23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I think, not sure, I have a medical bill that went into collections on XX/XX/2014 with XXXX XXXX XXXX XXXX in the amount of {$25.00} and {$84.00} for XXXX XXXX. I have never received a bill from XXXX XXXX  and do not dispute it. I'm simply trying to pay off this debt. if and when I finally get through to this office. They are rude and abusive to the tune of " why did it take so long '' and " whats my problem ''. I looked up this Michael Harrison on the internet and XXXX and found I am not alone with these complaints and I am not truly secure with paying them through the mail or if I do that this will be expunged from my report. I simply want to pay the bill if it is in fact mine. How do I go about this? Their staff is extremely rude and I do not feel that as a senior I need to be abused in such a manor for simply inquiring about this {$110.00} so called debt.
Product: Credit reporting or other personal consumer reports

i have called experian over XXXX times within the last few months in regards to fruadulant address being reported on my credit report, they are refusing to remove all the fraudulant addresses that are connected to me by fruad, experian keeps tellinng me that the addresses are verified and must remian on my credit report. i have filed an ftc report stating that these addeses are fruad and to please remove these addresses and block them, and yet they are still refusing to remove them as well.
Product: Checking or savings account

XXXX, XXXXunpaid,XX/XX/2017, suspected fraud activity, my identity was stolen by someone i do not know and they created this accounts. 
reported the issue online to the social security department also filed an identity theft report online.
Product: Credit card or prepaid card

JP Morgan Chase allowed someone to open and use a credit in my name. They are reporting this fraudulent card to credit bureaus and are calling family members about the debt that I had no knowledge of.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXame : XXXX XXXX XXXX Known As : XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX
Product: Debt collection

I have repeatedly over the course of many months requested a copy of the Purchase Agreement showing that LVNV Funding purchased the alleged debt from XXXX XXXX and has the legal authority to collect on it. 

LVNV and Resurgent repeatedly misrepresent " verification '' in their unlawful responses ( including those to the CFPB ) by simply sending laser printed copies of " statements '' and XXXX XXXX XXXX allegedly from the account. 

This is not what I have requested. This is also not legal " verification '' of the debt. 

What I have requested ( and what I am entitled to ) is the legal Purchase Agreement to prove to me they have the right to enforce and collect this alleged debt. I wish to see proof they own the account, and review the terms of that Purchase Agreement, to ensure they are using accurate information in their currently unlawful practices. 

I RENEW MY DEMAND FOR A COPY OF THE PURCHASE AGREEMENT. They understand exactly what I am asking for. Yet the falsely pretend to be responsive to the CFPB by claiming they previously sent " verification '' to me. They have not sent any proof they own this account and have any legal standing to collect upon it. 

PLEASE DO NOT LET THIS COMPANY CLOSE THIS CASE AGAIN WITHOUT PROVIDING THE ACTUAL PURCHASE AGREEMENT REFERENCED ABOVE. 

I predict they will again mislead the CFPB unlawfully by claiming they have already " verified '' the debt with simple copies of statements, etc. This does not meet the legal standard to prove they own the debt. They continue to MISLEAD THE CFPB, and many consumers like me with falsified replies that fail to address the VERY SIMPLE REQUEST FOR THEIR PURCHASE AGREEMENT. 

Their ongoing fraud is a direct violation of the FCRA and FDCPA. 

I will continue to complain about this company until such time as they send me a copy of their legal Purchase Agreement. Until they prove their ownership of the debt, their negative credit reporting remains illegal and their illegal practices should be investigated. They knowingly engage in this type of fraud routinely as the victimize many consumers. 

I grant them permission to contact me if they wish for the limited purpose of assisting me in obtaining their Purchase Agreement and deleting their wrongful reporting from my credit reports. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The banks failed to perform on their duties. They failed to maintain the same payment structure... Banks said it was liable & would fix the issue... still not fixed.
Product: Checking or savings account

I mailed a check for {$7200.00} and my Bank   XXXX   XXXX    mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.
Product: Credit card or prepaid card

On XXXX and XXXX I was victim of fraud several times on My best buy ( citi bank ) credit card and I reported all of them and opened a dispute. In the begining they gave me credit for those transaction but the following month they rebill me one of those transactions. The amount of that purchase was {$740.00} on XX/XX/21 at best buy store in XXXX NJ. They told me the reason why they rebilled me was because " I stayed that I had my credit card ''. They assumed that I did it because the receipt says " card was present " at the moment of the purchase. I appealed that decision and I submitted proofs that support that I didn't do it. I went personally to best buy store in XXXX NJ and asked them a copy of the receipt. The store manager noticed that on the receipt the card number matched but the id member number didn't. That member ID belongs to other person located in Massachusets. Beside this proof I emailed them a copy of police report, a letter from my job staying that day I was working at my job location in XXXX. Then I verified if they received all documents, They told me that they are going to contact me but they never did it. I called several times and their answer was " there isn't enough evidence '' and the appealed was denied. I asked them to talk with a supervisor, they said that a supervisor is gon na call me and I am still waiting. I want to solve this issue but they aren't helping. I have been his client for over 10 years and I never made a late payment. I've been victim of fraud and spent hours and hours on the phone trying to solve it.
Product: Money transfer, virtual currency, or money service

Sent money using Zelle not knowing that if it went to the incorrect recipient, the money was basically lost, Ive lost a huge amount of money with this and no failsafe was in place.
Product: Debt collection

