23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was selling a dress on XXXX and " XXXX '' sent me a message asking for pictures to be sent to her email address. We then began communicating via email and she said her daughter wanted the dress and that she could only pay through money order. A couple days before it arrived at my address, she stated her husband mixed up their bill payment ( money order ) with the one for me. The amount I was supposed to recieve for the dress as XXXX dollars although te money order came with {$850.00}. I deposited the money order and waited for it to clear into my WSFS bank account before sending the remaining " bill money '' back to her. They did actually show up in my account which is the only reason I sent the money over. Using XXXX, I sent her the remaining funds {$770.00} to her zelle account which is also through WSFS. A couple days after that I looked at my account and noticed the money had been removed by the bank due to them realizing it was fraud check and I discovered the XXXX for the money order was actually my money being removed since the check was fake. Not only did WSFS deduct additional funds but I could not recover my funds from the buyer, XXXX, or the bank. This was the remainder of my savings and was also bill money now I am behind on all my bills. There was also another person fowarded in the emails called XXXX?
Product: Mortgage

I paid the XXXX XXXX and XXXX XXXX property taxes the last week of XX/XX/2023 and informed Fay Servicing in writing with proof ( canceled bank checks ) on XX/XX/2023. 
Fay Servicing claims that they have paid those taxes in question and are charging me for it. I have emailed them as well as messaged them several times through their website, however, they have not made any adjustments to my mortgage payments to reflect that I have made these property tax payments myself.
Product: Checking or savings account

I have an XXXX account which is through XXXX via XX/XX/XXXX. On XX/XX/XXXX, {$250.00} was taken out of my account without my authorization. After 13 calls the bank is unable to find out where the dollars went and have since locked my account from me getting my money. I have no access to the dollars and they can not explain where the {$250.00} is.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit file today with TransUnion and noticed I have 3 unauthorized inquiries for a company called XXXX XXXX XXXX and two are from XXXX and the other in XXXX. I have no idea what XXXX XXXX XXXX is not have I ever done business with them. I have had identity theft problems for the past three years as TransUnion is well aware of. I have filed an Identity Theft Report as a result of the unauthorized inquiries. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b, Credit Report, Drivers License, and Social Security Card.
Product: Checking or savings account

On XX/XX/22 at XXXX, I received an email congratulating me on opening a new checking account with Truist Bank but I never opened a checking account with this bank. I called the bank but their customer service line is down until Monday on XX/XX/22, which is a holiday. I wanted to get a head start on this report before someone spends money in my name and I an held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX account # XXXX, has 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to refinance my home but i have accounts that are reported on my credit report that the credit bureaus won't remove.
Product: Checking or savings account

I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact one of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about 2yrs now...
Product: Debt collection

I never had a XXXX credit card and never lived at the address PORTFOLIO RECOVERY claims I did. They will not provide any proof beyond an account balance with this false address and a statement that they purchased the debt. I have even challenged it with the three credit bureaus and still not getting anywhere. How do I prove this isn't mine and shouldn't they have to prove it is mine?

I have only lived at the two addresses provided in the attachment and before that I lived in XXXX Virginia.
Product: Payday loan, title loan, or personal loan

XX/XX/23 I contacted the company to let them know that I was experiencing economic hardship that I can not afford to pay every two week..They ach debit my account on a Tuesday in which it put me in the negative with nsf charge. 
XX/XX/23 I contacted the company again with no solution they are just ach debit my account with more nsf charge..
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my report does not belong to me and I disputed it but was unfairly resolved against me XXXX XXXX XXXX AC # XXXX REPORT NUMBER XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge I do not have any outstanding debt as its being reported.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( " CFPB '' ), I am filing this complaint against Marcadis Singer P.A. ( Marcadis ) and XXXX XXXX, XXXX ( DNF ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( XXXX ), and other applicable laws. 

Marcadis and XXXX engaged in unfair and deceptive practices by filing a frivolous lawsuit against me, falsely alleging that I owe a debt of {$7000.00}. The lawsuit was signed by XXXX XXXX XXXX, a debt collector, who has no legal standing to sue me. Despite my repeated requests, neither Marcadis nor XXXX has provided proof of ownership or a valid chain of title for the alleged debt. Their actions constitute unlawful and deceptive practices under state and federal law. 

Furthermore, prior to these actions, I never provided consent for either Marcadis or XXXX to contact me. Their actions constitute an intrusion upon my seclusion and an infringement of my right to privacy. They unlawfully obtained and used my identifying information without my knowledge or lawful consent. 

Under duress and intimidation, I was coerced into making payments totaling {$800.00}. They threatened harm if I did not comply with their frivolous lawsuit. This coercion, combined with their refusal to provide proper documentation, has caused me significant emotional distress, humiliation, and financial harm. 

I demand that Marcadis and XXXX immediately refund the {$800.00} collected through their unlawful practices and cease all further collection efforts. I will no longer participate in this illegitimate proceeding and will pursue legal action for the violation of my rights under applicable laws. 

Please see the attached documents supporting this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I never gave anyone permissible purpose to pull my consumer report. These inquires are a result of identity theft please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I'm writing to express my concerns regarding an issue with my American Express XXXX XXXX ( XXXX XXXX account. It has been suspended since XX/XX/2023, which has prevented me from transferring points to partner airlines. 

In XX/XX/2023, I made expenditures amounting to over {$6000.00} on my card, for which I earned XXXX XXXX XXXX as welcome bonus soon after. Subsequently, some of these transactions were refunded by the merchant. I believe American Express erred in issuing the points to my account before the end of the statement period, leading to this situation. 

The suspension of my XXXX XXXX has caused significant inconvenience. As of now, I've made further purchases that exceed {$6000.00} on the card, demonstrating my commitment and usage. For reference, I have attached all relevant statements. Please unfreeze my XXXX XXXX  ( XXXX XXXX account immediately.
Product: Money transfer, virtual currency, or money service

" Cash App account compromised by unauthorized user for online gambling activities. Despite my efforts to resolve, Cash App denied me access to my account due to expired ID, ignoring my offers of alternative documents. Suspect funds were collected by the unauthorized user. Requesting investigation, account restoration, disclosure of any remaining funds, and refund of any missing funds due to the unauthorized activity. '' Ready to submit this to CFPB?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 2003, has 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 a account without my written instructions
Product: Checking or savings account

THIS COMPLAINT IS NOT A DUPLICATE This bank has been adding to fraudulant activity. My account was closed and I was awaiting a direct deposit Chase bank accepted a deposit from the NY state taxes claiming their was a debt on the account instead of returning funds. I want my money recovered. I have documents stating and time stamped that my account was closed in XX/XX/2022 and last statement XX/XX/XXXX showed the mistakes errors of the bank stating I owed over {$900.00} on my account when my account was XXXX and Chase system created or reversed money to be owed on to the account. I had a direct deposit added in an account on XX/XX/2022, three months after the account was closed and showed a XXXX at the end on the account. They are stealing money due to glitches in their system. I then received a mail thos week in XXXX stating I now owe the same amount and funds were used on the account
Product: Student loan

FedLoan Servicing ( run by the Pennsylvania Higher Education Assistance Agency ) has repeatedly put my loans into forbearance due to their inability to properly process paperwork and unreasonably extended the amount of time until I am eligible for Public Service Loan Forgiveness ( PSLF ) by 9 months. 

I graduated with roughly {$150000.00} in federal student loans ( all XXXX XXXX, XXXX and XXXX XXXX XXXX in XXXX and began payments in XXXX XXXX. My loans were first with XXXX XXXX XXXX XXXX and were then transferred to XXXX XXXX. 

