23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Franklin Services have attempted to collect a debt and I have never done business with this company in which they have directly obtained my personal identifying information in order to collect a debt not owed. On XXXX XXXX I received a collection notice from FRANKLIN COLLECTIONS in regards to doing business with XXXX XXXX XXXX in the amount of {$60.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX PXXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX
Product: Debt collection

i told them that i had a financial company working to solve my debts
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Account # XXXX The above account have violated my rights. 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. Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquires in my credit report
Product: Mortgage

We had hurricane XXXX pass and we asked to put 2 months on the back of our loan. We called back to start paying they said hey messed up and did it as we needed help with covid, and they said h to my cant do it anymore we would need to make payments in 4 plus our mortgage. Told them that was not possible and they had to add it to the back of the Lon like the lady told us. They tell us they can not do that and start a modification process, we had no idea what this was. We are first time buyers new to all of this. It has been since XX/XX/2021 and we still have no answer we are behind XXXX and can not make any payments to them. Mr cooper is treating us so wrong and has done nothing to help us with the situation. They are the worst mortgage compny
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Report shows that I was unable to get a loan or to finance a vehicle because of PROPORTION OF BALANCE TO CREDIT LIMITS & SERIOUS DELINQUENCY reported by CHASE BANK Based on available evidence ( credit report and account statement ), Chase Bank violated my rights to use my Chase Credit card ending with XXXX by rising the existing credit limit of {XXXX} which I accepted per Chase staff 's business advice to {XXXX} WITHOUT my request and without my agreement. 

Upon visiting the bank IN PERSON and consulting Chase staff to reduce the credit limit to {XXXX} which I previously agreed to, I was told to pay first what I owe, that is, what is in my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance : {$530.00}
Product: Money transfer, virtual currency, or money service

My landlord wants me to pay the rent through Venmo. I tried to set up a Venmo account and I received a message that I was rejected because of a violation of their terms of service agreement. I asked what the violation was about and they refuse to tell me and they said that they are not obligated to do so. I have had email contact with them, and I'm sorry to not be able to share those with you, and they told me that I have to contact the person who rejected me to have a Venmo account authorized. I don't know who that is and they won't tell me. I'm on social security and XXXX XXXX for XXXX part time. The account I want to open will be connected to my debit account and if the payment isn't in the account it's not going to be authorized. I don't understand why they are doing it and I am not going to injure Venmo or the XXXX financial system. Please help me open the account Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXXXXXX XXXX -XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.
Product: Checking or savings account

2019 XXXX i lost access to an account with more then XXXX dollars this account went missing the money as well. 

the company create a new account months after creating a debt. through their partners. 

while homeless i have been robbed and lost access to my accounts. 

company seems to block all assets in retaliation to a XXXX $ charge. i requested to charge to be dropped. 

most charges a inflated by companies to create debts. 
the policy that seems to target consumers that are familiar with policy. in the nature of having supporting accounts with currency. 

with holding money or accounts effects how and if i am able to make money. 

the policy violates my rights to be able to function in the new infrastructures. 

technology devices have allow account to be compromised by consumers or foreigners. 

being under a certain amount of income i feel that its harm to my life if i am not able to access or be return my funds from my accounts. though i feel my information informs support of how to violate those policy and how much control consumers have over our money.
Product: Credit card

My last XXXX or XXXX applications for credit card offered through Chase have been rejected, each time citing only that I have applied for too many cards in the past two years. This includes their Sapphire card and Explorer card for XXXX XXXX. They are not addressing total outstanding revolving debt but submissions for cards in general to all banks. After the last letter, I called and asked them to reconsider, they respectfully declined. I asked them why they are the only ones in the industry who use this criterion for declination and they could not answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and XXXX, XXXX and Experian have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. Please have this account deleted from my XXXX account.
Product: Debt collection

I appeared at XXXX XXXX via a referral from my girlfriend at the time. Ms. XXXX XXXX said she was " see me for free and handle the insurance issues later if there was any. '' AFTER i had already handed my cards to the staff to be sure I was covered, one of the staff came into the exam room while the work was checkup was being performed - ( I was in the room for 6 minutes total, she came in after 5. ) and told Ms. XXXX that there was insurance issues of some kind and I was not covered. Ms. XXXX replied to " XXXX? '' or the staff member who had came into the room that I would not be billed for today and it was going to be a courtesy visit. 

