23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In 2014 my student loan defaulted. I am not disputing that fact. I am however disputing the amount of collection fees the collection agency charged. The amount they charged nearly doubled what I owed. I have been trying to get copies of what the collection agency had sent ( since I believe I was charged 30-40 % vs the 16 % since these are FFEL loans and Phea has never responded. I faxed them and I also mailed a certified letter on the XXXX of XXXX and still have not received a response back.
Product: Debt collection

I recently looked over my credit report on XX/XX/2024. Doing so, I found a collection from UNITED REVENUE in the amount of {$1400.00}. I have not any notification of this debt. Can you please send me verification of this debt?
Product: Money transfer, virtual currency, or money service

Western Union refused to refund {$420.00} for money order bank refused to cash. They were sent proof three times. First time lost it, second two times refused to read it.

More than 3 dozen emails, calls, and chats, still refuse to refund. Frequently don't answer. Call center cuts off. Supervisors refuse to answer calls. 

I would like any reason not to sue them in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account is reporting on my credit file that is not mine and I have NO knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to login into my Equifax credit report 100 times but they showed me only 1 thing that, Please give us a call we can't complete your request at this time. Please call the Customer Care team. When I submitted the Complaint to CFPB they informed me that I opened an account in Equifax credit bureau and login into my credit report and removed the security freeze and dispute inaccurate accounts from my Equifax credit report or check my credit score. 

But when I tried to login into my Equifax credit report they showed this message that we can't complete your request I can be called them when I called them they said that they need to verify me and to verify me I want to fax my copy of driver license or social security card so they made money by selling them to marketers. As like in XXXX they sell billions of people 's data online and FTC sued Equifax for $ XXXX   but after that, this fraud bureau asked to send people 's information to them by fax or email.
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 proces : 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 ( 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: Checking or savings account

I received an email from Netspend welcoming me to my " new Flare Account '' and informing me that my debit card should arrive in 5-7 business days. I emailed the company 's support, concerned about fraud, and was told " Flare Account relies on marketing services as a source for reaching potential new customers. '' This is not an acceptable answer as, by their own words, they already proactively opened an account in my name without my knowledge or consent. Additionally, when I tried the " forgot username '' link on their website, I received an email with an online username, seemingly confirming that they did in fact open an account for me. I have had no prior business relationship with this company and have opted out of information sharing with all companies I knowingly do business with. They also stated " We also only send offers to consumers who have indicated they are over 18 years of age. '' This is factually incorrect as I never provided them with my age. 

I have worked in finance myself for almost a decade and am quite familiar with the regulatory and compliance requirements for opening an account. This company is either fraudulently and illegally opening accounts for people unsolicited or is fraudulently informing people that accounts have been opened for them as a marketing tactic.
Product: Credit card or prepaid card

XX/XX/XXXX - present I called XX/XX/XXXX to inquire about XXXX benefits on this card after realizing my interest rate and becoming aware I was entitled to benefits as an XXXX XXXX spouse. 

I spent over an hour today with Synchrony Bank ( Amazon Store Card ) to follow up on the request that my XXXX Benefits be applied retroactively as prescribed by law. They gave me two incorrect phone numbers- and eventually told me that there is no one to speak with regarding the issue. In the last year of statements alone, interest above the stipulated cap is {$910.00} which needs to be refunded to my account balance. I have requested historical statements so I can calculate the amount of interest that needs to be credited back to my account. This is disappointing that one of the largest retail credit issuers for store based cards has no transparency or process. Other creditors ( XXXX and XXXX ) have handled this request in the matter of minutes.
Product: Credit reporting or other personal consumer reports

There r names on my credit report. Transunion my address says Georgia. Please help take that offf as it is not my address. Also on XXXX  it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on XXXX the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXXXXXX XXXX XXXXXXXX California, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with XXXX and need help to protect my identity. I had fraud which caused me to close debit card and XXXX XXXX  loss and had XXXX XXXX  lost in XXXX  account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling XXXX  and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from XXXX and fraud. It also caused me to not have a credit report score and I was denied a XXXX. Thanks
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union sold Consumers account to XXXX. At the time XXXX purchased this account, the balance was {$10000.00}. Consumer was given notice by Navy Federal Credit Union of the assignment of the account and the balance due. Shortly after the assignment, XXXX sent a letter notifying Consumer of the assignment to XXXX and its internal account number XXXX. This account was just recently acquired by XXXX. Validation will be sent promptly. Additionally, the case cited by Consumer has nothing to do with purchased debt as suggested. Based on the foregoing, XXXX is closing this complaint. 


This entire statement is false, seeing as there is an active cease and desist in place with Navy Federal. By law they can not contact me. I also requested from XXXX the following information. 
Under the FDCPA, consumers have the right to request verification and disclosure of debt information, including the amount paid for the debt. Here are relevant sections : 1. 15 U.S.C. 1692g ( a ) ( 1 ) : Debt collectors must provide, within 5 days of initial communication, a written notice containing : - The amount of the debt. 
- The name of the creditor. 
- A statement indicating the debt is assumed valid unless disputed. 
1. 15 U.S.C. 1692g ( b ) : Consumers can request verification of the debt within 30 days of initial communication. Debt collectors must provide : - Validation of the debt.

- The amount paid for the debt ( if requested ).

1. 15 U.S.C. 1692g ( c ) : Debt collectors must cease collection activities until verification is provided. 

To exercise your rights, submit a written request to the debt collector via certified mail, requesting : - Verification of the debt.

- Disclosure of the amount paid for the debt.

Itemization of charges is not verification of debt. Please send documentation containing my wet signature.
Product: Debt collection

This medical bill randomly popped up on XXXX XXXX with the amount of {$930.00} I have not been anywhere to do any medical to owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX and was denied. I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, stating that I was denied credit due to low credit score of XXXX and they based their dictions on information gathered from TransUnion XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX. Ph # XXXX XXXX XXXX. My score is XXXX and I just purchased a new home.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of several accounts and inquiries that have appeared on my credit report as a result of a recent data breach. As I am a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to have information related to fraudulently opened or used accounts blocked from my credit file. 
Fraudulent Accounts and Public Records Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o XXXX : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024, I opened a checking account with Wells Fargo Bank at [ branch location or online, specify which ], where I provided all required personal information accurately, including my social security number. A copy of the customer receipt from the account opening, which I retain, clearly shows the correct social security number as provided. 

The following day, XX/XX/2024, I set up online banking and updated my contact details to include an additional phone number, as my initial XXXX XXXX number was not accepted for verification purposes. 

On XX/XX/2024, complications arose : I attempted to verify my identity over the phone using the last XXXX digits of my social security number and was informed that the digits did not match their records. Upon escalation to a second-level support staff, it was disclosed that the last XXXX digits of my social security number had been recorded in reverse order in Wells Fargos system. 
Additionally, on the same day, I tried to file a XXXX form online as part of opening a brokerage account. The automated system also rejected my correct social security number, claiming it did not match the records on file. However, when I reversed the last XXXX digits, while keeping the first XXXX digits in the correct order, the automated system allowed me to proceed. I did not complete the filing with incorrect information and aborted the process. 

These incidents indicate a severe mishandling of my personal data between XX/XX/XXXX and XX/XX/XXXX, and such errors not only raise significant concerns regarding data security but also violate federal regulations concerning the accuracy of customer information. Despite notifying Wells Fargo of these mistakes, the bank has yet to amend the error. 

I am seeking the CFPBs assistance to ensure that Wells Fargo conducts a full investigation into how my social security number was incorrectly processed and to compel the bank to correct my personal information in their records. Additionally, I am requesting that Wells Fargo take appropriate measures to prevent such occurrences in the future and provide a formal apology for the inconvenience and potential risk this situation has caused.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report to improve my credit and better manage my responsibilities. While reviewing it, I came across a few accounts that I would like more clarification on.

I'm not stating whether these accounts are being reported accurately or inaccurately ; Im simply unsure. I've also read about the Fair Credit Reporting Act, which affirms my legal right to challenge any information on my report that I need further clarification on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My date of birth have been changed on my XXXX report. My employers have been changed also. From XX/XX/XXXX-XX/XX/XXXX, my last employer was XXXX XXXX. My first was with XXXX XXXX, next XXXXXX/XX/XXXX- XX/XX/XXXX. XXXX and XXXX  's from XXXX-XXXX. I was employed with XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX.THE SOCIAL SECURITY DEPARTMENT have written a query for me with my EIN numbers from all my employers. To prove who I am. XXXX  refuse to correct their data base. This is how utilities was being stolen. The FBI told me this is an inside job. The US Attorney General office told me the same thing. The entire XXXX XXXX abused your services by stealing my identity. My birth certificate was copied, drivers license, & social security card. I 've to do a lot of research. They 've placed a seven year fraud alert on my credit report. This was do to prevent me from learning who was involved with theft. My late father social security number is being abused. XXXX XXXX is stealing my mail. She 's working with the XXXX XXXX XXXX. My father 's name was XXXX XXXX. XXXX lived with my late father, she 's nothing to me & should n't be touching anything that belong to me. XXXX XXXX made copies of my mortgage papers with my signature. She was on e employed with XXXX & had access to XXXX XXXX. This is how the family got so close to me to gain access of my information. They also stole my mail through the XXXX XXXX XXXX XXXX. XXXX XXXX once worked for the XXXX XXXX in XXXX. She moved to XXXX after they had my father 's XXXX XXXX. This is a very dangerous family, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is an employee of XXXX XXXX XXXX XXXX XXXX. XXXX is also working with the XXXX XXXX. I 've reported this theft to you several times. At the time I did n't know all of my personal information was changed at the credit level. I was established and I had no reason to apply for credit.
Product: Credit reporting or other personal consumer reports

XXXX ran my credit without my permission. I have no knowledge of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$670.00} I have contacted this company a numerous of times to remove this. I have a police report on file from being a victim of identity theft. Please furnish the original contract
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Checking or savings account

i got 1099-int form for {$300.00} from citi for the year XXXX but i never had an account with them in XXXX. i had it in XXXX and i had already paid the tax on the {$300.00} interest for the tax year XXXX. i am shocked as to why citi sent me the form for XXXX. 

i called the citi banking number and the agent on the phone said to ignore it. i then argued that if i ignore, irs will come after me for not paying tax. he then asked for all my information and said the information does not match and suggested me to go to a bank location which is 100 miles from me instead of trying to help. he was reckless/careless/irresponsible/unprofessional.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Utility multiple services ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX 2022
Product: Debt collection

This company Suntrust bank who I owe money on a loan ( but is being negotiated with a debt settlement company ) called my job and my manager answered. I believe that this is illegal and will put my employment in jeopardy.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed some instances as to where it is reported wrong and a handful of late payments. The Credit reporting agencies should be going thoroughly with the most accurate information before the credit is publish. For this student loan i have never missed a payment for. I have proof that on an account that is linked to it, my credit report shows that I have never missed a payment for. I request a more thorough investigation as to why this is being reported on my credit report inaccurately, such statements, showing the late payments. If there is some reason this proof can not be given, I request these late payments be removed and updated on my credit report as I have been consistent with all of my payments on time.
Product: Credit card

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at [ Your Email Address ]. Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.