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

Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time this debt is close to being removed from my credit report, a new debt buyer appears. I am unable to determine which of the many reporting companies actually holds the original debt. Despite reaching out to all of them, I have not been able to verify its origin. The original debt dates back to XXXX, but it is being inaccurately reported as a XXXX debt. This misrepresentation is inflating my debt-to-income ( DTI ) ratio and extending the time this debt remains on my report, effectively violating the statute of limitations for debt reporting.
Product: Student loan

I received loans beginning in XX/XX/XXXX and had to take a break from school in XX/XX/XXXX because my grandmother was XXXX. In XX/XX/XXXX, I had my son XXXX and he was XXXX for 6 weeks, I took another break to focus on him. During the second break, I did n't know that the loans that I got in XX/XX/XXXX would not be in the 6 month grace period, as the other loans were. I did not receive or open any correspondences during that time frame. Once I realized the loans were becoming due, ( I thought all were in the grace period ) I contacted Navient to find out what I could do. At that time I was told about the income based repayment plan. The loans from XX/XX/XXXX are reporting late payments and I was unaware that I was supposed to be making payments or that I had any options. I have contacted Navient, who told me that although the see I did n't open any emails, I called the automated system from a number they had on file, so they could n't remove the late payments. I honestly do not remember calling them and not speaking to a rep. That would defeat the purpose of calling and I would have spoke to someone, if I would have known I had a balance due, to prevent something like this from happening.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX  XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX  XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account
Product: Credit card or prepaid card

On XXXX I made 2 orders from XXXX via Cashapp. There was a pre-authorization hold placed on my account at that time. The order transactions have been fully completed but due to an overcharge on the holds I now have 2 " pending '' transactions on my cashapp account that Cashapp is totally refusing to deal with or handle. They keep telling me to contact the merchant ( XXXX ) which I have done SEVERAL TIMES and have been given proof that the merchant has sent cashapp the codes required to release these holds from my account. Said proof has been given to Cashapp SEVERAL times and they are STILL refusing to release the " pending '' transactions and put the money back into my account. This is an ongoing issue with Cashapp and several thousand customers are having this same exact issue, as proven by complaints with the XXXX  and several other agencies. This needs to be handled and Cashapp needs to held accountable for their failure to handle customer complaints, and their failure to properly handle their customer 's money. 
Attached to this complaint are screenshots of the conversation ( every one is copy and paste replies from them on the SEVERAL times I have attempted to have them handle this )
Product: Checking or savings account

Attached are the fees associated with my account going back to 2020, as that was the furthest back I could go with an online search. 

You will notice that until the XXXX  XXXX XXXX Lawsuit, the overdraft fees were called Returned Check Fees. After the moratorium during the XXXX  XXXX XXXX Lawsuit, they changed the name of the fee to Insufficient Funds. 

You will notice that many of the Insufficient Funds or Returned Check Fees are same day fees. This is for two reasons : ( 1 ) they are repeat fees for additional attempts from the same business or ( 2 ) they were incurred as a direct result of reorganizing the transactions to ensure maximum fees incurred.

As a direct result of the bank participating in these ethically questionable practices, I have been unable to maintain my checking account balance. 

In XXXX, last month, after I received three charges for the repeated attempt to process a payment from an autopay company through XXXX, I immediately went to my XXXX account and removed all autopay companies in the account. 

It happened again this month, despite my effort to ensure the fees weren't incurred again. 

Please advise.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

i am attempting to settle this debt but the agency it has been placed wont accept a reasonable settlement offer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me
Product: Credit card or prepaid card

Payments duplicated for XXXX and auto-retry withdrawn from my checking account and funds never applied to the balance on the credit card. as well one payment of XXXX and XXXX auto retried and never show a positive balance on the credit card account but withdrawn from my bank,
Product: Credit card

I purchased a {$75.00} Amex prepaid gift card as a gift for my son. When my son tried to use the card he was told by the cashier that the gift card was never activated when purchased. I have been in contact with Amex numerous times to resolve the situation. Each time I have been in contact with Amex they have thwarted my efforts to recoup the money. I sent Amex clear photocopies of the gift card and receipts. They even ask me to send them a copy of the store journal which I went to the store and they had to contact their corporate headquarters. I followed up by fax and mail ( certified ) with very clear color copies only to be informed again that the documentation was illegible. Amex is giving me the BIG RUNAROUND after attempting to recoup my money. I have reviewed these gift cards only to realize that many people have the same problem. Please help. I have exhausted my options with Amex. I have documentation to send if you would like to review. Thank You ... ..
Product: Credit card or prepaid card

My wife received a phone call stating that her Amazon card was being charged without her knowledge. Amazon was called and there were no such charges. The number they are calling from is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I got a free copy of my credit report from annual credit report, and theres are multiple requests for credit that I never applied for or gave permission for and I don't understand how or why they are on my credit report. My fear is this could be a sign of attempted identity theft, I have done fraud report on the FTC website and identity theft reports on the goverment website. I am also putting fraud alerts on my credit and I have signed up for credit monitoring service so I can make sure to be notified if this happens again. I have done research and I've found this under The Fair Credit Reporting Act law. ( 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ). That is what I'm doing, I'm requesting to have all these fraudelent credit inquiries removed from my credit report. As I said I didn't apply for anything, sign anything or give anyone permission to look at my credit for any reason whatsoever so these inquiries are unauthorized. I called Equifax Credit Bureau and explained everything to them. They told me I had to contact the companies that did the credit inquiry to have it removed. So I did what they said, I called the phone numbers listed with the inquiry and explained to them that I wanted them to remove their unauthorized credit inquiry from Equifax. They all gave me basically the same exact response, we can't remove the inquiry you have to call Equifax, only Equifax can remove the inquiry. So I then called Equifax again and told them what the companies said, and they refused to help me. So I did more research and found that I could file a complaint with CFPB over companies not following the law, and have the CFPB contact XXXX XXXX and have them remove these fraudelent credit inquiries. I don't want to get anyone in trouble, I just want them to stop violating my rights under Fair Credit Reporting Act law.
Product: Debt collection

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card

I 've had an item on my credit bureau investigated twice now for a cc that is showing up but not mine. They cc company refuses to give me any information regarding the account but claims it to be mine. I 've never made one of the payments showing up and they wo n't verify to me where the statements are being mailed or where the payments arecoming from. How are they aloud to do this. Its on my report, has not been removed but I ca n't have any information regarding the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX. This situation has left derogatory marks on my credit report. I submitted a self-attestation letter signed by a dedicated organization for XXXX XXXX survivors. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX upon filing an official claim. It has been far past 4 days and I would like it removed.
Product: Vehicle loan or lease

I am trying to make a payment on a new loan. The loan is not " booked '' yet is the term the respondent 's employees use. I was advised by an employee by the name of XXXX that if I supplied my application number which is XXXX that I would be able to make a payment after supplying that number to their " approved application department. '' I verified that the dealership has been paid by the respondent. Unfortunately, the respondent is engaging in dilatory practices and is refusing to accept a payment.
Product: Credit card or prepaid card

We had a balance on our Citi card of over {$2300.00}. We decided to pay off the credit card. The statement dates are around the XXXX of the month. We paid the balance shown online on XX/XX/19. The payment was posted XX/XX/19. On XX/XX/19 they posted an interest charge of {$13.00}. My understanding of state law is that interest can not be charged on a credit card if the balance is paid off prior to the next statement date. I contacted Citi via online chat with someone named XXXX. She stated that they can charge interest on an account until the account has had a XXXX balance for two consecutive statements. Since they are obviously charging interest after a zero balance, the card can NEVER be paid off because they will continue to charge interest on the interest being charged daily. If I get a statement on XXXX and immediately pay off that balance, they won't post that payment until XXXX, so they've charged AT LEAST one day 's interest that will show up on the next statement. I can never have a statement with a zero balance.
Product: Debt collection

The following account I have been disputing for years. It does not belong to me. 
LNVN FUNDING LLC # XXXX
Product: Mortgage

My father XXXX XXXX XXXX XXXX in 2014. We did not settle his estate through probate. His surviving spouse has been living in the home that my sister and I shouldve inherited 2/3 of. The wife isnt on the deed or mortgage. 
The bank, XXXX XXXX, foreclosed on and sold the house through statutory foreclosure. 
The only person they notified of the foreclosure was the spouse. 
The bank did not try to settle the debt with estate. The only person they contacted was the spouse. She is not the executor of estate nor is she the representative.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are several fraudulent accounts were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... ) because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit card

I have contacted Capitol One to get this 30 day marked removed via goodwill intervention. They claim they ca n't do that but I had another company removed a 30 day mark via courtesy, I was credit reported for {$3.00} which I do not think its fair. I have been a customer for almost 10 years and I advised them on numerous occasions I was a victim of identity theft. I spoke with XXXX XXXX Firm who specializes in credit issues and they advised me that creditors can remove it via goodwill intervention, they state Capitol One should remove it and not sure why credit card companies tell consumers that negative marks ca n't be removed. I need the credit marked removed so I can obtain a lower percentage loan so I can pay off some of my higher cost loans such as my credit cards that have high APRs. Some of the time I get people that can barely speak English. I am an American I need to speak with a rep that I can understand. What Capitol One is doing is unfair, I only have XXXX-30 day mark and they clam it ca n't be removed when I know the truth.
Product: Checking or savings account

On XX/XX/XXXX a third party sent themselves XXXX from my phone on accident showing me how to send money. Said partys account was negative XXXX. I immediately contact the bank try to get it reversed they said a dispute will be filed and it takes up to ten business days the next day I get a response that after reviewing nothing seemed out of the ordinary they wont reverse the charge dispute closed. I plead that I am a sole provider to XXXX Childeren XXXX is a major lose with bills and expenses left and right nothing has been done yet I cant file another dispute most help I can get from the bank is they say theyll try and get the dispute team to respond back to my email. I never physically or verbally authorized the transaction I feel my bank should of just helped me out people make mistakes were human
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGIN Subject : Cease and Desist Request for Deletion of Collection Account Dear BOUNCE AI, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX