23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I RECIEVED THIS BY MAIL IN RESPONSE TO ONE OF THE CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINTS I FILED. 

THE ENVELOPE RETURN ADDRESS IS CROSSED OFF AND A DIFFERENT ADDRESS IS HAND ENTERED. 

THE LOGO DETAILS FOR FIFTH THIRD BANK ON THE LETTERHEADS DO NOT LOOK OFFICIAL OR LEGITIMATE. 

MY XXXX XXXX XXXX IS CURRENTLY OPEN, ACTIVE, AND IN GOOD STANDING. 

ON THE " CLAIM OF LEVY '' DOWN BELOW IT STATES REGARDING THE ENTIRE MAILING... 

" THIS IS AN ATTEMPT TO COLLECT A DEBT BY UNITED COLLECTION BUREAU , INC, A DEBT COLLECTOR, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. 

ITS APPARENT THIS IS A RETALIATION LETTER ABOUT ONE OF THE COMPLAINTS I RECENTLY FILED AS LISTED ON THE " XXXX  '' IS THE NAME OF XXXX XXXX XXXX / XXXX XXXX XXXX WHICH IS THE WAY I SIGNED EACH AND EVER CONSUMER FINANCIAL PROTECTION COMPLAINT THAT I PUT IN.
Product: Debt collection

I received a letter for XXXX XXXX XXXX at XXXX, located in XXXX Wisconsin. They were notifying me of a debt owed to discover student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.
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 ta timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce 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 an financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

was late on 2 payments right before hurricane Harvey hit in 2017 i contacted santander the 2 weeks before and did i promise to pay and two days later, my car was gone .... never returned my calls and refused to let me get my personal belongings out the car ... {$12000.00} owed on the car
Product: Checking or savings account

Chime is not reimbursing my funds for 2 disputes. Dispute XXXX XXXXXXXX which were fraudulent transactions and unauthorized withdrawals in the amount of {$410.00} also dispute XXXX XXXXXXXX in the amount of {$220.00} for unauthorized transactions and fraudulent withdrawals as well. Please investigate and reimburse my funds that we're not authorized.
Product: Money transfer, virtual currency, or money service

I was the victim of a scam and I was asked to send money via a wire transfer. I used TD Bank on XX/XX/XXXX in the amount of {$1500.00} and then on XX/XX/XXXX for the amount of {$5500.00}. 
As soon as I realized what happened I returned to the bank where I was told that there is nothing they can do to help me stop the transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conserve Employees show last collection made on account was in XXXX yet they falsely reported a collection attempt in XXXX of XXXX. They don't even have record of the collection attempt in their records and still falsely reported an attempt to collect an already paid off debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc ....

Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removedXX/XX/XXXX And should no longer be visible thru my credit report Sta. U.
Product: Debt collection

Brown & Joseph , LLC sent a letter alleging a balance due to XXXX XXXX XXXX XXXX. " Regretfully you have failed to reply to our repeated request to voluntarily resolve this matter ... .Unless payment in full is secured immediately, our client has requested that we immediately refer this account to the XXXX XXXX XXXX. '' The put a stub to send payment to XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. This is a ghost debt. Made up.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : Mohela/DOFED Account Number : XXXX Account Name : Mohela/DOFED Account Number : XXXX Account Name : Mohela/DOFED Account Name : XXXX Account Name : Mohela/DOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Debt collection

Over the last two day I have received 15 calls from Ally Financial. I work night shift and the times that they call I am sleeping and they do not leave a message. They call just about every hour on the hour. I have previously talked to them back in 2017 about the obsessive calling and not leaving messages
Product: Credit card or prepaid card

XX/XX/XXXX I went into the XXXX XXXX branch of US Bank on XXXX XXXX  to have a name change form notarized. I have had a checking account with them since XXXX. After the banker notarized my petition and while I was getting ready to leave, she said she put in for the US Bank credit card and that it would be showing up in a few weeks. I was never asked if I wanted this card. Further, it is deeply upsetting to tell someone I am changing my name and they are then immediately forcing me to have something new with my XXXX name on it. I had to call new account member services and take time out of my day so they could shut it down.
Product: Mortgage

5/3 bank is the worst mortgage company I have ever worked with. When I make a payment out of my bi-weekly paycheck, I submit a partial payment on the payment processing platform on their website. This goes into an " unapplied to mortgage '' status. It would be nice if they would just allow the bi-weekly pay, but they do not allow this, unlike many other mortgage companies, since it would be beneficial to the consumer over the life of the loan. I digress! 

Once I have both of my paychecks for the month and have made the payments, I usually have to call or chat with the bank ( call center ) in order to apply the unapplied balance to my mortgage. In XX/XX/XXXX, I made my first payment of {$1000.00} on XX/XX/XXXX and my second payment for the remainder of my loan amount on XX/XX/XXXX. On XX/XX/XXXX, I asked that the amount be applied to the balance of the mortgage. My wife additionally chat with a representative in order to get the amount applied to my mortgage. 

