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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX, Acct Number XXXX, bal. {$1100.00} XXXX XXXX, Acct Number XXXX, bal. {$970.00} XXXX XXXX, Acct Number XXXX, bal. {$500.00} XXXX, Acct Number XXXX, bal. {$2000.00}
Product: Debt collection

I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.
Product: Student loan

To whom it may concern : I'm writing to file a formal compliant against Navient for its denial of the School Misconduct Discharge application on my private loans, which were taken out to attend the XXXX XXXX, which later was found to commit fraud. Despite Navient 's acknowledgment of the misconduct of the XXXX XXXX, I received a grossly gauge response to my application. This response is not only inadequate, but also in clear violation of the Holder Rule. It has been well documented of XXXX XXXX fraudulent activities, and Navient has received these types of complaints since 2011. My federal loans under Navient were later discharged under the borrower 's defense and now under is this School Misconduct application, my private loans should be discharge under the same circumstances. I'm seeking for a clear and specific explanation on why my application was denied.
Product: Credit reporting or other personal consumer reports

I contacted all three major credit bureaus ( XXXX, Equifax and XXXX ) and requested a complete validation of supposed debt by investigating, the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. When disputed the results from XXXX and Equifax were complete without correct within 24 hours unchanged. XXXX did update by removing this supposed debt from my XXXX credit file. The other companies involved are : XXXX XXXX XXXX and I have reached out to them requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received this information. I contacted them to be told all they have is an invoice to send me and that proves I owe it. My letter also stated that If their office fails to respond to the VALDATION request within 30 days from the date of mailing, all references to this account must be deleted and completely removed from my credit file and a copy of deletion request sent to me immediately. They again continued to list this unvalidated debt on my credit file and again just sent me an invoice.
Product: Debt collection

This debt was closed and settled with XXXX  XXXX it was taken off my credit only to be put back on after being sold to another company. Under 15 USC 1681 I never gave consent to furnish or obtain my personal information.. they sent my personal information to another company which is not ok.. Im currently seeking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are study being pulled on my credit report unauthorized, affecting my credit score. Im only being made aware of this because in have a monitoring service. 
Credit check total sends me alerts when someone pulls my credit. On XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX/XXXX/XXXX XXXX Payments XXXX/XXXX/XXXX XXXX who are these people.All these inquiries just constantly every other day. I have a Fraud Alert on my credit file!!!!!! 
And I just submitted a complaint about inquiries last weekend!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - Capital One. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my XXXX  report. A dispute was filed with XXXX  directly, but it remains. 

Capital One - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my XXXX 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX XXXX. Credit Limit of XXXX XXXX. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX auto loan account opened : XX/XX/XXXX, under account number : XXXX, XXXX $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from XXXX XXXX made on XXXX XXXX, XXXX. I did n't authorize this inquiry. I do n't have or have never been interested in XXXX XXXX. It appears on my Equifax credit report. XXXX XXXX has no automated option to speak to someone about credit inquiries. Selecting any of the other options will not get me to anyone who can help. All calls to Equifax have been met with " your call can not be completed at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX the car dealer shared my information with nine creditors without my consent. I never authorized chrysler to pull my creditl
Product: Debt collection

On XXXX XXXX XXXX, I received a letter from LTD, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a XXXX XXXX XXXX agent. We informed both the XXXX XXXX XXXX and LTD that we did not have a XXXX XXXX XXXX card, neither did we ever give permission for this collection agent to enter our account. LTD has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX County Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Since I was unable to submit the actions of XXXX XXXX XXXX 's relative to the collection agency LTD I am submitting a second request. Although XXXX XXXX XXXX has withdrawn itself from my credit reports, XXXX XXXX XXXX has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been very XXXX -- including XXXX XXXX. I thought I had excellent credit only to find out someone had stolen my identity.
Product: Debt collection

I sent a debt validation letter in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-name Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks are found on any of my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation requestt within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely
Product: Credit card or prepaid card

Citi Card-   XXXX  Complaint - Account- Facts : 1 ) O n  XX/XX/XXXX  a charge for {$95.00} appeared on my credit card statement.    2  ) Immediately upon receiving credit card statement I disputed the charge with  Citi Cards s ince we do not use  XXXX  products.    3 ) Citi Cards  issued conditional credit  XX/XX/XXXX . .I thought the situation was resolved.    4 ) O n  XXXX   Citi Cards reve rses the credit and bills me $  XXXX a gain.     5 )  I called and cancelled my credit card since  Citi Cards  supports fraudulent transactions.    6 ) Citi Cards  continues to bill me for this invalid charge and adds interest.   7 ) On  XXXX   XXXX   Citi Cards  sends me the fraudulent explanation from  XXXX  where they have manufactured a Customer Check- Out Report that we have never seen and have not authorized.    8  ) On  XXXX   XXXX ,  XXXX  I write a formal complaint to  Citi Cards.     9 )  My wife and I do not use  XXXX  software on our current computers.    10   ) M y wife and I have NOT authorized a renewal of  XXXX  software.    11 )  My wife and  I N EVER authorized a charge to our credit card for  XXXX  software in the amount of {$95.00}.    12 )   XXXX  is attempting to perpetually bill us for a product we do not use.    13 )   XXXX  and Citibank are attempting fraudulent billing tactics on senior citizens, hoping we will pay the bill to stop the harassment.    14 )  The Customer Checkout Report that they have generated is pure fiction. We NEVER authorized such a charge since we do not use their product. They must be using data from a previous computer or transaction.    15 )  We will not be paying for a product we do not use for the rest of our lives.    16 ) Y ou will note on the internet that  XXXX  is attempting this fraud on many people. Exhibit  6 17 )  We had to cancel our credit card with  Citi Bank   ( w hich we had for over 16 years ) since they put an unauthorized charge on our account and would not remove it.    18 )   XXXX  is simply a scam artist attempting to push perpetual contracts on the public.    19 ) Citi Cards r efuses to remove the charge and says it our responsibility to get a credit from the scammers rather than having the scammer provide an authorized charge from us.    20 ) Citi Cards  are now continuing to bill us for this unauthorized charge plus interest.
Product: Debt collection

