23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud.
Product: Debt collection

XXXX XXXX XXXX ( UCB ) acting on behalf of XXXX contacted me between XX/XX/XXXX-XX/XX/XXXX to settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to UCB. 

My credit improved. By XX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX, this debt from XXXX reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either XXXX is mistaken or UCB has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM UNITED COLLECTION BUREAU ( UCB ).
Product: Student loan

I had Great Lakes as my lender for a couple of years. As of recent, upon resuming my loan payments, my loan was acquired by Nelnet. Problems with accessing the website are common. Ive contacted them and they said to reset my account credentials. Uopn further research from my part, Ive found Nelnets user login interface is quite ineffective, with password resets, account lock-ups, poor or lack of customer support access. Ive so far been able to make my scheduled payments, but I am growing more concerned with this company performance. Many students struggle to make payments, and I see this company is preventing student payment process efficiency. Please research this issue as most students are honest people and Nelnet is not fulfilling their responsibility to enable a reliable, secure, efficient method to replay student loans. Seems Nelnet is not capable to effectively support the student loans. Many students may have issues or even find they have credit scores affected by this, which is unfair.
Product: Credit card or prepaid card

Walmart closed my account for no reason after I paid off my balance in full on XX/XX/XXXX then a week later they closed my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of Education did not provide me with any original documentation bearing my signature proving that I have any obligation to the amount they are reporting to the Credit bureaus under my name. They continue to illegally report this negative account to the credit bureaus under my social security number depriving me of my rights that come with having good credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Transactions Related to XXXX XXXX Dear /Customer Service ], I am writing to formally dispute transactions associated with my accounts that I believe are linked to activities of human trafficking. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account : XXXX XXXX **** XXXX. XXXX XXXX Account : XXXX XXXX **** I have reason to believe that certain transactions made from these accounts may be facilitating illegal activities, including but not limited to human trafficking. This is a serious matter, and I urge you to investigate these transactions thoroughly.
Product: Vehicle loan or lease

My XXXX XXXX XXXX XXXXXXXX XXXX XXXX that I purchased new with only XXXX miles on it taking delivery on XX/XX/XXXX upon trading in my XXXX XXXX XXXX that I purchased new to do so. The XXXX was repossed from my driveway as I went out warm it up in XXXX of XXXX without any resistance from me. ( I do not have the a/c # but I do have all of my original paperwork and will be uploading XXXX documents involving the purchase ) as I believe that now looking over the paperwork after hearing about Wells Fargo on the news made me take a closer look.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX.
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 Electronic 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: Consumer Loan

I have been trying to get validation of a debt that is being held by JJ Marshall & Associates.What they sent was a print screen and what is reporting on my credit report does not even match what they supplied. Also I asked for a break down of fees, payment history and copy of the signed legal agreement and again the only sent me a letter and print out screen.
Product: Debt collection

XXXX XXXX keeps reporting to my credit report that I owe them a debt. I do not owe this company anything. I disputed this matter on my credit reports when they sold the debt to XXXX XXXX XXXX and it was removed from my credit report being that they could not prove that I owed the debt. They can not prove that I gave them my social security card, my drivers licenses or an address where the service was used that I have lived. Once it was removed from my credit report they illegally sold it to another company Bull City Financial who did a soft pull on my credit report without my permission illegally in XXXX ( this is their tactic to make it seem as if someone applied for service from them ) I never applied for anything or gave this company they sold it to Bull City Financial. It destroyed my credit score and Im in the disputing matter right now. I do not owe this company and am a victim of identity thief. They can not show me that I owe anything. And kept selling my social security number to other creditors without validating any of my information. They have not sent me any notices by mail or anything.
Product: Money transfer, virtual currency, or money service

I sent a transfer to myself for XXXX $ they cancelled it, I have yet to receive my refund It's been a week
Product: Checking or savings account

Please reconsider. I honestly just opened it so I could get paid from a guy I sold some propane tanks from on XXXX. I had XXXX $ on venmo and I had to wait until my card came in the mail in order to withdraw the funds and I was broke. I really needed the money so I tried all my cards and none of them would work for me to transfer the money too. So I tried my mom 's. She was on the phone with me, they didn't work either. Then my dad 's. None again. So my fiance XXXX XXXX was with me and we tried hers. You can look at my statement I sent and see her name appearing on it several times from us transferring back and forth. She lives with me. She will send her i.d and her picture or whatever is needed. But I guess we used a card of hers that she was using on her venno also. 
I don't feel like this is worth losing {$250.00} in which I earned legally and legitimately. You understand mistakes happen. Please release these. I don't want to go to the next step. I am currently in need of this money badly in order to survive!!!! 
Show quoted text So that was the last thing I sent him. And the company 's venmo. They said that I first need to send my ID with a picture of me so I did that and then they wanted a copy of the bank statement from the account I tried to add on there to send the money to off that venmo account to another bank and I did that it was my fiance and that didn't do anything so I never heard back from him after they told me that document wouldn't work. So I wait about a month and them again and they wanted a copy of the bank statement with the specific numbers to the account and so it was my time and so I took a bank statement I sent it to him then they came back and said we can't release the funds we're closing the account permanently. So I don't understand what they're doing and how they can do this and I desperately need the money back. Please help me all I've done is sell some stuff on XXXX got sent the money on venmo and try to transfer my money from venmo to a bank account so I can withdraw and they have completely Frozen stole my money from me.
Product: Debt collection

Upon checking my consumer report on XX/XX/XXXX, I notice there was a collection account been furnished by SOUTHERN MANAGEMENT SYSTEMS to my consumer file. I dispute this matter with the consumer reporting agency as I have no knowledge of this account nor have I received any prior Initial communication from this company who identifies themself as a deb collector as per the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) FDCPA.