I have called the office twice, not only do they deny the above, but have also been extremely rude to me when I try to state my claim and reasoning. I think this establishment is great, and has performed wonders for friends and family of mine, but clearly on this day there was an issue. Since then I have had the work she quoted at $ 640+ and an additional 8 sessions performed at XXXX for a cost of {$0.00}. 

I made it very clear that day that although this was an " emergency '' and that I did wants things taken care of, that financial means came first and that was my first in order of concern. I never followed up with this office again after finding an office that showed me four days later that not only did I have XXXX  insurance, but that I had full coverage. I attempted to relay this information to the office on my second call to them and they said they " never took that insurance, and that I must be mistaken '' - I have only had one insurance since moving off my parents plan on my XXXX birthday. ( per RI law ) I am unsure why there is any confusion in the office when I was clearly told one thing and then after receiving bills, and now collection notices, I am very disappointed in a business that appeared honest and forthcoming and came highly regarded.
Product: Credit card

Issuer XXXXCOMENITY CAPITAL BANK  Account # XXXX Debt Collector XXXX XXXX  Account # XXXX A store credit card was opened in XXXXXXXX XXXX XXXX without my permission. I reached out several times to inquire about how my identity was verified, and no one could provide information via email. A charge of {$62.00} was billed on XX/XX/year> however, the credit card was never activated by me ( XXXX XXXX XXXX. I filed a complaint with XXXX 's online customer service and it was dismissed. XXXX collected a total of {$400.00} in late fees and interest before sending the account to the delinquent on XX/XX/year>. The information provided was given by XXXX XXXX whom XXXX sold the debt to. XXXX confirmed a ( XXXX ) month period was accumulated to collect late fees and interest.I was informed by debit collector XXXX XXXX XXXX XXXX ) payments were made on the card that I did not authorize. XX/XX/year>, for {$35.00} USD and XX/XX/XXXX, XXXX USD XXXX total of USD {$83.00} for a {$62.00} charge. I am reporting these charges as fraud as I did not make these purchases or payments.
Product: Credit card or prepaid card

I am living in one of the states most affected by COVID-19. I live in NY. I have been impacted by the virus and have been unsuccessful in reaching 3 of my creditors to discuss waiving of late fees, waiving of reporting derogatory information to the credit bureaus, discussing payment arrangements ( per their emails to their customers, like myself ). Not any of the 3 give any electronic communication options to contact them. They ONLY offer to call them by phone. I have attempted more than 100+ times, at all different hours, to reach them by phone and have been unsuccessful. I live on a limited income and have only a cellphone which has a limited minute plan. I do not know how to resolve this, get the benefits I am eligible per their email correspondence to me ( which has NO ability to respond to them via email ). I have just recently over the last 1.5 years worked very hard on improving my credit worthiness and my score. How can I protect my credit if I can not reach ANY OF THEM to preserve my credit and make use of their covid-19 benefits to those impacted?

The 3 creditors are : 1. ) Capital One - credit card 2. ) XXXX  XXXX - credit card 3. ) XXXX credit - line of credit by XXXX And due to the inability to reach any of them my bills with them are now overdue. I have been trying with extreme effort to reach them 3 weeks prior to my payment due dates ... .and still trying to reach them. The high call volume has caused longer than normal wait times and mostly informed that due to the high call volume it is NOT possible to wait on hold and their recording states " Try calling another time ''. 

Please help me. Thank you
Product: Debt collection

" I am filing this complaint against XXXX XXXX XXXX for multiple violations of federal debt collection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Failure to Validate the Debt : I made multiple formal requests for debt validation under 15 U.S.C. 1692g ( b ). XXXX failed to provide proper validation, such as a copy of the original signed contract or proof of the current owner 's right to collect the debt. Instead, they provided insufficient documentation, such as account summaries and transaction histories, which do not meet the legal standard for debt validation. 

Improper Transfer of Alleged Debt : After my validation requests, Resurgent transferred or sold the alleged debt to third parties ( Credit Control LLC and XXXX XXXX XXXX ). I subsequently requested validation from these parties and informed XXXX that such actions violated the FDCPA 's prohibition against collection activities until the debt is validated. 

Reinitiating Collection Activities : After the accounts were transferred to third parties and I flagged the violations, XXXX resumed attempts to collect the debt directly, without resolving the prior validation issues. This constitutes an additional violation of 15 U.S.C. 1692g ( b ), which prohibits any further collection efforts until the requested validation is provided. 

