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

To XXXX XXXX I am writing to formally request validation of a debt that XXXX XXXX XXXX XXXX  claims I owe. I believe this debt is erroneous, and I want to ensure my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Debt : - Creditor : Goldman Sacs /Apple Card I am requesting the following information to validate this debt : 1. The total amount of the debt, including a breakdown of any fees or interest applied. 
2. Documentation showing that Goldman Sacs has the legal right to collect this debt, including a copy of any contract or agreement that connects me to your company.

3. Any records of communications regarding this debt, including the date of the last payment made on the account. 

Please be advised that I have the right to dispute this debt until it has been validated, and I request that all collection activities cease until I receive the requested information. If you can not provide the necessary documentation to validate this debt, I expect that you will remove any related negative information from my credit report.
Product: Debt collection

I'm anxious and feel afraid that I notice several fraudulent accounts on my credit report. I attached supporting documents to get remove these accounts on my credit report. I don't have knowledge nor consent regards to this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

I applied for an HSBC XXXX  checking account in XX/XX/XXXX using an online link that offered a {$450.00} welcome deposit. After successfully completing all qualifying activities described in the promotion, {$450.00} was never deposited into my checking account. 

Contacted HSBC several times regarding the welcome deposit in XXXX, and again in XXXX. On XX/XX/XXXX, HSBC customer service stated that the account wasn't opened using the advertised promotion and she would seek manager approval to see if an exception could be made.

Months later, {$450.00} welcome deposit has not been received and bank did not follow up.
Product: Checking or savings account

On XX/XX/XXXX I attempted to access my account, could not, and was directed to contact the bank. I did on XX/XX/XXXX, and upon doing so learned that I was the victim of a scam, and as a result my account was on hold. I asked for details about the hold and was informed there would be an investigation, which would result in a restoration of my account or the account would be closed. I was also informed that restricted actually meant locked out completely. Even previously approved transfers would be declined. I then asked if they could expedite the process and close my account immediately so I would not be harmed by late payments, and was refused. At that point I asked for documentation explaining the hold. They refused. I called again on the XXXX and XXXX and was again told they would not release my funds. 

This action is prejudicial and harmful. Since the hold was placed I have missed student loan payments, credit card payments, and was unable to pay my XXXX rent. Ally has experienced no harm. The checks were declined, and no funds were spent outside of the funds I had before the scam. Ally failed to inform me about the hold until harm had been done. The one piece of outgoing communication that I received was not sent until XX/XX/XXXX, several days after the hold prevented my payments from being paid. 

Ally claims that the worst case scenario is closing my account, but continues to refuse to do just that. While I am unable to pay bills, they continue to earn interest off my checking and savings accounts. My credit is being negatively impacted in a serious manner. While I understand the importance of investigating fraud, they have not provided a satisfactory justification for continuing to hold my funds hostage. I have offered to provide additional information about the scammers, but they declined. I have text messages, a phone number, and additional checks that I never had the opportunity to deposit, which they were uninterested in, though they would certainly aid any investigation. 

I believe they are acting in bad faith, to my disadvantage, because they have not provided a legal basis for their actions, saying only that it is the banks protocol. I would like to know what my rights are, if any, and what remedy I might seek after the fact to make me whole when Ive suffered great harm to my financial situation and credit profile. 

Thank you.
Product: Mortgage

So I got a loan modification and XXXX from XXXX help me to do it it took a year to get my loan modification done I did n't miss a payment or was I late so tired of Rushmore so XXXX called me from Rushmore today to have me send more papers to them that me and XXXX have sent to them when my modification was done we talked to a manager and they said they had very thing they needed now they want more paper work from me that have already have sent to them when I made my last complaint and I sent out the papers work out again to day XX/XX/2017 I do n't know if I will ever get my statement from Rushmore my loan # is XXXX thank u so much XXXX someone need to fire a lot of people at Rushmore the customer service reps will not let u talk to a manager and if they do they put u on hold and then hang up on you and when u call back they do the same thing so please help if u can
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Product: Credit card or prepaid card

