23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, has violated my rights 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

I recently had to cancel my phone plan due to lack of finances from being on XXXX. After my phone was disconnected my parents, whom Ive never provided their information to anyone and I do not live with or have any connection other than relation, they began receiving calls repeatedly throughout the day from Atlantic Credit and Finance. Despite telling them they have the wrong number and that they do not have a way for them to contact me because of the phone issue they keep calling right after getting off the phone with them and harassing them asking for me. They have asked them to stop calling them multiple times. The individual that calls them every time is named XXXX and will not give them any information or a way for me to contact them other than by phone.
Product: Credit card or prepaid card

I was alerted of a fraudulent charge to my chase credit card for some playstation gaming thing. I don't have play station I don't have any games and my kids don't either. I immediately disputed the charge and advised chase of this and told them to block the merchant. Upon researching the account it was a fake email that was created address etc. 

I wanted the charges to be refunded to my card and not be held liable for the charges or the interest that was accrued. 

Chase blocked but did not refund me the charges I want the charges to be refunded back to my card
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, XXXX DEPT OF ED/XXXX # XXXX Opened On XX/XX/2010 Account Status : Open/ Education Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Product: Money transfer, virtual currency, or money service

XXXX was appointed to handle my property XXXX is in control of my assets. However the corporation that is holding the trust and beneficiary property as well as my children legal heirs to their father XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband XXXX and I are in the process of getting a mortgage for a home. The credit report came back with one derogatory account under me. ELAN Financial Services was the creditor for the XXXX XXXX  credit card account. I had a checking, savings, and credit card through XXXX XXXX. I closed them out via phone call in XX/XX/XXXX. However, according to Elan Fin Svc, the credit card was still opened and charged on XXXX XXXX by XXXX plus late fees and interest since the checking account was closed. The remaining balance was paid off after realizing the error on XXXX XX/XX/XXXX and the credit card account was closed as well. This error was due to XXXX XXXX  failing to close out the credit card account when asked to close all accounts in my name, and neglected to inform me that it was still open. My credit score then tanked and we were out close to {$200.00} on something originally only {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA/ XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the XXXX XXXX  and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. 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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My savings account was taken over as someone took my debit card and started to drain my account started XX/XX/23 I immediately called capital one disputed the charges and about freezing my account all they said was there is a flag and no money will be taken out. Money was still being taken from my accounts and capital one did not notify me about any withdrawals as i have alerts set up for it. There were multiple withdrawals of multiple increments of more than XXXX + when capital one has {$1000.00} withdrawal limits! Capital one has closed my accounts and this has not been resolved
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with Explore Credit, was asked to send in bank statements and did so. The next thing I know, I get a text message saying the loan would be funded. I text messaged them back and asked them about esigning an agreement, no response. 
I called then and asked if there was any agreement to sign, the guy was acting as if I already esigned but didnt exactly say those words and directed me to go online to the portal. I did that next and upon doing so was greeted with a paragraph talking about credit protection from a third party in the event the loan was to default, after reading that, I exited out of the site without signing anything, being presented with TILA disclosures, etc. I assumed since I am familiar with internet loans that I would not be funded anything if I didnt sign anything and felt safe and frankly didnt think about it anymore. 
I resolved my financial situation through a bank loan instead but to my surprise upon receiving my bank statement, Explore Credit made a deposit of {$800.00}!!!! 
I started researching the company and saw reviews that were terrifying, people paying off their loan and still being debited, being debited even if they never received a loan, the company refusing to accept the principle balance and rescind the loan that they likely never signed for anyhow. I saw that others said they do not honor revoke ach authorizations. 
I reached out and told them I am going to mail the {$800.00} back and they have no right to debit my account. I emailed them too. They emailed me back a contract that I have never seen before! I would never agree to pay $ XXXX for a {$800.00} loan. What they are doing is illegal and not honoring XXXX regulations when it comes to a formal revoke seems like a seriously bad business practice and one that I have never heard of a company not honoring until now. I guess since they never for an authorization via a signed contract to begin with, the last thing they care to do is honor your request to not go into your bank account since they already did to make the deposit and now to hold you to an exorberant loan without your permission or authorization. 
I am scared this company has my information, that they have forged an agreement on my behalf and are now insisting they will debit my account, even if I have formally revoked! Per other reviews they create checks, use your debit card, anything from the application. I have not authorized this loan. I do not authorize this company to store or use my banking information.
Product: Bank account or service

I was a long time customer of Citizens Bank. I decided to close my account because if the bank 's investment policies in 2011. I 'm glad I did because they have not improved their investing standards -- I stand with others removing funds due to Citizens ongoing support of XXXX. I will work tirelessly to convince others to join me in doing so until your institution ceases investing in XXXX XXXX, XXXX XXXX XXXX, and XXXX. I refuse to be a silent participant in your decision to support the destructive fossil fuel economy in general, and the XXXX ( XXXX ) in particular. The XXXX threatens air and water quality and violates sacred lands of the XXXX.
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

According to US Bank, they received a credit card application in my name on XX/XX/2022. The address on the application was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I communicated via telephone with US Bank today XXXX XXXX XX/XX/2022 at XXXX XXXX XXXX XXXX to inform them that the application for the credit card is in fact fraudulent. They noted the transaction as such.
Product: Student loan

I've been fighting these guys for over a year and it's clear they are intentionally blocking my PSLF I've already qualified for and they said I did. Then they took it back and " lost '' all my documents from my Fed loans and everything I sent. They have tried hanging up on me and blaming me for their mismanagement. I've filed several complaints for illegal mismanagement and discrimination I faced in the phone ( comments made about my race and type of work I do in the nonprofit world ). 

I've had two of my senators now involved which forces them to process one of the forms but still ignoring me and not doing their job. I just called back senator XXXX 's office to talk about next steps. 

Next steps should be to process the PSLF as they are required under federal law. It seems after some research and talking with the Senators office that this isn't an isolated incident. It's a intentional attempt to undermine people who work in education, law enforcement, nonprofits etc.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent a dispute to experian going over some items i felt were in accurate and eperian has done everything to ignore my request to look into the dispute. They continue to stall in regards to this matter
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) 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 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.
Product: Money transfer, virtual currency, or money service

I was called on Monday XX/XX/XXXX AROUND XXXX from XXXX XXXX  company. That there are waiting by my building to shut the electric were i have tenants plus a dr office and i was out of town, i ask why are closing ii know i pay my bills online no its deposit we need wil refund it after 3 months, wee i know they really do it .so they tell to call the office and press ext 4 for the collection dept, i was arguing i told i be back in my office next day arguing for some time. so i cal press 4 it was a real no # the XXXX XXXX  SOMEHOW THEY SPOOFED ME. THEY KNOW I HAD MADE A CHANGE ON 1 METER in my building and i thought it because of that. so i told i am not in town so they said they wil try to arrange and do me a favor if i can make a 3 party XXXX  payment through my bank. all this took a 2 hours on the phone so i sent they {$2000.00} and i thought it sok but they kept going that it was already out for disconnection. its a long story i am tell the basics what is need to know. so they told and hod on to be connected to the finance dept and to see if they approve and can stop the discontion, til i was connected took a long time so after they picked up they tell i need to send addinail {$2500.00},. this already do not sit with i did not send i went called back XXXX  from another phone and asked they told no its XXXX. i went fast call my chase bank and told what happened and they said they wil contact XXXX  i gave al info were it was sent what XXXX address and names and teh all other phone i was involved, soi they said they wil give over i wil get a refund fOR 1 time. but now they say talk to XXXX  it was declined nobody is taking responsibility were i called right after in order they can stop it and gtet it back i have no one to talk not XXXX  and not CHASE bank
Product: Debt collection

I received a notification XX/XX/2021 that there was a remark on my credit for a medical bill. I never received any phone calls or a letter of debt validation notice in the mail. I had no information regarding the collector, the only reason I found out which company it was until I pulled my credit report and saw their information. I had no idea about this debt and I'm very upset I didn't even have a chance to verify if it was mine or dispute it.
Product: Credit card

Got an email saying I was past due in the amount of about {$7000.00}. My account, the only card I have, was frozen. 

