23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
Product: Student loan

To my under standing XX/XX/XXXX through XX/XX/2020, the interest rate is set to 0 % and payments are suspended for student loans owned by the federal government and the federal student loan servicer should suspend all interest After viewing my fedloan account XX/XX/2020 I noticed that fedloan charged me interest for the month of XX/XX/2020 as well as XX/XX/2020 stated above 0 % interest was to be implemented starting XX/XX/2020 my payment of {$660.00} was paid on my due date of XX/XX/2020 payment was not applied to my account until XX/XX/2020 and with interest My payment made on XX/XX/2020 XX/XX/2020 Payment {$660.00} principal {$180000.00} This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$160.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$250.00} DIRECT UNSUB    CONSOLIDATION LN interer charged {$240.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 Payment {$660.00} principal {$180000.00} Payment - XX/XX/2020 This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$170.00} DIRECT  UNSUB CONSOLIDATION LN interest charged {$260.00} DIRECT  UNSUB CONSOLIDATION LN Interest charged {$220.00} There's no difference in the principal an if interest is not being charged I should see my principal going down as you can see the principal for XXXX remain the same big discrepancy.
Product: Debt collection

The person serving this Affidavit of Service ( XXXX XXXX ) committed fraud by reporting that this subpoena was served to me. 

This subpoena, resulted in a default judgment against me for {$34000.00} in the Supreme Court in XXXX County, XXXX, NY XXXX. 

I was never notified regarding this subpoena or the judgment. 

XXXX XXXX swore to a Notary Public that he legally delivered this Affidavit of Service to me. There are at least XXXX illegal statements on this subpoena. 

Now I have a Income Execution that was sent to my employer demanding the deduction of {$250.00} a month from my income.
Product: Checking or savings account

My identity was stolen and a bank account was created and there was an amount for {$35.00} owed to US BANK without my knowledge US Bank corporation Date Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Charge Off Closure Status Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXXk Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Debt collection

XXXX filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax since XX/XX/2021 about XXXX XXXXXXXX inquiries on my credit report XXXX XXXX sent me a letter saying that they sent Equifax a letter also telling them to remove the XXXX XXXXXXXX inquiries from my credit report as well as I sent them a copy of the letter XXXX times they still have not removed the inquiries even though XXXX XXXXXXXX the ones that put it on there requested they take them off
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize, please delete these inquiries and update my personal info
Product: Debt collection

Complaint Against : Harris and Zide This complaint alleges that Harris and Zide violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by filing a lawsuit against me without proper notification. 

Specific Violations : 15 U.S.C. 1692i ( a ) : The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written notice of their intent to collect a debt before taking any legal action. Harris and Zide failed to do so in this case. 
I never received any written notification from Harris and Zide regarding the debt or their intention to sue. 

This lack of proper notification prevented me from exercising my rights to dispute the debt or negotiate a settlement before a lawsuit was filed. 

I request that the CFPB investigate Harris and Zide 's debt collection practices and take appropriate action, including : Ordering Harris and Zide to dismiss the lawsuit against me.

Ordering Harris and Zide to provide me with a proper written notice of debt collection.

Awarding me any damages caused by the lack of proper notification.
Product: Money transfer, virtual currency, or money service

I am filling 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 filed 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 Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2019, I bought a tank of gas from a gas station in XXXX, XXXX XXXX XXXX with an XX/XX/XXXXXXXX credit card underwritten by Bank of America. I understood the correct charge to be USD XXXX but my credit card was charged USD XXXX, 100 times the correct charge for a tank of gas. I reported the fraudulent charge to Bank of America. They delayed processing my fraud claim, switching the claim to a billing dispute months after I had reported the fraud, and then proceeded to rescind the charge and reapply the charge multiple times. I have spent hours on the phone and spoken to 11+ fraud and billing dispute representatives to no avail. I have refused to pay this fraudulent charge and so of course my credit score has been decimated, going from excellent to poor. I need assistance.
Product: Credit reporting or other personal consumer reports

I applied for a loan using a agent or broker XXXX XXXX email XXXX XXXX FINANCIERA CAMPEON LLC DBA CHAMPION EQUIPMENT FINANCE located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX to find me a lender who finances commercial vehicles. They sent me an application that I filled out and submitted approving a credit inquiry. My credit was pulled and I was notified by the three major credit agencies XXXX, XXXX, and XXXX. That was expected as I approved the application. The agent did not notify me that the lenders he was working with declined my application after over two weeks of underwriters reviewing my application. On his own or with the authorization of his superiors he used my sensitive information that I submitted to them electronically with my initial application and submitted a new application for credit several weeks later to a new lender without my knowledge or consent for no other reason that I can think of other than to attempt to secure his commission if the new fraudulent application was approved. I would not have approved of another credit hard pull so soon had I been notified and given the suggestion to try another lender. My credit has now been adversely affected with the new inquiries and I am currently in the process of trying to get it removed but these cases take much time of back and forth and is very inconvenient. I was forced to subscribe to credit lock from all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorise these hard inquiries in my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The Credit bureau is : TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I initially reported all of the fraud on my TransUnion credit report on identitytheft.gov, and according to the FTC 's instructions I sent TransUnion a letter indicating which debts were not mine, and that I was a victim of identity theft. I received a letter from TransUnion indicating that they will not investigate the identity theft and fix my credit report. I spoke to someone from the FTC and they said that under FCRA ( a ) " Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. " I literally fulfilled all of the 1-4, and even provided the FTC identity theft report. According to them in FCRA B, they rescinded to block the fraudulent information. Honestly, I don't know why they did this, and I didn't benefit from this fraudulent activity. My credit is ruined, and my home buying process is delayed due to this experience, and my credit cards have been affected by reducing my credit line. All of this experience has been horrible. Today I called TransUnion customer service due get clarification to this letter, and the agent advised me to get letters from each creditor, and send it to TransUnion. As of date, I have not received any letters from any of the creditors to fix my credit report, and as a private company all TransUnion does not follow FTC rules. Also, under FCRA 605 C, " ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' Seriously, how could an identity theft victim receive any benefits? My credit report is wrecked, and TransUnion refuses to follow the law to recuperate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed in XX/XX/2022 it continue to report late also losing points they are reporting monthly I have made multiple disputes 5 to be exact on both credit bureaus and directly with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED WITHOUT MY CONSENT. I FILED FTC XXXX AND CONTACTED COMPANIES NOBODY IS HELPING ME.
Product: Credit reporting or other personal consumer reports

I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past week they have recalculated my score when there has been no new reports from creditors. On XX/XX/21 score dropped XXXX points I called and spoke to rep and he said he didnt see anything that would cause score to drop. He said it would be recalculated and should be fixed and it was it went back to XXXX on XX/XX/21. On XX/XX/21 it went down XXXX points. Nothing new had happened on account since it went up on XX/XX/21. I called in and an agent was naming off stuff that had been on account for years and I said that shouldnt cause it to drop as those things were there when it went up to XXXX. Then they said well give it a few days and see. Well that would mean they are recalculating scores more than 3 times a month which can severely affect credit and ability to get things like a house which Im trying to do. They pull credit at the beginning and end of buying and equifax just randomly and superfluously pulling scores or recalculating them and decreasing them erroneously when NOTHING has changed seems almost criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been negative collections and hard inquiries reported on my credit reports due to identity theft I have disputed this collection and inquiries with the credit bureaus yet these collections and inquiries were place on my credit report.
Product: Checking or savings account

I tried to send my sister {$160.00} dollars on XX/XX/2022 using Paypal. ( Paypal transaction ID : XXXX ). The app was offered through XXXX messenger. The money was taken out of my XXXX  XXXX XXXX checking account. But, my sister never received the money. 
I started a formal complain with paypal to recover my money. ( Paypal case ID : XXXX ), on XX/XX/2022. They denied doing anything wrong. Refused to show what bank / account my money was deposited on. As of today,. they have closed the case and even erased all details information.
Product: Checking or savings account

Hello I have been banking with Wells Fargo for a few years now and this is my first time reporting my card stolen. My purse and all the contents inside including my phone and wallet were stolen while I was admitted to a medical facility. My card has been charged in another city that I do not live in. Wells Fargo refuses to reimburse my money. And this isn't the first time I've had problems! I've had to fight them to reverse discriminatory " maintenence fees '' on my checking account during the pandemic
Product: Checking or savings account

In a few cases, Ive had withdrawals from my account that I did not authorize, and when I called the bank, they would reimburse me, but then take the money back, stating that my claim was not legitimate, and in some cases I was charged fees because my account was overdrawn
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX., I received a text from my credit card company - XXXX 's XXXX XXXX XXXX XXXX XXXX - that a fraudulent charge was made to XXXX in the amount of {$860.00} at XXXX XXXX XXXX under my former married name ( my last name changed legally in XXXX, XXXX upon my 2nd marriage ). The fraudulent charge used my address but former name. I authorized XXXX to shut down the account and received a text reply, " Thank you for confirming fraud. We've placed a security hold on your card. Please log in to your account at the website listed on the back of your card, choose Contact Us then Digital forms to access the Fraud Form ''. Which I did. Please note, I have NEVER used or purchased ANYTHING from XXXX. I received notice from XXXX on XX/XX/XXXX by XXXX confirming that the compromised XXXX account was closed due to suspicious activity and a new XXXX card account would be issued. 
On XX/XX/XXXX, I received an invoice from XXXX addressed to my former name but correct address stating that I owed a total balance due of {$980.00}. 
I ignored the statement as I figured that the timing of the invoice was in error and that XXXX had taken care of it. 
On XX/XX/XXXX, I started receiving threating invoices from XXXX regarding the " past due '' amount which had grown tp {$1000.00}. I called XXXX and explained the situation. I attempted to call XXXX again and also contacted XXXX for their assistance. I was assured that the matter was resolved. I called XXXX again on XX/XX/XXXX, spoke with a representative and thought the matter was resolved. However, I received yet another threating invoice from XXXX on XX/XX/XXXX stating that the invoice was my FINAL NOTICE. The amount had grown to {$1100.00}. 
On XX/XX/XXXX, I received a notice from XXXX XXXX , XXXX debt collectors stating they were attempting to collect a debt for XXXX in the amount of {$1100.00}. I responded in writing and mailed back to them in the " I want to dispute my debt because '' space : " I am not ( my former name ). A fraudulent charge was made on my XXXX card. I spoke with XXXX on XX/XX/XXXX. Please cease and desist from sending these notices. This is not my debt. It was made by someone who stole my XXXX card number ''. 
At that point, I assumed the matter was closed. 
However, on XX/XX/XXXX, I received a notice from Maury Cobb , Attorney at Law , LLC as a debt collector trying to collect a debt for XXXX in the amount of {$4400.00}! I responded via the form they provided that stated, " I want to dispute the debt because : This is not my debt. '' I mailed the form and letter back to the attorney and contacted CFPB in a phone call. 
I am very frustrated because I have done all that I can do on my end to stop this. I did not make the charge and yet, I am receiving these harassments. This needs to stop. 
I pay all of my bills on time and guard my Credit Score closely.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX