23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just received a letter from a debt collector by the name of Convergent Outsourcing , Inc . They say the creditor is XXXX XXXX. 
Amount {$120.00} Account numberXXXX Convergent account # XXXX I already informed XXXX of this false information because I had received another letter and called XXXX to see what they were talking about. They couldn't find anything and we had determined it was the scammers that had been contacting me since XXXX when I switched to XXXX and when the Cyber attack happened. More they sent a letter that I'm in collections with a phone number, address, and it states no online pay available. I called the toll free number they have on the letter but it is closed today in the XXXX hour on Sat XXXX XXXX. I have not ordered anything new with XXXX ; earlier in the week l when I spoke to the the XXXX expert and gave him the account number he couldn't find any account tied to me. These people are emailing, calling, and texting everyday! It is starting to become confusing when it is really XXXX emailing me. At this point I'm missing out on real, actual emails and opportunities from XXXX without extensive research. They call, text and email all day while I'm at work. It doesn't matter if you block the calls, they will go generate another number. They are and have disturbed the little peace I have left. It has become really stressful while I'm at work and when I'm trying to enjoy my time off with my family. I have more calls and texts from them than I do from people I know. They refer started calling my other numbers that my children have under my account. And they are using local area codes. With XXXX as the caller id.
Product: Payday loan, title loan, or personal loan

I talked to Commerce Bank on XX/XX/2020 and was assured by a representative that my pending loan was canceled. I called to cancel my loan and was assured it was canceled, I got a bill today, because they put it through anyway. They said that record all and therfore the cancelation should be on the recording stating they canceled it as well.
Product: Student loan

I have called numerous times, because they have been calling to get money back. Being a XXXX, all my money goes to bills. I've asked for a different way of paying back the money, but all they said was Forbarence. I was asking for different programs that I have heard about but nothing.
Product: Credit card

CitiBank is showing up on my credit report as opened as of XXXX 2015. This is incorrect information and should be deleted.
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 violates the consumers financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effectively 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 Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

Since the early XXXX 's, members of my family have been loyal customers of Wells Fargo Bank / XXXX, CA branch and continue to hold a Wells Fargo checking account. Since the COVID-19 pandemic came to California in early XXXX, we have struggled with serious health problems while diligently obeying all California ' '' stay-at-home / social distancing '' orders. Obeying Governor XXXX COVID-19 orders, in turn, forced loss of family employment income that caused unprecedented family financial setbacks. We are not alone since many others also have experienced for the first time in their lives the same COVID-caused nightmares now only further aggravated by the alarming new spread of the Delta variant. 

From the standpoint of XXXX, family members, including me, are considered XXXX XXXX to the virus being diagnosed with XXXX XXXX ( XXXX XXXX XXXX-XXXX  XXXX ) and XXXX  XXXX. One family member, with no previous history of XXXX  XXXX, suffered two different XXXX XXXX last year shortly after COVID came to California. This year just last month, this same family member was hospitalized yet again with a XXXX and no longer has a phone. 
Wells Fargo used to telephone harass this now XXXX senior family member but, since this member no longer has a phone, Wells Fargo now repeatedly telephone harasses me. 
Attached are examples of only seven ( 7 ) of the most recent harassing calls from Wells Fargo. These seven calls date only from Wednesday, XX/XX/XXXX through Tuesday, XX/XX/XXXX, and document that Wells Fargo calls from different telephone numbers and, further, that Wells Fargo never leaves voice messages. ( Thus, I do not know Wells Fargo reason for its harassing calls. ) Recently, I too was hospitalized but with a serious XXXX XXXX XXXX and now am XXXX, unable to XXXX  or XXXX. The overwhelming stress caused by Wells Fargo non-stop phone harassment is causing me not to sleep and prescription antibiotic medicines less effective in healing my foot wound. 