I am filing this complaint against IC System Inc. for reporting fraudulent information on my credit report. The following account was added to my credit report without my authorization, and despite my attempts to address this issue, IC System Inc. has refused to provide assistance : - **Account Name : ** I C SYSTEM INC ( Also known as I.C . SYSTEM, INC ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account is fraudulent, and I believe it was opened due to identity theft. I contacted IC System Inc. to resolve this matter and spoke with several representatives, including XXXX, XXXX, XXXX, XXXX, and others. Unfortunately, all of them refused to assist me, and my calls were repeatedly disconnected. 

These actions are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2, which mandates the prompt removal of fraudulent information from a consumer 's credit report once the consumer has notified the credit reporting agency of identity theft. Additionally, under the California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ), IC System Inc. is required to conduct a reasonable investigation and correct any inaccurate or incomplete information. 

Their failure to provide adequate assistance and disconnecting my calls violates both federal and California state laws. As a XXXX individual, this lack of assistance has caused significant hardship, compounding the effects of the identity theft. 

I request that the CFPB take immediate action to ensure that IC System Inc. removes the fraudulent account from my credit report and that they are held accountable for their violations of my consumer rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Election Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I checked my credit report today to find a negative credit on there in the amount of XXXX issued by recovery one debt collector. The following address is what is on my credit report. XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX. After calling the company to find out it was in debt to a XXXX XXXX XXXX, I asked how the debt was issued on my credit report since it belonged to a corporation that I worked for. 

I was then tranfered to a XXXX who i'm assuming is a manager, when I asked him about it, how it got on my credit report and also if he was showing a personal guarantee, he told me he could not share any paper work with me and that i would have to contact the company. I told him that they issued this against my credit report and I would like an answer if he had the paperwork to prove that I personally owed the money. I was then hung up on. 

Not sure how I am suppose to handle this when fraudulent activities are put against my credit report and the company holding the debt can not provide paperwork. 

Thank you for your time.
Product: Mortgage

I closed on a purchase mortgage on XX/XX/XXXX and I had an escrow account setup to pay taxes. The title company collected for the annual tax bill due XX/XX/XXXX but that was not out yet and Mr. Cooper should of made the first payment of taxes from escrow on XX/XX/XXXX. 

The title company made the payment as planned in middle of XXXX. 
Unfortunately, Mr. Cooper doesn't seem to be able to read the closing documents and decided to try and pay it from my escrow account. This created a large negative balance. I immediately spoke to the county and they told me they will not accept two payments so the Mr. Cooper payment was rejected. So I reached back out to Mr. Cooper. They were unable to answer phone calls so I was subjected to the online chat. 

I explained to them the error and requested they remove my escrow account due to their incompetence, I was redirected to yet another email address to request this. In early XXXX I received a letter that they would no longer require an escrow account and figured the situation was resolved. And was expecting and approx {$3200.00} refund of escrows and also my payment to revert to just principal and interest. 

But no they sent me another statement for my XXXX payment showing full escrows and the same payment as before. Now today I got another notice that I was expected to have my payment adjust again to pay them back for the escrow shortage created by their failure back in XXXX. 

I again tried to call them today and can not get a live agent to pick up a call. My payment is still not right and they owe my closer to {$4000.00} once I make another payment to my escrow account that is supposedly cancelled. 

Mr. Cooper 's level of ineptitude is staggering and compounded by awful customer service. I hope you can help get this addressed as I have no where else to turn at this point to get my money and correct payment.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX we were trying to purchase two tickets via XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX playoff XXXX XXXX game in XXXX XXXX on XX/XX/XXXX. 
I received a text message at XXXX that said : Chase : We declined {$410.00} with card ending XXXX at XXXX XXXX Was this you? Reply YES or NO. 
I did not see that text until XXXX and I replied YES and received this response : Chase : Thanks. The transaction wasnt completed.. 
Because the response said it wasnt completed, we requested and purchased two more tickets right away. Also, because it was an online transaction, there was no way to verify if the transaction had been resubmitted. 
That same evening I checked my Chase credit card account online and noticed that I was charged for two transactions from XXXX when I only wanted one. 
I then called Chase and was told that the first purchase was approved at XXXX!!!! I was also told there was nothing we could do until the purchase had been processed and that it would take XXXX hours. 
In my opinion there are three reasons why I shouldnt be responsible for the {$410.00} charge : XXXX. I received the text back that said the transaction wasnt completed so we did it again. 
XXXX. Why did Chase approve the charge at XXXX when I didnt respond until XXXX? If that is the case, then Chase has some serious problems with their fraud alert system. 
XXXX. I dont understand why if something is found out right away that is incorrect and is prior to the event starting that a charge should not be able to be reversed? I knew there was a problem, and it should have been resolved that night by Chase. If that was the case, this never would have happened. 
My dispute isnt with XXXX but is with Chase. We purchased additional tickets based on the false information that was sent via text message. It is because of this that I do not feel that I should be charged for the {$410.00} tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes through a written letter and also through their official page, telling them that I do not know about this Hard inquiry and I did not give my authorization, therefore it had to be removed from my credit report immediately since it is a should be fraudulently and it is affecting my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX
Product: Vehicle loan or lease

They did not send any type of notice. Before repossession, they did not communicate a call a letter. Nothing they refuse to give me an amount owed of what the payoff is to get the vehicle back and are very rude on top of that on the phone