23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ), I am formally requesting that XXXX immediately block all information on my consumer credit report that is the direct result of identity theft and fraud. This action is required within four ( 4 ) business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information that I demand be blocked includes, but is not limited to, the following accounts : A credit card account opened at REVVIXXXX on XX/XX/XXXX under the account number ( private ). 

These fraudulently opened accounts have resulted in the reporting of several inaccurate and unauthorized collection attempts on my consumer credit report maintained by XXXX, severely damaging my creditworthiness. For your review and to support my claim of identity theft and fraud, I have attached the following crucial documents : A detailed list of the fraudulent collection accounts appearing on my XXXX credit report. 
A copy of my consumer credit report from Equifax, clearly highlighting the disputed fraudulent accounts and associated collections. 
A copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), bearing the case number : ( private case number ). This report serves as irrefutable evidence that the aforementioned accounts and collections are the direct result of identity theft. I unequivocally state that I do not recognize these accounts or the associated collection attempts. I did not open, authorize, or make any transactions on the REVVI/XXXX credit card. All of these items are the direct result of identity theft and fraudulent activity. 
As mandated by the FCRA XXXX, I demand the immediate blocking of all aforementioned fraudulent information from my consumer credit report. This action must be completed within four ( 4 ) business days of your receipt of this complaint. Failure to comply with this legal requirement within the stipulated timeframe will leave me with no alternative but to consider further legal action to protect my rights and correct my credit report.
Product: Credit card or prepaid card

a whole credit card open in my name that I never applied for I i need help to remove it from my report. Please help me. I never applied and its not mines
Product: Mortgage

Hi, I applied for a loan with Chase to refinance. The process was slow, lack of communication, lack of reaching back on a timely manner which caused delays upon delays which resulted in certain documents expiring. 

I would communicate on a timely manner on documents they would request for over and over again ( even thought I had provided such documents ). Frustration developed and it appeared to me that they did not want for me to refinance. I have excellent credit score and never have I missed a mortgage payment. I invested time and money on the refinance process. I felt they were disrespectful on how they handled the loan process. 

I informed them that I would file a complaint. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

At least since XX/XX/2021, the Defendants have engaged in a scheme whereby they issue Auto Loans to consumers and then seek to collect the amounts allegedly due to them which are not legally due to them. 

SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Grant Mercantile Agency added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Grant Mercantile Agency has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
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 CT-EAST DIST MIC 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 an 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

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I lost my bank card, and I found a purchase record on it. I locked my card and called Chase. After I explained the situation, Chase refused to return it and told me to call the police. I called the police, but they still didn't respond. This is the number I called to talk to the police. The police came to my house to discuss the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this old account still listed on my personal credit file and it has been years, this is past the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Equifax, XXXX, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( Equifax, XXXX, XXXX  will not remove and XXXX will not answer my calls ) XXXX   XXXX XXXX reported on Equifax not my account XXXX XXXX XXXX   {$990.00} Reported on XXXX, Equifax, XXXX not my account and was not removed XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & XXXX and was not removed XXXX collection account doesnt belong to me and was not removed. 
XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and XXXX not my account XXXX collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX closed account reporting on my XXXX report that will not be removed it doesnt belong to me ( Equifax Equifax inquires that are not mine contacted equifax and creditor to remove but no help XXXX XXXX, L Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX inquires not from me. I have reported by XXXX   has not removed XXXX Inquiry from XX/XX/XXXX Bank XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Acc Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Auto Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas had a ice storm that shut down the whole state of Texas..target card services shut down the payment processing facility in texas. 
No fault of my own I mailed numerous payments to target red card account.. 
Delays made payments late and now they are reported to the credit reporting agencies as late I wrote letters and called numerous times no response..they told me I should of and would of pay it a different way like i knew the payment would be late because of the texas ice storm that shut down everything.. 

I called numerous times to get it resolved and getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

I am writing to file complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Vehicle loan or lease

Three weeks ago, I contacted Kia Motors Finance to receive the title for a XXXX KIA XXXX purchased by myself and my son, XXXX XXXX. Each time I call, the system prompts me to make a payment even though the car has been paid off and there is no remaining balance. 

I was told that title would be released and I should receive it in a week. We have not received the title and need to sell the car asap. Within the last two days, I have been trying to reach someone in customer service, only to be passed from one person to another and finally disconnected. I would really appreciate your assistance in resolving this matter. The VIN number for the car is : XXXX KIA XXXX VIN : XXXX XXXX XXXX
Product: Debt collection

I owed {$150.00} to a school ( XXXX XXXX ) I attended. I paid the amount ( {$150.00} ) to my school. However, the debt was incorrectly given to a debt collection agency ( XXXX ). The debt was first reported as {$53.00} for the first 5 months of it being on my credit report, which was incorrect. Then, it was updated to {$150.00} for the last 2 months of it being on my credit report. I contacted my school to confirm this debt ( {$150.00} ) was paid in full directly to them, and that it was mistakenly handed off to a collection agency. The debt has been reflected as paid in full on my credit report. However, I have never interacted with the collections agency and it was paid prior to going to the collections agency. This incorrect submission on my credit report is in violation of the following FCRA statutes : no correct date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax dated XX/XX/22 and as of XX/XX/22 they have not responded.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Product: Credit card

Someone unknown to me applied for a JB Morgan Chase credit card 3 times. Those dates were XXXX and XX/XX/year>. I disputed those inquiries and applications and still 90+ days later my credit report has not been updated. I requested that the bureaus freeze my credit and social security number.
Product: Debt collection

I am writing to address a reported medical debt on my credit report, and I have encountered several issues in attempting to resolve it : Lack of Detailed Information : I have requested more information about the debt, such as an explanation of benefits or invoice details, but have not received a response.