I also reached out to SOUTHERN MANAGEMENT SYSTEMS that I the consumer wishes to Cease all communications with me the consumer and my household pursuant to 15 U.S.C. 1692c.

The company said they will notate the account as per my request and will follow up with me. 

On or about XX/XX/XXXX I received a copy of my consumer report and notice the said company was still communicating with me via furnishing inaccurate information to my consumer report, and thus severely damaging my creditworthiness and reputation as federally protected consumer.

Said company is knowingly failing to comply with the FDCPA section 805 regarding me as a consumer exercising my rights to cease communication. 

On XX/XX/XXXX I the consumer furnished written notice to SOUTHERN MANAGEMENT SYSTEMS to CEASE AND DESIST ALL COMMUNICATION. 

As of today XX/XX/XXXX the company has yet to rectify or acknowledge my right to do so. 

Several calls to said company is met with rude and profane language directed at me the consumer by its agents and refusal to have me speak with a management personnel, legal or compliance.
Product: Debt collection

I missed several payments with them and it went to collections. However, I recently made the full " Due Now '' payment of {$450.00}. Now I am getting harassing phone calls several times every day from a man calling himself " XXXX XXXX '' making vague statements that he is somehow some kind of collections law enforcement agent and he'll make me and my family sorry we didn't make the full amount of the past due payment. I actually contacted them to try and make arrangements to continue the payments but never received a email or call back either, but I still get these calls. 

The email I received on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX The payment made on XX/XX/XXXX : XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2019 a hailstorm damaged my property located in XXXX, TX. Both real property and personal property was damaged.The damaged real property is secured my a mortgage currently serviced by US Bank. The damaged personal property is not secured with any creditor.My insurance company mistakenly included US Bank as a payee on the claim check which included payment for damages to both real and personal property (they generally issue separate payments for personal property claims).The initial insurance check was received by US Bank on or about XX/XX/2019. When I submitted this check to US Bank, I formally requested, in writing, that the amount for the personal property be returned immediately as US Bank has no financial interest in the property and thus no right to retain the money.On XX/XX/2019, US Bank received a second claim check for additional damages to real property that were not covered by the initial check. As part of the submission of this check to US Bank, I requested formally, in writing, that they immediately release the amount they have held since XXXX  for the personal property. I made a third formal, written request for the personal property funds onXX/XX/2019.To date, US Bank has neither provided the funds for replacement of my personal property nor provided any reasonable steps I can take to obtain them.Both of these actions are contrary to the Texas Insurance Code.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I followed the correct procedure of notifying the authorities, filing all the appropriate paperwork and sending it off to the credit bureaus. However. it has been several months an the credit bureaus have failed to respond at all to me. They have not written me or sent me anything at all. I know they only have 30 days to respond and that this is illegal.
Product: Credit card

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to XXXX XXXX, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Recently I locked at copy at a copy of my credit report amd noticed several inaccucies on my account. This account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account Name : XXXX XXXX. Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights
Product: Credit card or prepaid card

In purchasing XXXX airline ticket, advertising came for AMEX Delta Skymiles as : Limited offer Earn {$400.00} statement credit after XXXX weeks after making Delta  Purchase XXXX and XXXX Bonus miles after {$2000.00} purchase with new credit card in first 3 months. 
I open account on XXXX, had Delta purchase XXXX XXXX XXXX and spend over {$2000.00} up to XXXX paid on XXXX in almost two months. 
Called couple of times for follow up, they asked me to be patient and wait as it takes time and will come on your next statement. 
After three times follow up, they informed me, I was not eligible for bonus and statement credit. This is a fraud and rip off. I filed a claim with AMEX, no respond after weeks. 
Credit cards comes with perks, If I was not eligible for any reason, they should inform me right away and most likely not issue {$8000.00} credit card. 
How issue credit card in seconds but for bonus, I am not eligible!!! 


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

On XX/XX/XXXX, I disputed my credit report with Equifax and included XXXX   XXXX  in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. Equifax did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with Equifax that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.
Product: Debt collection

This company calls me daily for a debt that is owed by someone else. I began tracking the calls on  XXXX / XXXX / 17  but was able to locate some prior calls before that date on my cell phone and below is a log of the call to my home and cell phone :   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   - I asked them to stop calling me   XXXX  17 at   XXXX   XXXX   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   Again, they are not calling me for a debt I owe but for someone that I know. I have asked them to stop calling me but they continue to call every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said hard inquiries will not gon na affected my credit score and didnt recognized this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score.

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days.

Thank you for your prompt attention to this matter. 

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

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$3600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

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

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

has violated my rights.

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

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.