23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and XXXX XXXX, XXXX, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX XXXX XXXX. This company bought my debt from Wells Fargo. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with Wells Fargo but XXXX XXXX XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the company who either bought my debt or a collection agency and Wells Fargo, the original debtor.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in the year XXXX I started school at the University XXXX in XXXX. I took a very small load of classes at the time. I have to mention i am from XXXX, Texas XXXX. While I was attending at the Universtiy XXXX in XXXX. My Families home was hit by Hurricane XXXX so i told all my professors that i am going back to TEXAS. I also filled out the proper paperwork at the registar 's office to withdrawl from the University. So i was told everything was good and i had withdrew from the University the correct way. Anyways when i got to Texas and was helping my family with all the difficulties of the hurricane. I started getting puhone calls and letters from Navient i have repeated my story to them with no help ... This has been going on for a long time.. They keep re-appealing this case and the interest just keeps going up??? What can I do?? The President had declared my families Home a disaster area!!
Product: Credit reporting or other personal consumer reports

You are in violation for reporting an unverified account on my credit report. I am not the owner of account XXXX XXXX XXXX XXXX XXXX. I submitted a BBB complaint notifying you of this inaccuracy and submitted an FTC report which was submitted via XXXX. My FTC report number is XXXX. I did not authorize this account to be taken out in my name nor does it relate to anything I did. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Product: Checking or savings account

I've been using Skrill for about 2 months. Around 1 month ago, my account got restricted because they wanted to verify the statement of the card I use to fund that account. 
I provided it, it was approved a few days later, but as soon as I tried to login, the account was restricted saying it had to be reviewed. About XXXX weeks later, with funds stuck in the account, it gets approved. 
I then continue using the account normally. 

Then XXXX weeks later, I get an email saying my account is closed. The only thing that happened differently was that the day before I got the account closure email, I had a " Feedback request '' to which I responded honestly, saying that Skrill is very erratic and non transparent. It will restrict my account without reasons adn when I ask what happened, they would not tell and just hide behind " for security reasons '' as blank check for anything.

If it's security, tell me to verify identity, tell me to update or send a document, but the constant excusing is very non-transparent for a company that deals with individuals money.

Skrill is clearly retaliating me for providing an honest feedback to their platform.
Product: Credit reporting or other personal consumer reports

Subject : TransUnions Failure to Conduct Proper Investigations Details of the Complaint : I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) by issuing generic responses to my disputes without conducting a proper investigation. 

Here are the details of their responses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In each response, TransUnion did not verify the accuracy of the information reported on my credit file or confirm compliance with Metro 2 reporting standards. They appear to have relied solely on creditor-provided information, which is insufficient and violates 15 USC 1681i . 

I am requesting the CFPB to investigate this matter further, as TransUnion is engaging in a pattern of noncompliance with the FCRA. I demand that TransUnion : Conduct a thorough investigation into my disputes. 
Provide proof of their compliance with Metro 2 reporting standards. 
Remove any unverifiable or inaccurate information from my credit file. 
This ongoing issue is causing me harm, and I ask for immediate assistance in resolving this matter. 


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

I HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A  PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET XXXX  TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A XXXX  ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD
Product: Debt collection

HP Sears has reported a debt that does n't belong to me to all three credit bureaus, and has failed to validate or delete the debt. I sent a certified letter by mail in XX/XX/XXXX and then again in XX/XX/XXXX and as of today they have not responded. the alleged debt was said to be opened on X/X/2017 for XXXX for services rendered at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 credit card accounts open between the years 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  - {$850.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as 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: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  POLICE REPORT, SOCIAL SECURITY, IDT THEFT REPORT
Product: Debt collection

They have been calling family members, causing them unnecessary worry, and making calls to me at all hours of the day and night. Completely unacceptable!!!
Product: Debt collection

XXXX XXXX is a debt collection agency. I have never had a contract with them and they sued me for an old credit card. The amount sued for is over double what the credit card limit for the card was. I spent hours drafting and fiiling an answer. Then I spent hours more answering other things questions they sent. I filed all answers with the court. I took off from work and showed up in court because I had not been informed that they had filed a nonsuit. In the mean time I moved. They filed suit again. Again I filed my answer with the court. Again I took off from work, sat through every case and was not called. I asked the court clerk why I was n't called. She said I was rescheduled for XXXX. I asked if I would get notification in the mail, she replied affirmatively. In XXXX XXXX, I called the court to get my court date. I ca n't remember what day it was. However the judge who had been previously assigned the case passed away. Two days before my court date I called about my case, they said that the judge had signed a judgement against me. I had recalled getting a letter from the law firm Cavalry that they had sent to, the judge saying that I did not answer their lawsuit. I did answer it, and I knew, my answer was on file. I also sent the answer registered mail and have the receipt. I thought the judge would look and see that or leave it til court. He did n't. I called the court clerk to complain. She said, I, would have to pay them, {$10.00} for a, transcript plus the judgement amount before i could appeal it. I did n't have that much money. So ever since the company, who should have never had the right to, sue me in, the first place has caused me, a ton of stress and XXXX that led me to quit my job. I since started working some place new, for half the salary. That has caused me a lot of XXXX as I am, struggling to pay for the basics now. But now they 've found my new job and are attempting to garnish the little money that I make. Their lie worked somehow. 