Communication Challenges : I have been unable to reach a human representative through phone calls, and all contact attempts from CBHV have been automated or missed calls.

Address Discrepancy : The listed address on file does not align with my personal affairs and insurance information.

Payment Issue : I made a payment, but I did not receive confirmation or a reference number linking it to the reported debt.

I kindly request : Detailed debt information.

Direct communication with a human representative.

Verification and correction of address details.

Resolution and proper reporting of the debt to credit bureaus.

Your prompt attention to these matters is appreciated. 

Thank you,
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

I have been contacted many times by National Service Bureau ( I believe it is XXXX ) on XXXX XXXX XXXX. 

- They have called me many times stating that i owe a debt from a medical injury in 2015 that I paid at the hospital at the time of treatment. They refuse to look into this. 
- They have stated that they 've sent me many letters that i have n't received and when asked to send again they have n't sent - They have tried to pressure me into paying this by stating that my debt is incurring interest for every day that i do n't pay them - They have refused to provide more information about their company and if they 're legitimate - They have been unprofessional in their approach ( the person on the phone has used pressuring language and sighed and complained when i 've asked her to tell me more about who they are )
Product: Debt collection

I first want to say I have been a customer of XXXX for over 20 years. XXXX and XXXX have been advertising that XXXX is now part of XXXX. I received a flyer in the mail from XXXX advertising an XXXX  XXXX XXXX  plan. By choosing this plan would save us alot of money compared what I was paying XXXX. ( Mind you XXXX is now part of XXXX as they say. ) XXXX XXXX I called XXXX up. I explained I was a XXXX customer for over 20 years. They knew this. My wife 's phone was up for a new one. The upgrade was ok 'd by XXXX.I also asked for a XXXX. They sent me the new XXXX  XXXX for my wife and the XXXXMy wife went to XXXX and they put her original phone number in it. I thought nothing of it. ( Again XXXX is part of XXXX. ) XXXX XXXX bills me {$130.00} XXXX XXXX bills me {$120.00} XXXX XXXX bills me {$130.00} XXXX XXXX bills me {$100.00} XXXX XXXX bills me {$130.00} XXXX XXXX bills me {$130.00} XXXX I called up XXXX and told them I am getting billed from XXXX and them. I told them I need to cancel with them about the billing issue and I need refunds. They obilged with one. I was given a credit of {$130.00} for XXXX refused to give me the other months. I cancelled with them on XXXX so I get no further debits. 
As things starting to get out of control I found out that XXXX never migrated my acct with XXXX. I found out that there was a new number on my wife 's phone that we never knew about.XXXX  So the system kept thinking it was in use. 
My wife has gone back to the original store to try to clear this up. They could not do anything about it. My wife has talked to people from XXXX over and over again to get this sorted out. They would give her confirmation numbers. 
XXXX Conf number # XXXX XXXX # XXXX # XXXX XXXX # XXXX # XXXX Time and Time again my wife would explain this to the customer service. They would listen and listen. It fell on deaf ears. She tried to return the XXXX many times. They said they would send her an email with a return label. It never showed up. This has been extremely stressful to my wife and my self. 
XXXX did not care what I had to say about this. They acted like they cared and wanted to help us, but that was not true. I have never been through anything like this. 
XXXX We got our first collection letter from : AmSher Collection Services , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX XXXX The letter stated we could dispute this. I did and sent them a letter with documents. It had dates, amounts, what had happened. I never heard from them. So, I called. They told me XXXX reviewed this and did not agree. 
AmSher had now given our account to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX In fact as I was writing this the XXXX XXXX XXXX XXXX called. 
I and my wife have been trying to solve this for along time. No one wants to listen to us or care. We feel like we are 1 ant in a huge ant pile. This is not right as a consumer that a huge company and trample on people. They sent this to collections to ruin our credit. 
I do not owe them for a new phone. That was an upgrade totally understood by both parties. We went into collection on XX/XX/2022. Please help us.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Discover charged me for a payment protection plan that i did not sign up for. They are cancelling the plan for me but only refunding a portion of the charges. This happened in XX/XX/2011 with a lawsuit to follow. Just want to make sure it is known that they are still doing this.
Product: Checking or savings account

My Marcus account got locked after I tried to transfer money to a new savings account I made with XXXX. They told me to call back, which I did, in which they said they could not verify my identity and needs 3-7 business days for them to call me back. I have credit card and mortgage payments associated with this account and can not wait that long for them to do so.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ). Due to an inadequate customer service and unfair practices, which violate the Customer 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i appropriate redress for these violations.