The XX/XX/XXXX payment of {$3100.00} had been paid and posted. The XX/XX/XXXX payment of {$3500.00} had been paid but not posted. 

XXXXXXXX XXXX researched and gave me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I informed them via online secure mail. The email has been removed from their site. I was informed their process would take 90 days. After emailing the CEO, I received a call and was told they are researching and it would take 2 weeks. I always pay my statement in full every month and Ive been using this card since the card was available.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Product: Bank account or service

I have a " Promotional Advance Savings '' account at HSBC Bank. HSBC has just announced that they are going to change the statement frequency on this account to quarterly instead of monthly, also implying that they will change the posting of interest accrued to quarterly instead of monthly. This arbitrary and unilateral action is unfair to customers, who depend on receiving their interest postings monthly as originally agreed to when the account was opened. I do n't care if they change the statement frequency for new accounts from this date forward, but I think it is unsat for them to arbitrarily and unilaterally change this important account parameter for existing accounts.
Product: Credit card or prepaid card

We received our AT & T UniversalCard ( a MasterCard issued by CItiBank ) statement two weeks ago and noticed a fraudulent charge. I called customer service, reported the charge, and asked them to issue new cards with new account numbers. The representative said no, that was not necessary ( very, very bizarre response -- not something any credit card company has ever done in the history of forever -- HUGE red flag right there! ). Fast forward to yesterday when I was alerted there were a series of additional charges from the same entity, totaling hundreds of dollars more ( yet the rep. said the original fraudulent charge was flagged and being investigated for fraud -- what credit card company lets a flagged entity, one they are supposedly investigating for fraud, to continue to charge the card -- a card they are refusing to close and reissue in spite of all the fraud? ). So I call again, get another rep., literally spend twenty minutes insisting I need the account numbers reissued -- I mean, who argues with a consumer like this when it is OBVIOUS the card is compromised??? This has never happened even with AT & T UniversalCard in the past. Also, it's the first time I've had to deal with foreign outsourced CS reps when dealing with a fraud situation. I honestly believe it's the reps themselves perpetrating the fraud at this point. 

It HAS to be illegal to refuse to close out account numbers and reissue cards in the face of repeated fraud. Also, why are we outsourcing sensitive financial information to bot farms and call centers overseas? This is insanity! 

Anyway, here I am, a couple of weeks away from XXXX travel -- highly anticipated as it may very well be the last time I see my father, and it's the first time I'm seeing my son in XXXX years -- with no viable card ( the card my reservations are charged to ). 

CitiBank has also now made it impossible to log in and monitor activity on my card from my laptop ( something I could always do ). 

I do not understand why they would treat a XXXX long customer with excellent credit, who has never, ever not paid their bill in full every month, like this. It's shocking and dishonorable, and lacks any integrity or decency whatsoever. Shameful, shameful behavior. I will look to my credit union for a new mastercard, will only use financial services entities that protect my information and accounts, and who only use American employees, bound by American laws, as customer service reps ( something I think should be legally required anyway ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Removal of Closed Accounts from My Credit Report Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. After reviewing my current credit report, I have noticed that these closed accounts are still being reported, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c. 
According to the FCRA, negative information such as closed accounts should be removed from my credit report after a certain period of time, typically no later than seven years. I kindly request that you investigate and remove any closed accounts that are beyond the legal reporting time frame or that no longer reflect an accurate representation of my current credit situation. 
Please provide me with a copy of my updated credit report after the necessary adjustments have been made. If you require any further documentation to process this request, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!
Product: Credit reporting or other personal consumer reports

This matter was conducted by the company without my consent, and I am not informed about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXXccount Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX, XXXXXXXX  Date of inquiry : XX/XX/XXXX