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet. Delete this on my report as it really affects my credit standing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several UNAUTHORIZED withdrawals from my account made via Zelle. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local XXXX XXXX and filed a dispute, changed my password, froze my account and set up Zelle pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from XXXX XXXX that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called XXXX again and asked for the documentation used and they didn't have any. They told me to contact Zelle. I tried to contact Zelle and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So Zelle is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with XXXX I still do not have any answers or money. XXXX XXXX from XXXX is elevating it to the Regional Manager but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by XXXX XXXX. They didn't even bother putting it on letterhead this time. Zelle is refusing to speak with me.
Product: Credit reporting or other personal consumer reports

A third party trying to collect for another company it is against the law for a third party to collect and report wrong information about me Im a victim of identity theft and thay keep saying it verified which is wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax, XXXX and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.
Product: Credit reporting or other personal consumer reports

My credit score has been severely impacted by a fraudulent account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i sent a requests to Equifax and XXXX to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from Equifax stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling Equifax on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called XXXX on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into Equifax and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.
Product: Credit card or prepaid card

On XX/XX/18 I requested 3 balance transfers from my new Chase account.

2 of them were posted and paid to my other accounts. 1 has been charged to my Chase account, but has not been posted to my other credit card.

I took screenshots and right up to the point you click 'transfer money ' there is no indication this would be lengthy process or how long it takes.

As of 5 business days later I'm told it can be 21 days before my bank receives the payment and 30 days before Chase will do anything about it. Then they will issue another check that can take 21 days before my bank gets it. So, I'm on the hook for thousands of Dollars while Chase has me charged for it for close to months.

The state they can issue a stop payment for the check, but will not do it. This conversation was on a line that Chase states is recorded.

I was on the phone for an hour repeatedly asking as polite as possible, " I am asking you to issue the stop payment now ''.

They state, " we are unable to do that ''.

My response, " You just told me in 30 days you will issue a stop payment '' They state, " In 30 days, we will issue stop payment and issue a new check and you will have to wait 21 days for processing '' BIG QUESTION : What happens if they don't get it the second time? Clearly at some point they CAN issue a stop payment - they are refusing to do so.

CONCLUSION : They screenshots do not state any timeframe for length of time. Therefore, one would conclude that industry standard for transfer would occur. 21 to 30+21 more days is definitely not industry standards. This seems like a loophole to have consumers charged large amounts of money before balance transfer/payments are made.
Product: Student loan

My loan is on a repayment plan based on my income, Mohela never reports correctly they are reporting Im late on every payment but my payment is XXXX $ they are affecting my credit score weekly its consistently saying I owe XXXX but then theyre reporting me late every month sometimes more than once a month. The information is never the same from them Ive been at it with them since XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

After Been Released From XXXX  For XXXX  Time In XXXX  Months ; My Sister Ran My Credit Report And Found Fraudulent Activity From An Address Of An House I Sold XXXX  Years Ago.. On XX/XX/XXXX I Signed And Filed A Complaint With The XXXX  XXXX XXXX  XXXX XXXX XXXX ) That Those Are Fraudulent And Not Mine.. 

I Never Had A Credit Card Of Those Types & Names Before Nor Have I Applied For A Credit Card In XXXX  Years... I Sent A Copy Of My Drivers License, XXXX Credit Card Receipts And Gas Bill That Proves I Don't Even Stay In The State That's Is My Address. 

Please Also Remove Fraud Alerts From My Profile Also, I Never Asked Or Requested Especially When I Request False Information Replace With Accurate Information..
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. 

Account XXXX : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

In XXXX of last year I filed disputes with all 3 bureaus because there are some incorrect things bein reported. To this day they have not done anything to fix what it wrong. Why is this taking so long? 
I hope you can help with this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXXXXXX XXXX mountain time I get 2 notices from Bank of America via email about my email and phone number violating XXXX XXXX. I then contact BOA on their mobile app and the operator simply says on chat that I have to update and re-enroll. It fails, and I have screenshots of this transaction. She then looks into it further about my discrepancy in email and directs me to call their fraud line. The fraud line finally picks up and the woman explaining then says " a quoted deposit '' based termination. Basically BOA is going to terminate my relationship for what, I really don't know. Part of this has me thinking there are 2 main factors. 1 ) I had someone steal my identity and attempt multiple account openings, to which XXXX notified me first. 2 ) I made a complaint on XXXX at a recent XXXX, FL location about XXXX. I suspect this is retaliation. However, I really can't be sure because no one is willing to give me the details. On the same call, the woman explaining the account terminations of my checking AND savings states that I should call back in 24 hours and will no longer have access. In addition, she iterated the line is being recorded and she's aware that I will be making a complaint. I've read on multiple online postings of similar random BOA errors and close outs. I'm uploading the police and FTC reports of proof of identity fraud issues. BOA has also been notified at XXXX with a running thread notifying them of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an extended fraud alert with Experian on XX/XX/2019. I included the police report and my FTC Identity Theft report. I received a letter from Experian on XX/XX/2019 that said : " The identity theft report does not meet guidelines because it was not filed with  a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' ( This verbiage appears on page 2 of the uploaded letter ). 

I called the XXXX, NC police department where I filed my report and the officer who took my report assured me that filing false information in the state of North Carolina is a crime and this language is also part of the XXXX town ordinances.
Product: Debt collection

Dear United Revenue Corp, After viewing a copy of my credit report, I noticed collection accounts placed on my credit report from you in XXXX and XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations