23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Solverity XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX in the amount of {$320.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt.

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that Solverity has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.
Product: Money transfer, virtual currency, or money service

PayPal, XXXX, XXXX XX/XX/XXXX : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/XXXX : PayPal received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via PayPal ( as instructed ), and voided the shipping label. 

XX/XX/XXXX : I woke up to realize my XXXX XXXX checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! XXXX XXXX debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but PayPal still shows everything as Pending! 

XX/XX/XXXX : XXXX XXXX charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!? 

XXXX XXXX has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!
Product: Checking or savings account

I'm in dire need of your help my social security check of {$950.00} was deposited into Citibank they have the champ I have proof that they received the check from Social Security I went to use to try to use my debit card they keep denying all the transactions {$22000.00} is in this account along with my check they denied each and everything they're refusing to give me my money I'm in dire need of my money I'm XXXX XXXX XXXX I can't pay any of my bills they told me they're not going to give me back the child and Social Security can not issue me another XXXX until this check is returned Citibank is XXXX  and they stolen this money and they're refusing to give me my money they won't not let me withdraw the money they've locked my checking account my debit card and any money transfers I try to transfer the money on {$1500.00} a thousand and then {$500.00} to XXXX they demanded they got it back each and every transaction that I've done has been declined I need to get my money I am XXXX XXXX XXXX in a hospital bed with a XXXX XXXX XXXX XXXX  XXXX XXXX I'm in dire need of my mind their Elder abusing me this is Grand Theft Financial elder abuse and they're tormenting chair Rising me they keep slamming the phone down I have called them 35 times and each and every time they tell me they don't know who I am although they're lying because they got my social security number and they have the check was sent from Social Security I need my money it's already on XX/XX/XXXX and they've had my money since XX/XX/XXXX they refused to give me my money I called the city Branch branch office and they will not let me get the money out they told me it's not their problem please help me
Product: Mortgage

I previously requested a modification on my home loan with  Wells Fargo. While the modification was pending..payments  were made, but not applied to my loan. I was advised that the loan must first be in default before the loan can be reviewed for the modification. This resulted in my loan showing more delinquent than the loan actually was on my credit. The lender then appraised the home for more than the value of the home and did not provide a copy of the value obtained when requested. The principal balance was then increased excluding the payments made and not applied at the time of the modification.  Wells Fargo  excluded the payments and based the monthly payment on now a more significant appraised value and raised the monthly payment by several   XXXX   XXXX  . I was forced to accept the terms in order to save my home and was now severely delinquent. At the time of the modification the principal balance was increased to more than the value of the home at that time and the previous payments made were now misapplied. I followed up with the mortgage company in regards to the misapplied payments made during my modification review and they in turn researched it and after several phone calls and months, reversed them but indicated the payments could not be applied to the mortgage payments, but had to be put on the principal balance, in putting the payments on the principal balance, no restructure took place to lower the principal to reflect the funds applied. So.. to me if felt as if there was no resolution. I fell behind on m y HOA f ees trying to regroup from the now increased payments that caused an additional hardship.     To make matter worse, I am in a community property state and from what I am being told, the modification was recorded incorrectly.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX that is improperly reporting on my credit report by XXXX XXXX XXXX. The score is not reflecting the new balance. It still shows the balance is {$120.00}. XXXX XXXX advised that they are unable to assist with the credit scores that I would have to contact the Transunion. This error has dropped my score tremendously.
Product: Credit card or prepaid card