I am trying to close my Amex Green Card ending XXXX but apparently there is some system issue preventing Amex from processing my request ( per chat representative on XX/XX/2020 ). I am trying to close/cancel the Green Card and have them mail me a check to refund remaining negative balance on the account.
Product: Debt collection

Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.
Product: Vehicle loan or lease

On XX/XX/2020, I sold my car, leased through Ally Financial XXXX, to a car dealership in XXXX, FL. Ally was paid the {$21000.00} they quoted the car dealership ( XXXX XXXX XXXX ) for the buyout of the car per their own online records on XX/XX/2020. This should have terminated our legal relationship. HOWEVER, as of today Ally 's website claims I still owe {$3000.00}. I have called Ally on multiple occasions asking why this is and was told they were just still processing the paperwork. Today I received an email saying my bill from Ally was past due! I HAVE NO BILLS WITH ALLY!! I called and they said they still haven't received some piece of paperwork from the car dealership. THIS IS NOT MY PROBLEM! They received their {$21000.00}! Our legal relationship is severed. They have also, apparently tacked on an illegal late fee. They already received the full amount money for the car. If they report my account as overdue to credit agencies I also reserve the right to sue them for damaging my credit.
Product: Credit card

This is a continuation of complaint filed with the CFPB on XXXX regarding delays in the application made in XXXX for a credit card. I called Capitol One again regarding the status of my application ( made in XXXX Called in XXXX and XXXX ). Called again XXXX. There has been no progress, despite me re-uploading ALL the requested information a week previously. This is within the time frame they said they would have responded. Of course they don't respond, they expect us to call them. I have in the mean time obtained a new credit card. Note it took like a week and none of this back and forth. I inquired what the process is at Capitol one if I terminate the application given it has never been activated. They read the standard cancellation process as if the card was active. I asked to speak to a XXXX, and got XXXX but really no other progress other than I got the addresses to mail a letter to so I can obtain a listing of what information they have and when they will delete it and to request expedited deletion as the account WAS NEVER ACTIVE. I think it is a perversity that a company can hold our personal information while never actually providing any service. They claim that is the process. If so it is a lousy process and not described in their XXXX page document of the application. And because they haven't activated the account the prior log in information ( That I was able to log in previously to set up autopay ) I can't get at the account ( get a message to call them ) to delete the autopay.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, TransUnion, and XXXX, I, XXXX XXXX, a natural person, am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. 

XXXX of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report.

Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I formally demand : Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information on other accounts. 

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering potential legal action to protect my rights. 

I expect a formal written response and resolution to this dispute within 30 days, as required by federal law. Please send all correspondence and supporting documentation regarding this matter to my contact information listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize all of these companies to pull my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Product: Money transfer, virtual currency, or money service

A person by the name of XXXX has stolen my wallet with credit card information including my phone. Hes opening accounts using my ID.. 
I received a cash app debit card in the mail, which I did not order. I looked up the account and it created with my name, but I do not have access to it. I reported it to CashApp and they have not done anything about it. The account remains active He has rented cars with different IDs so please review carefully and contact the police. He might be armed and dangerous. Thank you.
Product: Checking or savings account

Optum Bank is the custodian of my HSA. I can not access online as required-the account remains locked after several days of active effort by phone. Five years ago also, but I gave up, not needing the funds. 

{$1800.00} is available but not the {$150000.00} in " investments ''. 

I am XXXX yrs old possibly in cognitive decline. I've not learned to use computer well. All I need is reasonable accommodation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00}
Product: Credit card or prepaid card

XXXX XXXX I return the jewelry to XXXX XXXX within the time under the return policy. I call Citi Bank at the time they told me they was working on the issue. I was later put off time after time. No return call some one always going to get back to me. Wrote Citi Bank disputing the issue and had all rights to cancel the agreement. Citibank let the time run out and then call me after the fact. I had talk to them several times. 

Citi Bank does not do what they say its just the run around.
Product: Mortgage

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX XXXX our mortgage company is Carrington Montague serving LLC Account Number : XXXX. On XX/XX/2018 a tree fell on my garage. It went through the garage and through the ceiling causing quite a bit of damage. It took us a long time to find a company to do the repairs with the amount that was sent to us to repair the damages. When we deposited the check the bank deposited the amount into the account and then stopped payment because they said that the XXXX XXXX must also sign the check. ( see attached letter that the check was attached to, note the end of the letter says CASH IMMEDIATLY ) now the roof is off completely because we thought that the money was in the bank to pay the repairman.