I submitted my first PSLF certification paperwork in XXXX and my loans were transferred from XXXX XXXX to FedLoan in XXXX XXXX. For some reason, despite the fact that my Income Based Repayment ( IBR ) plan was valid until XXXX XXXX, FedLoan put me in the XXXX XXXX plan. When I called to get this fixed, they said they saw that I was on the IBR plan at XXXX XXXX and it should have transferred, but they would put my loans into forbearance while they tried to work this issue out ( and failed to mention that would mean those months would not count towards PSLF ). After about 4-5 months, they finally acknowledged I should be in IBR and payments resumed. 

In early XXXX, when I later transferred from the IBR plan to the Pay As You Earn repayment plan, they took several months to process this paperwork and again placed me in forbearance during this time. No one mentioned the impact this would have on PSLF. 

When I checked on my account recently and saw the estimated PSLF eligibility date was now XXXX XXXX when it should have been XXXX XXXX, I called them for an explanation. The customer service rep stated that because I was placed in forbearance during those two incidents for a total of nine months, I lost nine months of eligibility. When I explained that the only reason I was put in forbearance was because FedLoan had failed to properly process documents both times, the service rep stated that there was nothing that could be done and that the PSLF rules simply state any forbearance periods do not count towards eligibility. They did not offer any solution and refused to credit me some of the months that were due to their own processing problems. 

I think it is wrong that the consumer is punished for problems the loan servicer has in processing paperwork in a timely manner. I could understand losing a month or two ( and likely would n't have written in ), but 9 months represents a significant portion of time added to my loan repayment plan. I noticed that the Massachusetts Attorney General filed a complaint regarding this very issue, and that the CFPB has already received many complaints along this line, but wanted to add my voice to the chorus to help drive home how often FedLoan is doing this to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

They closed my account because I have outstanding balance. I need help because my life it's broke now this the first time happened to my because I was outside the country and I couldn't open my email
Product: Debt collection

sending recorded messages to my work phone. Caller ID says XXXX l XXXX
Product: Credit card or prepaid card

Hello. My name is XXXX XXXX. Someone has used my information at least once to open a credit card with Bank of America. Possibly more than once. I am still trying to resolve the issue with them. This account was opened and used in my name for several years. This person continues to have my information so I would like to know what I can do to stop this in the future. Thank you
Product: Debt collection

An apartment management representative with a personal vendetta claimed that I caused damage to an adjacent apartment. She notified me in writing four days before I was scheduled to move-out. In the letter, she claims that because of a water leak and my negligence I am responsible for {$7.00}, XXXX of damages to the apartment bellow. 30 days later, the firm submitted my erroneous and unsubstantiated debt to a collections agency. The collections agency then quickly furnished this damaging information to the major credit reporting agencies. I requested the collections agency to substantiate the debt, and they mailed me copies of the following documents : the aforementioned letter, a hardware purchase order invoice of {$3200.00}, my apartment 's " move-out inspection '' checklist completed and signed by the firm 's maintenance man and me ( illustrating our agreement of the damage-free condition of my apartment ), the lease agreement, and a " security deposit accounting '' document which shows the amount due to owner as {$7.00}, XXXX, yet all of the credits do not add up to that figure. It 's as if the firm simply invented a number and the collections agency blindly accepted it when the numbers do not add up to my reported debt amount. Unacceptable and unfair.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Vehicle loan or lease

I have consistently called Citizens One to find out when my next monthly payment is due ( I have paid a number of payments ahead of schedule ) to sequence when I want to pay off my car loan. 

Wait times are over one hour on the call, when I do have somebody to talk to twice I have been disconnected. It seems like they have put no resources into servicing loans, and it is frustrating. It should not be this hard to talk to someone.
Product: Credit reporting or other personal consumer reports

Following 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, the accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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. Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. - Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name XXXX XXXX  XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/Account # XXXX, XXXX/Account # XXXX and # XXXX ( XXXX  XXXX ), XXXX XXXX XXXX/Account # XXXX XXXX 
XXXX, Experian, XXXX. has 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 a account without my written instructions