National news reports that Wells Fargo continues to be a struggling bank but this does not excuse Wells Fargo from illegal telephone harassment of loyal customers who themselves are struggling with COVID-caused financial hardships complicated by COVID-caused health setbacks that force hospitalization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL BELOW XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Fraud ACCOUNTS : Need removed BELOW. 


XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Checking or savings account

Being charged overdraft fees when the money should be in my account also being charged overdraft fees or protection fees for oops protection daily anytime I use my card
Product: Credit reporting or other personal consumer reports

I cam across the CFPB Experian Lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

Please delete these accounts from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

In a previous complaint, CFPB # XXXX, I alerted the agency that TransUnion was not acting in a lawful and competent manner in dealing with an identity theft complaint. The company - naturally - responded that they'd need 60 days to respond to the properly and lawfully submitted complaint but gave no valid reason as to why they needed to further violate the XXXX business day timeframe for blocking as provided in FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Credit Reporting Bureau XXXX had been served with the same documents as TransUnion and XXXX and promptly and lawfully blocked the information as provided by FCRA 605B ( 15 U.S.C. 1681c-2 ) on XX/XX/year>. This block was submitted by XXXX to TransUnion and XXXX through their information sharing. 

On XX/XX/year> TransUnion sent an updated " secure email '' and credit report that the fraudulent items were removed. However, on XX/XX/year> I received a canned letter via US Mail showing TransUnion WOULD NOT comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) without showing a valid, legal, or specific reason. 

As of XX/XX/year> TransUnion is now reporting the previously deleted/blocked information again, violating my legal rights and causing undue financial hardship. When trying to use the website indicated ( service.transunion.com ) I am still unable to access my report, change fraud alert or security freeze status, or dispute inaccurate information. TransUnion appears to be taking retaliatory and discriminatory action against me for the lawful filing of complaints for their flagrant and egregious violations of the law. 

Accordingly, this updated complaint is being filed and I will be seeking damages from TransUnion, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/XXXX I submitted the Income Driven Repayment paperwork to MOHELA. I ended up making a payment on XX/XX/XXXX that was not updated to reflect the new IDR. When the next payment came up for XXXX, I reached out through a phone call with the customer service department to check on the status of my application. They placed my account in a month long administrative forbearance to give my application more time to process. When the XXXX payment came due I called MOHELA again on XX/XX/XXXX. They stated that my application did not process because I was switching IDR plans and there was a {$5.00} service charge. That charge had recently been waived for any person in this situation so they were going resubmit my application without that charge and things would be processed. My account was placed in another administrative forbearance. When I looked for updates on my account in kept showing that it was still " Pending Income Driven Repayment Plan Request. '' When the XXXX payment was coming due and no update to the plan was made, I called MOHELA again on XX/XX/XXXX and was told that my application was cancelled and never resubmitted. Through a 2+ hour phone call, they resubmitted my application for my IDR. On XX/XX/XXXX, I received an email stating it could take up to 90 days to process this application. My payment is again coming due and since this has been an ongoing issue to process my application, I am wondering what steps I can take to make sure that this is processed. I want to begin making the appropriate payments so I can move forward in my public student loan forgiveness payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and the Bureaus have not corrected the errors on my report. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt hasn't been updated. I demand these accounts be blocked, deleted and removed from my consumer report. These negative and derogatory items are impacting my personal goals of buying a house and starting business ventures. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are keeping me from doing so. This is very unfair.
Product: Debt collection

