23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My gym, XXXX XXXX, tried to take my annual fee of {$49.00} out of my account. However, XXXX XXXX 's system had a hard time talking with my bank 's system, even though the money was in the account, and the money was not able to be withdrawn. XXXX XXXX tried twice, and charged me a {$15.00} late fee each time, totalling {$79.00}. 

I disputed the charge when the {$79.00} finally went through, and my bank, Sofi, gave me a provisional credit. Then XXXX XXXX charged it again. I again disputed it and again, was given a provisonal credit of {$79.00}. 

I then went into XXXX XXXX to resolve the problem. They told me that they often have problems with digital banks like Sofi and I should use a credit card instead. I went ahead and paid the {$49.00} with a different credit card, not my bank account, and they waived the late fees for me because it was not my fault. 

At this point, I owed XXXX XXXX nothing, and I assumed the problem was resolved. 

Then, in XXXX, I received notice from Sofi that they discovered no mistake was made with the charges and they were going to reverse the provisional credits and charge my account {$150.00}. 

I provided them my credit card statement showing that I had paid the {$49.00} fee, and I provided statements from XXXX XXXX  showing the fee had been paid and the late fees waived. 

They still insisted that no mistake was made, and proceeded to take {$150.00} from my account. 

I told them that this was theft. Where is that money going? I don't owe it to XXXX XXXX. Who is getting that money? 

They then credited back one of the {$79.00} fees. I insisted they return both fees. Instead, they again debited my account the {$79.00} back. 

They now refuse to communicate with me after stealing {$150.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to XXXX and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made XXXX aware on numerous occasions that I do not consent to e-Oscar or any other type of automated methods. Today is XXXX XXXX and nothing. Sometimes they would e-mail something regarding their dispute or sometimes by mail I guess it's however they feel on whatever day. XXXX has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an XXXX fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We received a letter from CPA, or Credit Protection Association, dated XX/XX/XXXX. The letter said that we owed {$170.00} to XXXX. There was no account number on this form, but it did have reference # XXXX. I called the number on the card, and they asked me my name and date of birth, and they said this matched the person on the account. They also asked if I had received the previous letters, and I told them this was the first correspondence I had received from their company. I told them this was not my account, and then I asked them what the address was that they showed the service at, and I asked the phone number. The person on the line from CPA told me this was for service at XXXX XXXX XXXX in XXXX, MO and the phone number was XXXX, and I called and spoke to a XXXX at that number who said he didn't know anything about the XXXX bill. The CPA representative also said that I needed to file a police report to get this resolved, and told me that they could take payment over the phone if I wanted to pay. I again emphasized that this was not my bill, and that it appeared that someone had used my identity to set up this account. 

We received another letter from CPA dated XX/XX/XXXX. This letter had more information on it, including the account #, XXXX, the disconnect date of XX/XX/XXXX, and the date it was turned over to collections of XX/XX/XXXX. I also received a call from the company which I returned and was admittedly upset. I again told them this was not my bill, and asked if they were sending bills to the other address. The person on the phone told me there was no other address except my home address and denied the XXXX address was even on the account. I called back and asked to speak to a supervisor, who told me the address was on there, and again stated that I needed to fill out a police report. 

I did attempt to talk to XXXX by going to their office on Wednesday, XX/XX/XXXX, and was told there was nothing they could do. They said that I needed to fill out a police report. I started a police report on that day, and completed it the following day. The report is with the XXXX Police Department at XXXX, and I completed it with Officer XXXX XXXX. 

Currently my wife and I are trying to refinance our home, and this has caused our credit score to go from XXXX to XXXX. I found this out on XX/XX/XXXX as well while inquiring about loan options. This was how I realized this was a legitimate collection agency.
Product: Money transfer, virtual currency, or money service

The company has ignored my request regarding the unauthorized transaction repeatedly... I XXXX  XXXX  thru XXXX  and notified them within 15 minutes of the pending authorization posting to my account... I had the card on my person and absolutely no association with the transaction associated with the unauthorized debit to my Cash APP XXXX.. 

CFPB IS DOING A GRAVE DISSERVICE IN ALLOWING LAX OVERSIGHT AND ADHERENCE TO DISPUTE RESOLUTION FOR CARD PYMTS AND INADEQUATE, IMPROPER PCI/DSS PERFORMANCE .... XXXX  SHOULD PULL THEIR PROCESSING AGREEMENT AND FORCE SWUATE/BLOCK TO FIND A REPUTABLE BANK TO HOLD THEIR FUNDS AND RECEIVE! /PROCESS THEIR TRANSACTIOONS I HAVE BEEN WAITING ALMOST 10 DAYS TO HAVE THE FUNDS CREDITED BACK TO MY ACCT ... XXXX XXXX  CHAT SUPPORT FORCES THE ACCOUNT HOLDER TO ATTEMPT RESOLUTION WITH THE MERCHANT THAT PROCESSED THE TRANSACTION PRIOR TO ALLOWING YOU TO FILE A DISPUTE - THAT MEANT 4 DAYS BEFORE THEY EVEN OPENED A CASE AND ONLY THEN AFTER ALMOST 10 CONTACTS ATTEMPTING TO RESOLVE
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out to XXXX, equifax and XXXX. here my tracking XXXX however its been XXXX  days and the credit bureaus failed to send my investigastion back. this is not making any since.
Product: Credit card

I have applied with Discover credit card on several occasions using the pre qualify link. Once you enter your information it comes back and says personalized offer for you. I have then completed the application to see if I qualify. The message then comes up denied. I then had a friend apply who has a much lower credit score than me and it still came back as this is the personalized offer for you. Once they applied it came back as not approved. I feel that discover is just getting people to apply while they already know the person will not be approved. This causes hard inquiries to post to individual 's credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company has called 14 times in 3 weeks. 

Everytime they call, they do NOT identify themselves as a debt collection company and only ask for random names. The names change every time. 

I have asked to be removed from their call list as they are calling a BUSINESS line that hs been mine for 7 years - they refuse. I spoke to a rude man named " XXXX '' and then " XXXX '' and " XXXX '' all who are incredibly unhelpful. They also use tactics that do not disclose they are a debt collector - they say they are a resources and receivable company. 

I explained that I am filing an CFPB complaint and they told me " Try me ''. 

So here I am!
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I spoke with National Credit Adjusters on XX/XX/2021 to submit a Dispute explain that the credit card from TOTAL bank card is not mine and i have been a victims of identity theft. and submits a Verbal Dispute with one of the agents which they informed me that it can take up to 30 days to be resolved. i gave them about two weeks and called them back as a curtesy not agreeing the fault of the debt but to pay in good faith for it to be removed from my credit report. One of the agent explain that in order to pay or to settle the account i will have to agree for fault of the debt and cancel the dispute I submitted. I disagree and disconnect the call and waited for the dispute to be finalize. today XX/XX/2021 i spoke the Manager on duty her name is XXXX XXXX and informing that i have not received any of the dispute status by mail or a phone call to let me know what will be the next step of the process. i Explain it has past more than 30 days and i have gave them additional time for my dispute to be finalize with a outcome. and request to the collection to be removed from my Credit report because they are not being communicative and because the dead line for a dispute response. XXXX become really aggressive and demanding asking me for additional personal information. and i didn't feel comfortable anymore. I requested again for them to remove the debt from my credit report and said i have received just know all the information i will mail it out as certified mail to the address on file and that she needed from to confirm my address. i said i don't fill comfortable anymore providing you any personal information. and denied. i just wanted to help me to secure my identity to complain with the regulations which they are not in compliance. XXXX informed me that National Credit adjuster don't follow the same policy 's and regulation with the customers as they follow with agency 's. I have been trying to be on top of this account from the past year and they are not responsive. and i need from them to remove me form there data base. please see below all the information. Called again to get additional information of the account spoke with XXXX XXXX. and informed that XXXX never notated the account in regards the Encounter we had today XX/XX/2021. 