In the meantime, I keep getting phone calls saying my mortgage is past due, even as the full amount has been transmitted from my account to 5/3 on XX/XX/XXXX. On XX/XX/XXXX, I received another phone call advising me my payment was past due. Again, I explained the situation. I was disconnected after I offered advice that 5/3 update their process, so that I could make my payments and they would automatically be applied to my balance. I then chatted with a representative, who told me my unapplied balance would routed to an account resolutions person in XXXX business days in order to be applied to my mortgage. I called back to the call center and told them I did not have XXXX business days, since after 30 days, this would report negatively to my credit. The representative put me on hold for an extended period of time and told me the " department has a large volume of calls today ''. After holding for nearly XXXX minutes, the representative came back on the line and advised me the " department was closed ''. I asked her if the department was closed, or if the department had a large volume of calls ; she said they were closed. 

I asked the representative if there was anybody else I could speak with, supervisor, escalate the call, etc. in order to get this taken care of. I don't have the extra money to make an additional payment to my mortgage and 5/3 is just sitting on my money unapplied to my balance and I can't get anyone to apply the balance for my loan XXXX full days after I've made the full amount of the payment and pushing against reporting negatively to my credit. 

Again, this has to be the worst bank I have ever done business with!
Product: Credit reporting, credit repair services, or other personal consumer reports

This claim is in reference to the existing claim XXXX on the Consumer Financial Protection Bureau XXXX The response from Equifax does not resolve the issue that I presented and was handled carelessly. The initial investigation regarding the following accounts were requested to be verified which was done by Equifax. Now I am challenging these items due to the inaccurate and discrepancies of the accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX I am trying to legally clean my credit report and Equifax has violated a numerous amount of my rights according to the Federal Credit Act and Consumer Law and has made it extremely hard for me to do so. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. After requesting a numerous amount of times for validation and reinvestigation from XXXX, XXXX and Equifax via mail and phone, my results have came back verbally and through mail that these accounts were verified. This is ground for removal IMMEDIATELY. 

15 U.S. CODE 1681 states my right to removal of inaccurate information.

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

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

I have exercised the Consumer Law and if this investigation is not completed properly by EQUIFAX I will take further action. 

In result of the continuous violations and disregard, according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX  per violation and for the accounts to be deleted immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also , on XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX Chrysler Capital XXXX XXXX XXXX
Product: Checking or savings account

I deposited my work check on XX/XX/XXXX. I called yesterday XX/XX/XXXX to see when my funds would be available. I was told by the customer service rep that my funds would be available XX/XX/XXXX at XXXX. This morning XX/XX/XXXX only part of my funds were made available and the system reads the next part will not be made available until XX/XX/XXXX. However on my deposit receipt it read part would be available XX/XX/XXXX and the remainder XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XX/XX/XXXXI hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly.

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Zelle gave no warning about sending money to wrong person.
Product: Debt collection

AD Astra Recovery Se has attempted to collect money, and has report bad activity on my credit profile. I do not owe AD Astra Recovery Se. This company has failed to present a sign contract between myself and AD Astra Recovery Se, along with proving my identity. Please remove this alleged account from all 3 credit profile.
Product: Credit card or prepaid card

The XXXX card was first offered to me through XXXX XXXX Bank as a points card. It was later sold off to Bank of America, who then changed the terms of the contract. Instead of life time miles as long as charges were made on the card annually, Bank of America changed the terms to allow miles to expire after five years. Bank of America is not honoring the agreement and the contract made between XXXX XXXX Bank and myself. I did not recieve any notice of the policy change. This is very deceptive marketing and practice.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2024, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit card or prepaid card

I was a victim of identity theft, my children and I information was stolen and as a result fraudulent credit cards were opened without my authorization. I found out in XX/XX/XXXX when I tried applying for school and denied loans because outstanding and charged off accounts. I was assisted by a member of XXXX fraud department and instructed to file a complaint with the FTC and to get a police report from my local PD. I did as I was instructed and sent all required information to the companies of the fraudulent accounts. i have not been able to get these accounts rectified. On XX/XX/XXXX I spoke with XXXX XXXX ext XXXX ) from CitiBank fraud investigation unit, she explained that the Account ending in XXXX was deemed as fraud on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX stating that they were a debt collection agency trying to collect on this account. I explained the situation and the account was returned to XXXX Macys. On XX/XX/XXXX and XX/XX/XXXX I received a call from macys internal investigation department and spoke with XXXX. She informed me that the calls are recorded and monitored and she would review the account after verification. She reviewed the account and instructed me to file a complaint with the CFPB as well as the FTC because she saw were the account was deemed as fraud and in XXXX of XXXX the account was undeemed as fraud. This has caused me a complete hardship as well as mental anguish to be treated as a criminal and I am a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over 30 days ago, I submitted investigation requests to all three credit bureaus : Equifax, XXXX, and XXXX XXXX. They should have responded with the result by now, but they have not.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit card

I opened an Apple Card with the sole purpose of using it for the interest free monthly payments on the XXXX XXXX XXXX. On pre-order day, I attempted to use the card to do so, but was met with the following message : " Thank you for your interest in Apple Card XXXX XXXX. 

Unfortunately, your payment was not approved at this time. 

Please go to the Wallet app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I've contacted Apple Card Specialists twice regarding this, and both told me the same - that my card was under review and had to wait it out. Funnily enough, I'm able to purchase other items just fine, even after attempting the XXXX XXXX purchase. However, any attempts to do the monthly payments ends up being declined. 

It's frustrating as I have already applied and been approved for the credit card with the intention of getting this product. Now, I've missed out on my desired pre-order pick up window and have to wait for this issue to be resolved. The XXXX XXXX officially releases on XXXX XXXX, and now I'm not guaranteed to receive it.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.