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

Dear CFPB, I am writing to file a formal complaint against I C SYSTEM agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I C SYSTEM agency has not provided me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report without giving me the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, I C SYSTEM agency has engaged in false, misleading, and deceptive practices. They have no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law, violating 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all debts owed to I C SYSTEM agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide proof that I owe the debt in question.

Purchase Agreement : Please furnish a copy of the purchase agreement between I C SYSTEM agency and the original creditor. 
Licensing and Bonding : Please provide proof that I C SYSTEM agency is licensed and bonded to operate as a debt collection agency. 
My name is XXXX XXXX, and my contact information is as follows : Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I believe I C SYSTEM agency 's actions have violated my consumer rights and I am seeking relief from these violations. Thank you for your prompt attention to this matter. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : I have reviewed my report and noticed that it lists 4 bankruptcies, when in fact I only had one. 

1. XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX 2. XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX 3. XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX 4. XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I immediately called to cancel my gym membership in XXXX due to the pandemic and fear of Covid exposure. I was never advised to call or submit an inquiry for cancellation. I was advised that I wouldnt be charge and that my account was inactive. I have received several calls in XXXX, XXXX  stating my account is past due and to update my payment. I am now being billed 2 months of gym membership for services I didnt acquire during the pandemic.
Product: Prepaid card

XX/XX/2023 {$21.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX my card was deactivated and not usable. I didn't go to XXXX. The paperwork shows obvious fraudulent activity yet NetSpend refuses to give me a refund. Also I have been blocked from XXXX XXXX for staging and I only made a deposit on or around the XXXX to XXXX so I could send money to my son XXXX. We've never had any royalties or other information to access whatever they're accusing me of. I've been denied refund for purchases on XXXX  that I didn't make. I spent {$5.00} for a new card and then I was blocked. Someone is always changing my information to my debit/credit cards. Email and phone numbers change so I can not access. My address gets changed without my permission. XXXX XXXX XXXX XXXX has never sent me a bill. My information changes without my permission. XXXX charged it for {$20.00} without me presenting the card once and both {$10.00} transactions I didn't get a product. I'm being targeted by everyone and no one has given me a reason. I'm be extorted. I'm being kept from my son for four years purposely. I was denied a {$40.00} XXXX ride to the airport and I had {$89.00} available on my XXXX XXXX credit card. I missed my flight to see my son. I lost @ {$260.00} for the ticket.
Product: Credit reporting or other personal consumer reports

A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information includes an account opened at XXXX XXXXXXXX XXXX XXXX, which I did not authorize, open, make, or initiate in any way. 

The details of the fraudulent information are as follows : XXXX XXXXXXXX XXXX XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. 

This account is the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize this account, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. 

Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. 

These cases establish my right to a fair and accurate credit report and affirm the duty of TransUnion to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer FICO credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.
Product: Student loan

I got my identity stolen from me a long time ago and this guy told my social and used for student loans and credit card and other stuff that why I have a pin for me for doing taxes. That is why my credit is so bad cuz this guy took my social and used for him and now Im taking the hit I need help
Product: Credit reporting or other personal consumer reports

Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard 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 XXXX XXXX Account : XXXX XXXX XXXX {$320.00} Account : XXXX XXXX  Bank XXXX Total fraudulent amount : {$130.00} Account : XXXX XXXX Bank XXXX Total fraudulent amount : {$93.00} Account : XXXX XXXX Total fraudulent amount : {$600.00} These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get XXXX, XXXX and Transunion to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This company has violated these terms for the following months. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX
Product: Student loan

I have called and reached out several times to Nelnet. They never give a straight answer and on my previous complaint, they stated I was approved for the SAVE Program and that my application was approved. I can never reach a customer service agent when I call and stay on hold for hours. I need acutal information and a straight answer from these people. Why do you say I am approved for the SAVE program yet, my interest and balance keep growing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, XXXX, and TransUnion. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.
Product: Money transfer, virtual currency, or money service

Company reached out to claim that I have been offered a job and emailed me a check to deposit and then asked me to put it into a gift card. {$1000.00}. Impersonated company named XXXX XXXX using email XXXX XXXX
Product: Money transfer, virtual currency, or money service

My employer has forced me to use Bill.com for direct deposit of funds. Bill.com was linked to XXXX checking account. The XXXX checking account was closed. 

Bill.com would not provide prof of the funds being returned from XXXX XXXX. Trying to work with my employer to re-issue payment has failed. 

Following Bill.com customer service instructions to link XXXX to Bill.com have sadly been incomplete ; leaving out the fact once a new account has been verified, the member has to go in and archive the closed account. Then the newly linked account activate the new account by sliding a selector to an ON position making the new linked account the default for in and out transfers. 

Im totally baffled in their lack communication and instruction. A second paycheck this week lost into oblivion. 

I want the funds owed to me plus penalties. California I am entitled to 3x {$65.00} ( {$190.00} ) for XXXX lip service, failure to provide transaction numbers of funds being returned from XXXX XXXX. Purposely misleading me, stating its some other entities problem but not theirs. 