Company Name : National Credit Adjusters Acc # XXXX Balance {$420.00} ph # XXXX Charllote Manager- XXXX  XXXX
Product: Debt collection

General revenue corporation called my phone and I couldnt answer at work they left a voicemail. Then proceeded to call my husband. I did not give them permission to contact my husband or inform him about any debts
Product: Credit card or prepaid card

I have a Visa credit card with Bank of America that had a small balance on it. They offered me a attractive zero interest balance transfer offer, and I transferred some medical bills to this card. As per the Credit Card Act of 2009, higher interest balances on the same card are to be paid first. Bank of America refuses to put any part of my payment towards the high interest rate balance. They are putting 100 % of my payment towards the 0 % interest balance, and have been doing this for 5 to 6 months. I have complained to their customer service and to the local branch office with no results. They are breaking the law, and probably with thousands of accounts.
Product: Payday loan, title loan, or personal loan

I made a purchase at XXXX for a XXXX dishwasher. I was going to pay cash but this would have put me in a bind financially until I got paid again.When checking out the store clerk told me about their credit program to get it financed. I was to make payments of XXXX and my final pay off date would be XX/XX/2018. If I wanted to pay off the loan or lease sooner I could call the company after 3 payments. I thought this sounded great. I was unaware they would continue to bill for XX/XX/XXXX through XX/XX/XXXX. I then called the leasing company several times, Why Not Lease It. The company 's representatives stated the best deal that they could give me was XXXX off which was the XX/XX/XXXX payment, if I paid XXXX in XX/XX/XXXX and XX/XX/XXXX. Of course, I agreed since that was the best that they would help me. I wish I have never chose to lease the dishwasher because I've paid XXXX over what I initially signed up for. The instructions on the lease were very misleading and states the payment plan until XX/XX/XXXX. The costumer service agents were very rude and insulting, though I called them 3 times to resolve this issue. They acted like they did me a big favor for saving me from paying another payment of XXXX in XX/XX/XXXX and insulted me because I was upset.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting an incorrect address since XX/XX/2012. The reported address, ( XXXX XXXX XXXX XXXX ), is outdated and inaccurate. This erroneous information is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that consumer reporting agencies like XXXX ensure the accuracy of the information they maintain. Additionally, XXXX 's reporting of an outdated address violates my rights under the FCRA to have accurate information in my credit file. I would like to emphasized that I do not reside at the address mentioned above. Therefore, its inclusion in my credit file is entirely inaccurate and misleading.
Product: Mortgage

We bought a home in XXXX, XXXX with a loan from XXXX XXXX XXXX. In XXXX, XXXX XXXX XXXX  sent a letter advising us of our mortgage being transferred to Lakeview Mortgage and that we would need to make our first payment to Lakeview Mortgage in XXXX, XXXX. 

See attached letter. 

We made our payment accordingly for XXXX, XXXX. 

Then we made our XXXX, XXXX payment on time as well. 

Well Lakeview mortgage has been calling us that we are delinquent, so in late XXXX, XXXX we called to resolve issue. But they told us we had to make the XXXX, XXXX payment. 

We were told our XXXX XXXX, XXXX payment went to XXXX, XXXX and our XXXX, XXXX payment went to XXXX, XXXX. We told them that was incorrect and they said they would investigate and get back to us to call in XXXX, XXXX. 

So comes XXXX, XXXX and we are still getting calls that we are delinquent. So we called again several times in XXXX and no one can resolve our issue. Then they say they are working on it. Yet we receive e-mails saying issue has been resolved. 

Come XXXX, XXXX and the same calling over and over being put on hold and speaking to different employees and supervisors. They request documentation from our bank showing money was withdrawn by Lakeview Mortgage. We have been asked to supply them with documentation and we have always complied. 

Comes XXXX, XXXX we called today XXXX and I was put on hold again and we they came back was told once again that it was referred to a supervisor and that they are still investigating. 

Its been 4 months and they havent been able to resolve issue and we keep getting the run around. Please help we are so stressed out, what was suppost to be a beautiful journey with our new home has turned in the most stressful one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and XXXX note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.