I was renting a salon space from  XXXX   XXXX  inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a   XXXX   balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe  one  month rent plus late fees. I never once received a bill. I requested my statement from  XXXX   XXXX  before I made any disputes. My billing statement was closed out  XXXX  owing {$250.00} fore cleaning and repainting fee. I moved out in  XXXX  no where on the bill was I charged for  XXXX   XXXX  rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month before I moved, I went to XXXX XXXX XXXX for a living room set. I was offered financing and they ran my credit for furniture they initially told me I would have by the first week in XXXX. I moved XX/XX/XXXX. 
Shortly before moving a received a call from XXXX XXXX XXXX that my furniture was delayed and on back order. I asked if I came in and made different selections would that help get my furniture sooner, and I was told yes. I went and selected all new furniture. I was told I would have everything by the end of XXXX. Now XXXX XXXX XXXX is saying they only have half of the couch ( which is extremely odd ) and an ottoman is on back order and now I won't get the items until some time in XXXX. I want American First Finance or XXXX XXXX XXXX or someone to remove this inquiry from my credit report so I can go elsewhere to purchase with financing. These people ran my credit for something I never received and they likely are never going to give to me.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B mandates us to eliminate any incorrect accounts on my credit report. Would you mind checking the documents? Some accounts are inaccurately reported with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that certain accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. XXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries : XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX : Also Known As : XXXX, XXXXXXXX XXXX  Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I am reporting an identity theft case. I disputed the fraudulent account and informed the credit agency as well the bank/collection agency ! 

It was confirmed by the bank, that the account was not affiliated with my information. Allegedly, the account was opened in 2018 with my brothers name and address the account did not even indicate my name or address. 

My brother has and never had any access to my social and is willing to file a report if needed. We believe we got hacked and someone used my social and his name and address to open said account. 

The collection agency is drs and I was reported buy XXXX XXXX for {$680.00}. Despite the different name affiliation the collection agency is refusing to inform XXXX XXXX that the account was open with a different name and XXXX XXXX refuses to help me unless the party who reported me confirms said information. 

Meanwhile, my credit is being damaged because the bank is refusing to drop the account bank confirmed wasnt in my name! 

I disputed this account and explained the situation and XXXX XXXX wrote me a letter that the collection agency claim that the account is legitimate! 

I disputed this account again and explained the situation once again how can the account be legitimate if its not even opened in my name
Product: Checking or savings account

I have reported issues to retire money from atm machines at any banco popular of XXXX XXXX facility atm withdarwal limited to only {$200.00} intead of {$500.00} which is the XXXX XXXX  Popular makes this decision for no reason and never notifies me ; then it blocks the funds and I am not able to withdraw money from my account this is a very frustrating and embarasing situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Product: Checking or savings account

Chime bank has let a company called XXXX charge my account {$2300.00} over - 4 month period. The charges are all Fraudulent Ive never heard of this company. Chime has credited me XXXX in charges from this company but not the remaining amount. Ive asked chime for Documents from the investigation and they only sent me a intake form which the rep that did the form input incorrect information. She failed to notate my phone was hacked and my identity had been compromised along with my phone. I reached out to XXXX who stated they didnt have any information of an account from me in my name and they told me to dispute with my bank and have my bank refund the charges. Chime has failed to refund my charges and will not give me A reason of why it was denied they only sent my a intake form. They have failed to state certain information that chime has to provide on the denial letters ( such as terminal location/transaction location, type of transaction XXXX XXXX XXXX XXXX XXXX XXXX ) name of financial institution that initiated charge ) they had none of this in the denial reason. They also misstated what i said in my dispute.this company is not adhering to the regulations
Product: Debt collection

I believe Midland Credit Management , INC violated the FDCPA by publically serving me a summons for a debt they failed to properly attempt to collect on in my native language. Midland Credit Management , INC has been sending me letters in the XXXX  language. 
I do not speak, or read, XXXX. Why would I think anything mailed to me in XXXX  is an important document that I would be required to respond to? I also received numerous calls from someone speaking XXXX, I am now under the assumption that was Midland Credit Management , INC . I embarrassingly had a police officer show up at my door serving me a summons for a debt I did not know existed. The debt has NOT shown up on any of the three credit bureaus, XXXX, XXXX, or XXXX, reports. 
How are they able to cause stress in my life by serving me a summons when they did not properly communicate with me in English? I think this is an extremely deceptive practice.