XX/XX/2019 Payment {$65.00} x 3 = {$190.00} XX/XX/2019 Payment {$65.00} Both are lost. Ive been told I receive a check in the mail but now find them to be utterly untrustworthy. 

I need the lost funds plus penalties issued to me electronically to the linked XXXX account within 10 days or I shall be forced to file in small claims court. 

The forced arbitration clause is not valid for you have not provided an opt-out method. California has struck down forced arbitration the does not allow for a person to opt-out.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer 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. Further more, 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 seek appropriate redress for these violations.
Product: Checking or savings account

There were unauthorized debit card and ATM withdrawals that occurred with my Chase Checking Account. The dates of the unauthorized transactions occurred between the dates of XX/XX/2020 through XX/XX/2020. I contacted Chase on XX/XX/2020, concerning these unauthorized transactions after receiving and reviewing my bank statement on XX/XX/2020. Chase sent a letter to me concerning my inquiry on XX/XX/2020, stating that these transactions were correct and authorized. I contacted Chase to find out why my claim was rejected and they told me based on the facts that I've given which were that I had my debit card on me and didn't share my PIN # with anyone that it must have been me who authorized those transactions. I've attached the letters that Chase sent me detailing the dates and amounts when these unauthorized transactions occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I reported fraudulent transactions to XXXX and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting XXXX correct this mistake as it has advesrly affected my credit opportunities. XXXX has been non-complant thus far.
Product: Mortgage

My name is XXXX XXXX and I currently have a home equity line of credit with SLS. In XXXX I lost my job and fell 2 months behind on my payments in XXXX. After several discussions with personnel at SLS I understood that if I added additional money to my monthly payments that money would be held in an unapplied funds account until such a time that a full payment could be made. I started adding additional money over and above my monthly payments and soon realized the money wasn't being held in an unapplied funds account. I immediately started calling SLS to straighten everything out. Attached you will find notes of who I spoke to, dates and times. You'll also see that on multiple occasions commitments were made to straighten everything out.After 4 years and a formal complete I was told that SLS wouldn't apply any additional funds over the mortgage payments to the 2 back payments. I was also told that from that point on if I called my in payment monthly and specified the additional funds were to be held in unapplied funds they would then be held until a full payment could be made. On XX/XX/XXXX I made a payment of {$700.00}. XXXX for the mortgage payment and {$100.00} to be added to the unapplied funds account. Confirmed by XXXX of the Customer Service Team. On XX/XX/XXXX I spoke to XXXX paid {$610.00} and {$100.00} and {$12.00} Fee to pay over the phone. {$200.00} will remain in unapplied funds ( from XX/XX/XXXX & XX/XX/XXXX ) {$720.00}. Confirmation # XXXX. On XX/XX/XXXX I checked my account and noticed the money was missing from unapplied funds. After many calls I was told several times a supervisor would call back. I never received a call from a supervisor. I did start receiving endless collection calls. Today I checked my SLS account and noticed my unapplied funds account is negative over {$500.00}. My payment of {$720.00} is listed as {$500.00}. Please see attached notes. The annotation takes a few seconds to open so please be patient. Attached is a personal call log documenting much of my communication with SLS with dates and times. I've also attached a spreadsheet showing all payments made to SLS. There is a column showing how much I put into unapplied funds monthly since XXXX when I missed 2 payments. Each month instead of holding the money until a full payment could be made the money would be applied to unpaid principal which left my account perpetually 2 months behind. 

XXXX XXXX XXXX XXXX ) XXXX Also, see below last signed on XX/XX/XXXX XXXX Next Payment Due : XX/XX/XXXX Payment Amount : {$1600.00} XXXX XXXX XXXX PRINCIPAL & INT PAYMENT : {$590.00} CURRENT ESCROW PAYMENT : {$0.00} TOTAL PAST DUE : {$1500.00} TOTAL AMOUNT DUE : {$2100.00} UNAPPLIED : ( {$500.00} ) TOTAL PAYMENT AMOUNT : {$1600.00} LAST PAYMENT RECEIVED : XX/XX/XXXX LAST PAYMENT AMOUNT : PAYMENTS MAXIMUM CREDIT LIMIT : {$100000.00} ACCOUNT BALANCE : {$58000.00} AVAILABLE BALANCE : {$0.00} GO PAPERLESS : AUTOMATIC PAYMENTS : INELIGIBLE Please note, additional loan details are viewable by clicking the Loan Details tab at the top of this screen. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under XXXX XXXXXXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via social media. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence. 

I discovered my information may have been compromised on XXXX XXXX, 2017 via Equifax 's website : www.equifaxsecurity2017.com.  After checking to see if my information was compromised, I received the message : " Thank you -- Based on the information provided, we believe that your personal information may have been impacted by this incident ''. I then immediately placed a 90-day Fraud Alert with Equifax, XXXX, and XXXX, and froze my credit with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them.