Reporting of Unvalidated Debt to Credit Bureaus : XXXX continues to report these alleged debts to credit reporting agencies despite failing to validate the debts. This violates XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) of the FCRA, which require that all reported information must be accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. 

I filed an arbitration case against Portfolio, who is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

Now the XXXX XXXX XXXX tells me that Portfolio is out of compliance with them, which means that not only my contract with XXXX, but the contract terms of each and every consumer that has been sold to Portfolio will not be upheld. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the filing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act. Which mandates a reasonable investigation of disputes. These are the accounts i would like to have disputed and removed from Transunion. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon, I am writing to seek assistance with a critical issue involving my Bank of America account, which has severely impacted my financial situation. 

On XX/XX/XXXX, I borrowed a loan against my XXXX plan from XXXX XXXX XXXX, facilitated through my employer, for a total amount of {$16000.00} due to a financial emergency. I received the check on XX/XX/XXXX and promptly deposited it at a Bank of America ATM located at XXXX XXXX, XXXX, TX. I was informed that the deposit might take a couple of weeks for verification, with an expected availability date of XX/XX/XXXX. 

However, on XX/XX/XXXX, I discovered that I had lost access to my Bank of America account. Despite attempting to reset my password, I was unable to regain access. Upon contacting Bank of America, I was informed that my account had been closed, and all assets frozen, due to the deposited check being flagged as fraudulent. I was shocked as I received no prior notification or consent regarding this action. 

Following this, I contacted the company responsible for managing my XXXX loan, which confirmed that there were no issues from their side and that the check had been cleared. Despite multiple attempts to resolve the matter with Bank of America, including visiting the local branch at XXXX XXXX XXXXXXXX, TX, I was informed that the decision was final and made by a separate department, leaving me without recourse. 

On XX/XX/XXXX, I learned that I could submit documentation of the loan details to the Risk Department Supervisor at Bank of America. I promptly provided all relevant paperwork, including a copy of the check, at the same branch, hoping to resolve the issue swiftly. Unfortunately, despite these efforts, there has been no progress, and my account remains inaccessible. 

The freezing of my account has not only deprived me of the loan amount but also blocked access to my pre-existing funds and a paycheck received on XX/XX/XXXX. This situation has exacerbated my financial difficulties, leaving me unable to pay essential bills, including utilities and housing costs. 

I urgently request your assistance in resolving this matter. I am willing to provide any additional information or documentation necessary to facilitate this process. The current situation has placed me in an untenable position, and I appreciate any support or guidance you can offer to help me restore access to my funds. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My car was broken into on XX/XX/XXXX, resulting in the theft of my phone and several cards. Unfortunately, I was unable to file a police report due to insufficient evidence and a lack of camera footage. The thieves used my Capital One card to make unauthorized purchases totaling {$810.00}. I have already contacted Capital One and submitted a dispute claim. This situation is unacceptable, and I am not responsible for these charges. According to the FDIC and the FCRA, I should not be held liable for fraudulent charges. I request that these charges be resolved and removed. Thank you.
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 Customer Financial protection act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience. I seek appropriate redress of this violation
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 602 a I have the right to privacy.

15. U.S.C section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written consent and According to the Fair Credit Act anything furnished on my account must be 100 % accurate.. 
The information on my credit account does not match on all credit companies.. and the balance that was owed was less that what is shown so... 

I would like for the companys contract to be furnished with * my signature * Date opened *interest rate. *credit insurance I also want the contract showing this company has a right to collect this debt..
Product: Credit card or prepaid card

I am a XXXX year old woman and I was the victim of a on line scam on XX/XX/2021. I thought I was dealing with the XXXX XXXX. I was told that I had a refund for {$340.00} dollars for service I had not used. The person I was talking with ask for my bank account number to credit my account with the over charge. I stupidly gave them my account number. I was told that I had not put in the right amount and I had been credited with {$3000.00} dollars to much. I was told that that they could not remove the {$3000.00} from my account and that I needed to get {$3000.00} dollars in gift cards. I went to Wells Fargo Bank in XXXX, CA I thought I was just putting a {$3000.00} charge on my Wells Fargo account and I was not asking for a " pay day '' advance. When I realized what had happened, I telephoned the Wells Fargo Bank in XXXX, CA. I was told by the Wells Fargo there was nothing there was nothing they could do to remove the {$3000.00} from my credit card. I went home and called the customer service number, was told that Wells Fargo could not do anything.