I was purchasing XXXX tickets and when I went to pay, they offered an XXXX XXXX that offered XXXX points if you applied for the card and spent {$1000.00} in the first 3 months. So instead of using my XXXX XXXX to pay, I applied for the card, was approved, and purchased {$1800.00} in tickets. Less than 24 hours later, they started offering XXXX points for the same transaction. I contacted FNBO bank that issues the credit card and explained that it didn't seem fair that had I waited less than XXXX hours to do the transaction I would receive double the points. The customer service rep agreed and said unfortunately they don't handle the reward points so I would have to contact XXXX for them to help. She provided a number for me to call XXXX, which I did. I explained to the rep what occurred and she said unfortunately since I signed a contract for the card there was nothing that could be done. I said since the promotion just started technically couldn't I just cancel the trip and close the card and just re-apply for the card, since it was less than XXXX hours since I signed the " contract '' and she said she couldn't guarantee they would honor the promotion since they offered it to me already. I explained none of this seemed fair so she escalated it to a leader. The leader said she understood it didn't seem fair and she would escalate it to see if they could make an exception, and someone would call me to let me know the decision and no one has responded. I just don't believe this is fair. Major department stores offer guarantees that if you buy something and it goes on sale shortly thereafter they'll match the lower price. Why isn't there a consumer protection for what happened in this instance? Just like the XXXX hours you have to cancel a contract, why isn't there a similar grace period for promotional offers?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXXXXXX XXXX  Card Date Opened XX/XX/XXXX Balance {$450.00}
Product: Checking or savings account

I assure that I have not shared my financial information or authorized anyone else but myself to use my debt card/access financial information, the debit card is in my possession as well. 
Scenario : XX/XX/XXXX ATM was charged for a purchase at XXXX LA for the amount of {$140.00}, this was declined from my bank and detected as a fraud alert. To add this was the second time it happened for a amount of {$300.00}, at first, since the transaction got declined, I didnt think much about it and guessed as a system error, until this incident happened. 
XX/XX/XXXX ATM was charged for a purchase at XXXX XXXX, CA for the amount of {$210.00}, which got approved by my banking without any XXXX authentication/fraud alert. 
Actions - Contacted bank to replace my debit card, also filed a fraud claim which will take 10 days investigation. 
- I called XXXX hoping to cancel the order, associate informed that the order was already picked up XXXX minutes passed. He informed the order was done online and it was a big order of XXXX pizzas mentioned. 
- Filed Police Report next day XX/XX/XXXX XXXX
Product: Debt collection

keep calling me saying I took out a second mortgage in 2001, amount is {$73000.00}, i NEVER TOOK OUT A SECOND MORTGAGE OR ANY LOAN, I have been on XXXX since 2001, they are telling me it is on my credit report, it is not on there, they say they have a notorized signature for me. Never received anything in the mail like they said, said they sent several notices, never got 1.This is a scam! 
I have read hundreds of complaints on them on the internet doing the same thing!
Product: Credit reporting, credit repair services, or other personal consumer reports

In her response to our CFPB complaint ( XXXX ), XXXX XXXX XXXX has used inaccuracies to justify LoanDepot maintaining a Delinquent Account alert against my credit reports. She states that all statements concerning this situation were sent to me and also placed on their website ( attached ). This is not true! I never received these documents and was completely ignorant of their existence till we received their letter dated XXXX XXXX XXXX with a XXXX check as return payment for our XXXX XXXX loan payment ( attached ). We immediately sent in a total of XXXX in a check and electronic payments to get us current. 
Based on my immediate monetary response to LoanDepot after receipt of the only document ever " sent '' by LoanDepot, I feel the " Delinquent Account '' notification against my credit reports is no longer justified but is being maintained to punish me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I have no idea who these people are and have never received a bill. They dont have have my signature. Yet Experian wont remove it. XXXX removed it months ago.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Massachusetts Laws Dear XXXX XXXX, I am writing to formally address the unauthorized reporting of information to my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Massachusetts consumer protection and identity theft laws, including M.G.L. Chapter 93, Sections 50-68, and M.G.L. Chapter 266, Section 37E. 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without my explicit consent. Under the FCRA, Section 1681b ( a ) ( 2 ) strictly requires that consumer consent be obtained prior to reporting such information. Additionally, under Massachusetts law, M.G.L. Chapter 93, Section 54A imposes obligations on furnishers of credit information to ensure accuracy and consumer authorization. 

Furthermore, Massachusetts identity theft laws, specifically M.G.L. Chapter 266, Section 37E, classify the unauthorized use or dissemination of personal identifying informationincluding financial datawithout consent as a serious offense. By reporting my information without authorization, XXXX XXXX may be in violation of these statutes, which are designed to protect consumers from financial harm and identity fraud. 

I assert unequivocally that I have not provided consent for XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, has the potential to damage my creditworthiness, and represents noncompliance with federal and Massachusetts state laws. 

Therefore, I demand that XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Massachusetts statutes protecting consumer credit information. If corrective action is not taken within 30 days, I will consider this as willful noncompliance and pursue all available legal remedies, including formal complaints with the Massachusetts Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and potential civil litigation under FCRA provisions. 

Compliance with these regulations is not optional but a legal obligation. I expect XXXX XXXX to act promptly to rectify these violations and respect my rights under both federal and state law. 

This notice is issued in good faith with the expectation of immediate resolution.
Product: Credit reporting

I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Payday loan, title loan, or personal loan

I have spoken to somebody in the company called XXXX XXXX I have sent over fraud and police papers and have got nowhere. This loan is not mine and was open without my authorization
Product: Student loan

I feel like interested was added from previous student loan provider thus making hit difficult for me to see any progress with payments. I do n't clearly understand how interested is added and why my loan amount seems to be increasing rather than decreasing.
Product: Credit card or prepaid card

This is a continuation of complaint XXXX. JP Morgan Chase has yet to resolve the issue. Their response to the initial complaint was false. I am being charged interest on a purchase enrolled in the 18 month zero percent interest ( Equal Pay Promo ) program. In XXXX XXXX I made a purchase from Amazon for {$900.00} and enrolled that purchase in the Equal Pay Promo requiring {$50.00} monthly payments. The XX/XX/XXXX billing statement XXXX XX/XX/XXXX due date ) reflected the program with Interest Savings Balance ( {$50.00} plus new purchases not enrolled in the program XXXX to avoid interest. The XX/XX/XXXX billing statement XXXX XX/XX/XXXX due date ) no longer showed the Equal Pay Promo and had a balance of {$2500.00} ( new purchases of {$2100.00} plus the remaining full balance of the Equal Pay Promo purchase. JP Morgan written and verbal response ( XXXX XXXX ext XXXX ) stated the XXXX purchase was still eligible and enrolled in the program. On XX/XX/XXXX XXXX promised to look into why the statement was not reflecting the terms of the program. I made the XX/XX/XXXX payment of the full new purchase balance plus {$50.00} for the Equal Pay Promo, and a little extra. I received the XXXX billing statement XXXX XX/XX/XXXX due date ) showing an interest charge. I contacted XXXX who waived the charge and said she was working with the credit card team for a resolution. The XXXX billing statement shows new purchased enrolled in the Equal Pay Promo, but has not reinstated the XXXX purchase in the program. I have spoken to XXXX numerous of times and she seems to be dependent of the credit card team business manager for a resolution. I will be making the XX/XX/XXXX payment ( full payment of new purchases not enrolled in the Equal Pay Promo, plus the {$50.00} for the XXXX purchase, and the {$35.00} for the XXXX purchases enrolled in the Equal Pay Promo ). Based on the previous month experience, I will likely incur interest charge because JP Morgan is not honoring the terms of the Equal Pay Promo for the XX/XX/XXXX purchase.
Product: Credit reporting or other personal consumer reports

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX Bank, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX is older than 7 years and as such should be removed from my credit report. I have requested this and yet it has still not been removed. 

Phone Number XXXX Last XXXX of social is XXXX
Product: Credit card

I have had charges on my JC PENNEY card for continous 5 months and when I realized it I called the credit card company and told them I did not make them. At first, they said okay we will give you money back we recognize they are frauds. A month later I got a letter saying they do not believe they are fraud. 
I have not made or authorized these charges I can not get to speak to a live person to tell me what makes them think this is not fraud as I know it is. 

cc company is Synchrony Bank XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX 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 of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: 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 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.