They are n't owed any money by me. If they bought my debt for {$50.00}, then I 'd gladly pay them that amount. But they have wasted a lot of my time and resources and misrepresented themselves and me in a letter to, the judge. They never intended to show up in court. They continually rescheduled or filed nonsuit without telling me hoping I 'd slip up. I knew this and followed all steps to prevent this. I can barely purchase groceries right now. And even, though I pay for insurance, none of us can afford to see a doctor. This makes me want to give up And receive food stamps and government assistance and, subsidized healthcare. How can Cavalry  SPV be allowed to hurt people and the economy this way? I pay and have paid a ton of, money in taxes. What if, in order to support my family because my wages are garnished, I was forced to quit my job to qualify for government benefits? This should be illegal. I have two college degrees and have worked more than XXXX hours a week every single week for the past 7 years just to make it.
Product: Checking or savings account

I have been banking with J.P. Morgan Chase for over 5 years. I have a personal checking and savings account and a business checking account with J.P. Morgan Chase. Currently, 98 % of my funds are with Chase and all of my business funds go into my Chase account. I opened a new business savings account on XX/XX/XXXX with J.P. Morgan Chase in XXXX, Texas. On XX/XX/XXXX I received a text message from J.P. Morgan Chase informing me that they had " reviewed your business account ending in XXXX and need more information from you. To avoid disruption to your business, please call us at XXXX or visit a branch by XX/XX/XXXX. '' I also received a couple of calls on that date from the banker that I worked with. I called back on XX/XX/XXXX and was informed that they needed a copy of my Driver 's License. I went into the branch on XX/XX/XXXX and turned in a copy of my license. Once turned in, the branch rep scanned it and returned it to me. After returning it, she casually asked about my social security card, which I did not have. She said she would check and see and they would let me know if anything else was needed. Later that day, I spoke with the banker and he let me know that compliance needed a copy of my Social Security Card. After discussion, he updated my address and told me that that may do the trick. I didn't hear anything else until today, XX/XX/XXXX when I went into the branch to make a deposit. While in the branch, I spoke with the banker who informed me that a copy of my SS card would still be needed. I informed them that I had lost the card and needed to request a new one. It would take 2 - 3 weeks for me to receive a new card, so I asked that I get an extension. Unfortunately, they were not able to provide an extension, but gave me a number to compliance. I reached out to compliance and they reinforced the XX/XX/XXXX deadline. They told me that there was nothing that they could do and that they have no choice but to comply with XXXX regulations. I informed the rep that I understood, but needed more time to obtain the document from Social Security. My attempts to get an extension were met with no understanding and now my funds will be frozen on XX/XX/XXXX and my account will be closed on XX/XX/XXXX if I am not able to submit the documentation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting or other personal consumer reports

I was checking my credit and I saw collection account in my credit report that I don't recognize. I have been victim of identity theft and some one who has my personal information tried to open credit cards and so on. 
XXXX XXXX XXXX XX/XX/XXXX reported to my report collection account I called them I asked them to provide me a contract with my signature and they couldn't provide and I asked them to remove that collection from my account. they couldn't resolve my issue and I am submitting claim thru here. And some inquiries that I am not authorize that its shoes on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

And one more thing according to 15 USC 1681s-2A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment bellow
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gave XXXX XXXX XXXX, experian, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this late payment off my credit from XXXX, XXXX, and Experian. I have not been successful. 

I have received this letter from the creditor ( XXXX/XXXX  ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX/XXXX  # XXXX Please help me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX apparently a dispute was done and I asked multiple times for them to send over their method of verification. XXXX explained to me that all disputes are ran through a automated system and they have no documents proving these accounts belong to me or was I late. XXXX from Equifax explained to me that they were not able to send the documents although the FCRA Section 611 requires credit bureaus to adhere by laws and provide any information obtained during the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about six accounts that were charged off in XXXX XXXX XXXX XXXXXXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with TransUnion, XXXX and XXXX to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money. 

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section XXXX for XXXX XXXX ), the guidelines are strict, I know how it works, I work for XXXX XXXX XXXX XXXX XXXX XXXX myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?
Product: Debt collection

Southwest Recovery Services as its membership organization XXXX have breached confidentiality. A statement was issued for dismissal and was disclosed to the collector for abusive practices i.e. XXXX XXXX XXXX, formerly the membership director. The personally identifiable information disclosed to non-authorized persons was mishandled by Southwest Recovery Services. I often get stalked by Caucasian women wearing black clothing and hair dyed black pursuing me for reconciliation of the amount requested. I have filed police reports for XXXX assault, serious threats of social and political ostracism, and retaliation from the board of governors of the XXXX XXXXXXXX XXXX  XXXX, however, they were dismissed as being sensational. I have been making several reports to the FBI and the Office of the Inspector General ; however, no result has come about, and the stalking and disregard for common law continue -- threats of physical by gang members of assault with the intent to paralyze me and have my cadaver disposed of by drawing it, I've even had Southwest Recovery Services as locals hint at XXXX XXXX XXXX XXXX XXXX XXXX ; which, is the sum of the basis of a claim for asylum filed under the XXXX last Spring.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


Accounts : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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