23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am the author of this complaint I was denied credit so I checked my credit report and noticed that XXXX Bank is reporting a charged off account on my credit report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given XXXX whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as Experian or any other CRAs. 

XXXX XXXX never provided me with documentation notifying me of my right to opt-out of all authorizations and reportings. 

Furthermore, Experian did not conduct a reasonable investigation as required by XXXX XXXX XXXX.
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 manner and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

During the week of XX/XX/XXXX to XXXX of 2023 the temporary manager of the bank informed me they were closing my account XX/XX/2023 without no explanation I contacted a branch supervisor and he said he had no control over it just that the temporary bank manager had authorization to close it XX/XX/2023 my account was closed without no explanation
Product: Debt collection

Saw this on my credit report from NAR inc phone XXXX for XXXX XXXX  services in XXXX Idaho. 

I told them I never had XXXX XXXX in my life and have never lived in XXXX Idaho. 

They said to bad for you
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2018 I started a money transfer overseas to myself ( I 've been living abroad for about a year ) as I have done several times in the past year through Western Union without any issues. Then I received an email asking for a government issue ID which I provided a copy of my U.S passport. I got an email a little later approving the transaction. Then on the day that I was promised that the transferred money would arrive at a local Western Union branch in XXXX for me to pick up I received an email from Western Union stating they were withholding my money. I called the hotline XXXX and spoke with their representative. They told me they needed more information and would want to do an interview with me. I thought that was odd as I have done over 10 transactions with Western Union over the year and had no issues. I requested to know why the interview was needed and the customer rep told me that it was an internal procedure. She then started asking personal questions such as why did I need the money and whether if I was employed and if I had other sources of income. I thought that it was odd for a company like Western Union to ask a customers these questions especially this was not my first transaction and the amount was only {$4000.00}. I told her I needed money to live overseas since I am living in another country. At that point I was fed up with the interrogation and questioning of my own money and what I was gon na do with my money. I do n't think Western Union has a right to ask these questions or if they think they do then they need to list that up front on their website. No where on their website when I did the transfer indicates that they were going interrogate people if they were sending money to themselves.
Product: Debt collection

Pinna cle LLC c/o  Resurgent Capital Services is a debt collector for  XXXX   XXXX . They have never sent me any invoice bearing my signature that I initiated a contract with them for this service they are trying to collect on. I am a current customer of  XXXX   XXXX  and at no time have I ever been informed that I am being held responsible for a debt in the amount of {$980.00}. I have sent certified letters to this company asking for them to verify this debt by sending me a copy of the original agreement or contract bearing my signature that binds me to this debt. In resp onse Pinnacle has sent me copies of phone bills but no contract. According to the FDCPA, a debt that is accrued without a binding contract bearing one 's signature can not be reported to credit bureaus as accu rate information. So therefore Pinnacle LLC is breaking the law by reporting this inaccurate information and the credit bureaus need to be aware of these fraudulent activities because they are also breaking the law by having false information being reported according to the FCRA.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sir/Madam, Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been harassed by a collection agency side 2019, a request for payment from PennCredit Corporation, stating that I owe an amount of {$350.00}, product : XXXX XXXX service date:XXXX creditor : XXXX XXXXXXXX. I have been calling to the number on the letter but no one answers, send an email requesting further documentation such as invoice with credit card used but did not received any response. I believe some else used my name and personal information to purchased this product. I have never contacted this company to purchase the product above.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Debt collection

I have no copy of original agreement or past record of payments I made.the credit card is in default and now being collected by a legal firm. I believe the amount is incorrect, but I have no record of payments as defaulted credit card used for payments. how do i get past statement on a default debt.I was XXXX with a XXXX XXXX and all record were lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from Experian, stating a social security that is not mine, but a fraud! 
I never had social security in United States. I only have XXXX since XX/XX/XXXX ending in yyyy. 

I already sent Experian the letter and documents they requested me over 30 days, and I still have this fraud on my name. 

What should I do since Experian dont respond me? I try to call and no one can help me through the phone because I only have XXXX. I send a letter and I still dont get any answer about this fraud. Could you please help? 

Sincerely,
Product: Checking or savings account

Hello, I think that the interest I am getting paid in my savings account is wrong. I have the 360 performance checking account & interest varies from a 3.80 % and now its a 3.70 %. But each time I get an interest payment its very small. I had a XXXX balance one time for the month & the interest payment was only {$6.00}? I even called capital one, spoke to someone & he calculated the payment to be around XXXXXX/XX/XXXX Recently, I called & explained my concern to a representative & he said that he would submit a report & I will get a call but I havent heard back from anyone. I have always had this checking account for some years now & there has always been savings in it, but, I cant seem to understand for the month, why its so low with the payout. I would like a breakdown of how they are getting these numbers. I had a balance of about {$1800.00} this month and the payout was {$2.00}, it should have been around {$60.00}. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewd my credit report and noticed some inaccuracies on my report. 
Starting with this collection, I never lived or was associated with. These address 's i never lived at and these iqurires i never applied for please remove off my report asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Address 's : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this credit inquiry, and I believe it was made in error or without my consent. According to the fair Credit Reporting Act ( FCRA ), any inquires listed on my credit report should only reflect those that I have explicitly approved. I request that this inquiry be thoroughly investigated, and if it is found to be unauthorized, that it be removed from y credit report. Please provide me with Documation that proves the legitimacy of this inquiry or proceed with the removal of the false entry from my report. I also ask that you send me a written confirmation once the matter has been resolved.
Product: Debt collection

I.Q . Data International , Inc. is at tempting to collect an invalid debt from me. On  XXXX   XXXX ,    2017, IQD sent me a collection letter. In the letter, IQD stated, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such judgment or verification. '' Shortly after receiving the letter from IQD ( within 30 days ), I sent a letter to IQD informing them that the debt was invalid and to cease collection efforts. Subsequently, IQD did n ot mail me " a copy of such judgment or verification '' and sent a second collection letter on  XXXX   XXXX ,  2017 .
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was a former debt collection company that was on my credit for a credit card debt from XXXX. This was disputed and taken off of the credit bureaus. Now without any notice, warning, I received a notice that a new debt collector has filed paperwork electronically to garnish my wages. My HR department has received this. There are no dates, no factual information on amounts it was filed in a county I have never resided. This company name is Brock & Scott , PLLC.
Product: Debt collection

I have a charge account with Kohls which I use occasionally and always pay in full. Therefore I do not receive a bill every month. 

I also subscribe to a credit monitoring agency which notified me in XXXX that Kohls had reported a late payment. Since I had not received a bill since approximately XXXX, and did not recall charging anything I called Kohls. 

They informed me that a bill had been sent by mail in XXXX and returned. They made no attempt to contact me by email, even though they send me emails every day and still do to this day offering sales. I was also told that attempts had been made to call me by phone. When pressed they stated that the call was from a debt collector. I explained that my phone blocks such numbers. 

I asked that they send me the bill and that if it was mine I would pay. I did not receive anything. I called again on XX/XX/2018, and was assured that a bill would be sent, and the negative report removed from my credit report. 

Despite this assurance another negative report was filed and still have not received a copy of the alleged bill. 

I want them to ( a ) provide me with a bill if it exists ; ( b ) remove all negative reports from my credit report ; and, ( c ) remove any late fees
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and correspondence from XXXX, XXXX and Equifax stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there are unauthorized accouns. I have no idea why they are reporting on my credit report even though I did not authorize those accounts
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity is being fraudulently used by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX XXXX XXXXXXXX account needs to be removed not my account. 
The account number is XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me. 
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting the following : XXXX XXXX ( XXXX XXXX XXXX ) Nationstar/Mr Cooper ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and XXXX  ( XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 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. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodafternoon, I am a victim of identity theft, In XXXX I was victim of a data breach that leaked all my information. My social, my id, and my address were all leaked. Now I have been dealt with a very bad hand because I have multiple fraudulent loans that are on my report. My family and I are now struggling with purchasing a place called home because of these accounts. Now I know that in XXXX there was a data breach in your company so you do understand the effect of what happens to people. According to the FCRA 605b 15 USC 1681 c-2, the accounts that are listed must be blocked in removed within 4 days. These are not my accounts I am a victim of identity theft I did not benefit at all. My life is being ruined help me from the shackles that I am being held in from being a victim. I have attached a FTC report, identity theft affidavit notarized, proof of identity, and proof of address with a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public reporting with Transunion and XXXX  which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Transunion and XXXX  for them to review and update my file and delete their public reporting to match XXXX XXXX. Transunion and XXXX  refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. XXXX XXXX update reporting came to me on XX/XX/2020 Transunion responded to my dispute with no investigation XX/XX/2020 and XXXX  response is dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX credit card reported a late payment to all three credit bureaus for an item that was returned in XX/XX/2022. XXXX XXXX XXXX XXXX partially refunded the credit card three months after the return was processed. Partial credit was done in XX/XX/2022. I called numerous times to request for a full refund. The merchant informed me that while they investigate and work on crediting the full refund back into the credit card, they will not report a late payment. However, they reported a late payment for the months of XXXX and XX/XX/2022. Final refund was processed in XX/XX/2022. I've called Experian as well as XXXX XXXX XXXX  XXXX multiple times to have the late payment removed. Both companies have not resolved my complaint and the error still have not been corrected. Late payment still shows on my Experian credit report for XX/XX/2022.
Product: Checking or savings account

I sent funds via XXXX to a person for concert tickets and never received the tickets. 
Funds were {$50.00} to XXXX account via XXXX. 
Obviously it was a fake account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outstanding balance showed up on my credit report with experian forXXXX XXXX for {$500.00}. I never heard of them. Tried calling and left messages with no response on their error
Product: Money transfer, virtual currency, or money service

WESTERN UNION FAILED TO FURNISH ALL DOMESTCI FRAUD INDUCED MONEY XXXX  FROM ME TO OTHER PARTIES. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. Foster and Monroe added a collection in the amount of {$1700.00} to my XXXX credit report. I am not liable for {$1700.00} debt with XXXX XXXX, I do not have a contract with FOSTER AND MONROE LLC, they did not provide me with the original contract as I requested. I contacted XXXX and XXXX, but they refuse to remove it from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a block on my credit files with Experian, XXXX and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.