address : XXXX XXXX XXXX 2. Incorrect Name/Address : XXXX XXXX  XXXX 3 . Incorrect Name/Address : XXXX XXXX XXXX 4. Incorrect Name/Address : XXXX XXXX 5. Incorrect Name/Address : XXXX XXXX 6 . Incorrect Name/Address : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : 1. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 2. Account Name/Number : XXXX XXXX  XXXX XXXX 3. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 4. Account Name/Number : XXXX XXXX 5. Account Name/Number : XXXX XXXX 6. Account Name/Number : XXXX  XXXX XXXX 7. Account Name/Number : XXXX XXXX XXXX 8. Account Name/Number : XXXX XXXX  XXXX 9. Account Name/Number : XXXX  XXXX XXXX  XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am failing a complaint against cash app block Inc ] due to inaccurate customer service and unfair practices which bad lays the customer, financial protection act, CFPA. specially, cash app failed take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, their dispute process was unfair. Deceptive. As they did not comply with error. Resolutions require under. Electronic fund. Transfer act. EFTA. And resolution E. These actions has caused significant inconvenience and financial loss and I seek the appropriate redress for those violations
Product: Credit card or prepaid card

XX/XX/XXXX, Barclays informed me that my account can not be maintained by myself, that my card can not be reported lost, I could not receive a new one, request a new due date nothing at all my legal representation would have to do so. 
They informed me that the representation took place in XXXX XXXX around the first time a complaint was submitted against them for fraudulently reporting to the credit bureau. 
They informed me they stopped the card but I could not get a new one, however I can make payments on my account that is it. 
There was never ever any legal representation hired or letter provided as they state as of XX/XX/XXXX, but only a complaint filed through consumer protection. They tried to bully me into writing a letter stating it has been lifted however a complaint was filed against them in XXXX for this reason and by me writing that letter would show fraudulent complaints through here and refused to do so They have illegally reported late payments They have not changed my due date from the first of the month and I have been asking since XXXX, telling them the first wasnt possible due to the pandemic They illegally penalized me for writing a complaint against them through consumer protection agency They would not legally allow me to maintain my account due to a rep having a vindictive vendetta against me They have illegally told me they would not give me a copy of the representation on my behalf and I didnt have the right to know who was representing me even though I have explained no one had been hired to do so Theyre rep told me it was in collections legal due to a payment being given to them through a law firm but could not provide the date of transaction because it never happened They have told hung up on me four times tonight and finally have had a rep tell me its NA written next to it and it has been removed but will take 48 hours for me to call back to request a new card They have illegally reported falsely to the credit bureau that in XX/XX/XXXX my account was over 3o days late when a payment was made on XX/XX/XXXX and due on the first theyre bullying me out of late fees now for 6 months plus never allowing me to change a due date thats never been changed due to representation on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Items and remarks were removed from my credit report 1 week ago. No notification was sent. No updated credit report was mailed. The information reappeared on my report with no notification. I have contacted the company and they confirmed that the information was indeed no longer on the report.
Product: Credit card or prepaid card

I received a 0 % interest offer for a 15 month period. I applied requesting several balance transfers equating to over {$10000.00}. It was denied but I was given a {$1000.00}. credit card line of credit. 

I thought that was the end of it but then received a letter from Wells Fargo stating they had initiated a {$650.00} transfer. This is not what I requested and is not helpful. The intent with the balance transfers was to reduce my payments each month, not add another. By completing a partial balance transfer it has resulted in another payment and has only reduced a balance slightly. I did not approve nor do I want this transaction. Partial balance transfers are not helpful. 

In addition they charged a {$19.00} fee to conduct the transfer. 

My attempt to resolve their error was refuted stating it is complete. 

I did not approve a partial transfer. They are unwilling to correct their error so I am seeking outside arbitration for resolution. 

Thank you
Product: Checking or savings account

This a major issue with CashApp. 

On XX/XX/XXXX, at XXXX XXXX, I received an email that CashApp balance was negative. At XXXX, I received an email that the portion of my payroll that goes to CashApp was returned as the deposit failed. When I logged into the account at XXXX, I saw that the account was closed as of XXXX XXXX due to violating their Terms of Service ( TOS ). I instantly went to the CashApp chat assistance and as of XXXX XXXX, still haven't heard from them. 

As soon as I arrived at work, I went to my HR department and together we called our payroll servicer. They said all processing went through as planned, and sure enough, the other portions of my pay check as allocated all went to the respective banks without issue, and as of XXXX XXXX, there was no notice of rejection of the pay to CashApp happening. 

I then called CashApp from my office and they require a call back, which just occurred, but what a waste of my time. The representative could tell me nothing. Claims that he can't see the deposit in the account being reversed ( I took screenshots in case they tried to say it never happened ), and could not tell me what part of the TOS was violated. I simply use this account for a portion of my payroll, to accrue some savings, bitcoin, and buy things, there is nothing nefarious going on in my account whatsoever. Rep told me the CashApp AI system makes all determinations and that's all he could say and wish me well.

So, now I have multiple issues.

1. They closed the account without any notice and refuse to explain why the account was closed.

2. They took the small savings I've been accruing from purchases and transferred it against what is now a negative balance because I had already used part of the {$500.00} so when they reversed it, the account went negative and they applied the savings against this. 3. I can't get
the {$35.00} in Bitcoin out because it won't let me transfer it to another wallet. I can only cash out which I don't want to do.

4. The reversal of my pay is in no man 's land now. CashApp claims it never happened nor was received, meanwhile my HR department and our payroll processor says the payment went through and there has been no rejection and return of funds.

I need help getting answers. I don't care that this account was closed, I'll simply delete it from my direct deposit and walk away from it and continue with my traditional banks, XXXX and XXXX. But the theft of the small savings, not being able to move the BTC, and the missing pay, that all needs to be fixed. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of XXXX Late Payment from Credit Report, Account ending XXXX I am writing to you today to request your assistance in rectifying a recent discrepancy on my credit report. 

This card had a fraudulent charge on it from XX/XX/XXXX for a single transaction of {$2000.00} to XXXX XXXX. I was unaware there was a balance on the account until it reported past due. At which time I contacted XXXX through the online chat to dispute the charge. I was told the dispute was submitted but the charge never came off my card and the late charge never removed. I reached out again through online chat and they said they never saw the original dispute and it was now too late to dispute the amount. I made a request to view the transcripts on the chat with the previous representative, but they were unable to provide that. 

The dispute has concluded in my favor and a new account has been issued. The 30-Day Late Payment from XX/XX/XXXX has been removed from my XXXX and XXXX Report but is still reporting on my Experian Report.