Our premium is paid by us through the escrow account and is paid until XX/XX/2018 It is such an inconvenience to have to wait for another check to be re-issued sent to us and then sent to them to have them sign it Why they don't pay for our insurance policy we do!! insurance XXXX XXXX XXXX claim # XXXX Policy # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting on my credit report for over a year now. I have contacted the credit agency and advised that the information for this account did not belong to me and was incorrect as I had watched the information change several times in the past year. The credit agency advised that an investigation was completed and all information was verified. I had requested information from XXXX which waws never received therefore I asked for the credit reporting agency to send all documents received associated with this account that was used to verified it. The information was never received. I then asked 3 more times via certified mail and it was still never received. The amount and information on this account continued to change however no payments were made to this account from me and it had been reported as a loss but the balance changed approximately 4 times in the last year. Still to date I have not received any documentation from genesis nor the credit bureau stating that they completed an investigation. On most attempts the credit bureau stated the investigation was complete in as little as 5 days which is not even enough time to request and secure appropriate documentation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the CFPA, Consumer Financial Protection Act. Specifically, CashApp 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 is unfair and deceptive as they do not comply with the error resolution requirements under the EFTA Electronic Funds Transfer Act regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have contacted Edfinancial 5 times in the last month to be removed from the IDR plan ( {$260.00} a month ) and placed back on the Standard Plan ( {$58.00} a month ... maybe I've gotten multiple quotes all much lower then the IDR plan ). I tried contacting them once by email in mid XXXX with no reply, once by chat service around XXXX when they said they would change the plan but it was never changed, a few attempts by chat service between XX/XX/XXXX and XX/XX/XXXX, once by phone on XX/XX/XXXX when the customer service guy said he saw the previous request for a plan change was still pending and that he would do it again. He said it would take 2-3 days to process but it's been over 5 and I'm still on the expensive IDR plan. I called XXXX to follow up and was placed on hold for over 8 hours couldn't get through to anyone. So I followed up with an email on XXXX ( not even a confirmation of receipt of email was sent either time I emailed them ). I've tried the chat service multiple times between XX/XX/XXXX and XXXX and it's always unavailable. 

They did not disclose how expensive the IDR plan would be before placing me on it. I assumed they would tell me the savings or tell me I don't qualify for a lower payment. Instead they enrolled me without my permission and now they are not letting me go back to the standard plan that is more affordable. This should not be this difficult and I refuse to pay 6 times more on the IDR plan. I would have NEVER agreed to if they had disclosed how much it costs. I can NOT afford {$260.00} a month payments! I will loose my house and my job if they don't fix this ASAP.
Product: Credit reporting or other personal consumer reports

During the period I was a victim of human trafficking, fraudulent financial activity was conducted using my personal information without my knowledge or consent. This resulted in several erroneous accounts, late payments, and inquiries appearing on my credit report. 

For example, an account with XXXX XXXX was opened fraudulently, leading to financial obligations that I did not authorize or initiate. Similarly, XXXX added a utility-related account that I had no involvement with. Additionally, a late payment reported by XXXX XXXX  was an isolated incident caused by circumstances beyond my control during this period. 

Unauthorized credit inquiries, such as one from XXXX XXXX dated XX/XX/2023, further indicate misuse of my personal information. Numerous inaccuracies in my personal information, such as incorrect aliases and employer names, were also added to my credit report. 

Since discovering these issues, I have provided documentation to credit reporting agencies, including police reports and affidavits, to demonstrate that these accounts and entries were the result of financial exploitation. Despite these efforts, the inaccuracies remain unresolved. 

I request a thorough investigation into these matters and the removal of all fraudulent and inaccurate entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$20.00}.
Product: Debt collection

The bank from Victoria Secret card has called me at least 5 times a day. I told them I wo n't have the money and they call around XXXX repeatedly al day.