23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX , XXXX with the address of XXXX XXXX XXXX Suite XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX XXXX credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.
Product: Credit card or prepaid card

There were multiple fraudulent charges on my Capital One credit card on XX/XX/XXXX and XX/XX/2019. Capital One reimbursed me for all but one. It was a duplicate charge for {$460.00} on XX/XX/XXXX. I disputed the charge with Capital One and it was denied. I also contacted XXXX  and they referred me to Capital One. Additionally, I submitted a letter to Capital One on XX/XX/2019 detailing their error. 

Documentation provided by XXXX  shows that products were picked up in XXXX XXXX, XXXX and XXXX, NY. I live in New Jersey in the vicinity of 3 XXXX stores. Why would I travel to New York to purchase and pick up products? This was clearly identity theft.
Product: Checking or savings account

On XX/XX/year>, XXXX unauthorized ACH debits totaling {$20000.00} were processed from my companys XXXXXXXX XXXX account. These transactions were not authorized by me or anyone associated with XXXX XXXX XXXX XXXX. Despite promptly reporting these fraudulent transactions to XXXX on XX/XX/year>, no resolution has been provided, and XXXX has failed to comply with its obligations under consumer protection laws. 

Details of the Unauthorized Transactions : XXXX. Date : XX/XX/year> Amount : {$490.00} Description : ORIG CO NAME : XXXX XXXXXXXX XXXX XXXX Origin ID : XXXX XXXX. Date : XX/XX/year> Amount : {$20000.00} Description : ORIG CO NAME : Carvana, LLC XXXX XXXX Origin ID : XXXX Banks Failure to Address the Fraud : XXXXXXXX XXXX has failed to reverse the unauthorized debits or issue a provisional credit as required under Regulation E, despite immediate notification. 
XXXX promised to provide a fraud claim form for submission, but it has not been delivered. 
The option to dispute these ACH debits directly through XXXX  online banking system is unavailable, preventing me from using the advertised dispute process. 
Secure messages sent to XXXX have gone unanswered, and attempts to escalate the matter through customer service have been met with delays and unhelpful responses. 
Impact on My Business : These unauthorized transactions have caused significant financial harm to my business. The failure to reverse the debits or issue provisional credit has disrupted cash flow, jeopardized operations, and created unnecessary stress.
Product: Credit card

My chase Morgan Prime Visa was declined at the moving truck company. Chase Morgan banker says it's over the limit. A {$1200.00} charge was made to my card by movinghelp.com. They also made a charge for {$130.00}. The {$130.00} was correct. The {$1200.00} incorrect. 

I stood in the rain outside the moving truck company, to make a clear communications to Chase Morgan bank employees and other financial institutions. Chase Morgan employee refused to temporarily raise my credit limit until they were paid for the documented closure and refund already made by XXXX  Chase Morgan bankers were unwilling to credit my account or help in anyway. Thus, I was unable to get my moving truck to Florida. So, I sit in a hotel for two additional nights. My XXXX, Ohio moving team, paid for the {$130.00} by XXXX, rescheduled my appointment to help. 

Based upon my legal and business experience, Chase Morgan bankers are committing a crime of aiding and betting the erroneous actions of those scamsters and embezzling. The card owning victims suffer much pain and suffering due to the culprits actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

I received an email from XXXX Data Breach Settlement Additional Pro Rata Payment to click to redeem a code for {$23.00} credit card processed through www.MyPrepaidCenter.com. However, the captcha does not work after entering the code. A puzzle is provided to click and drag to the empty space to complete the puzzle. The captcha does not work. I have tried reporting the problem. I have tried different browsers and different computers to no avail. I found many complaints about MyPrepaidCenter and I believe they are getting all the codes and processing the claim for themselves without giving the funds to the intended party. Please ask for additional information so I can forward the email to you. More than likely everybody getting an email from XXXX Data Breach Settlement Additional Pro Rata Payment is being affected and collectively will amount a huge profit for MyPrepaidCenter for retaining funds for themselves. Thank you.
Product: Debt collection

Received collection letter for parking violation from XXXX XXXX XXXX. Never incurred this debt or had notice prior to receiving this mail. I called their number and refused to give them any personal information which they required to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or the customer service representative.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016 XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and wanting to use my XXXX loan to purchase a home so I ca n't believe how this is happening right now of all times. Is there anything you can do to help me? I really do n't know how these payments became past due.
Product: Student loan

I need these periods covered and I have reached out to Mohela multiple times about them and they told me they were looking into it : Verified employment gaps include XXXX XXXX verified arc XXXX XXXX XXXX XXXX  ; they responded to another complaint on this XXXX XXXX XXXXXXXX= verified XXXX
Product: Credit reporting

SUBMITTED PROOF THAT THE XXXX XXXX ACCOUNT APPEARING ON MY CREDIT REPORT IS NOT MINE AND MUST BE REMOVED.
Product: Debt collection

I checked the box that said " Debt was paid ''. I did not see an option for " Debt was already forgiven by Creditor ''. 

The debt was incurred on XX/XX/XXXX for a XXXX  visit. When the statement came dated XX/XX/XXXX, we ( my son, XXXX XXXX and I ) asked for a charity application from XXXX XXXX. They mailed the application. We filled it out and sent it to them on XX/XX/XXXX ( attached ). On XX/XX/XXXX, XXXX mailed a letter saying that the approved discount is 100 % ; the total balance remaining is {$0.00} and that the approval date of the forgiveness is XX/XX/XXXX and the expiration of the approval is XX/XX/XXXX ( forgiveness letter attached ). 

After the above forgiveness letter, on XX/XX/XXXX, XXXX sent a letter saying that they need three most recent paycheck stubs showing total earnings ( before taxes ) and proof of any income received in the household ( retirement, social security, child support, etc. ) and gave us 30 days to respond. Because I was visiting my grandchildren out of state, I did not see that letter. I received another letter from XXXX dated XX/XX/XXXX that " Applicant failed to provide requested documentation '' and denied our request that was already approved by them. I sent a response to them on XX/XX/XXXX showing the last three pension checks that I received from the City of XXXX and letting them know that Social Security income is a direct deposit and that they do not send any " pay stubs ''. I provided them bank statements showing the Social Security direct deposits. They never responded to my letter dated XX/XX/XXXX. 

Instead, I started receiving communications from Frost-Arnett ( a collection agency ) that I owe the debt of {$460.00} ( Collection notices from Frost-Arnett are attached ) XXXX On XX/XX/XXXX and on XX/XX/XXXX, my son and I called the collection agency and provided them the XXXX forgiveness letter that showed that the " Total Remaining Balance '' is XXXX. They said that their interpretation of that letter is that any services provided by XXXX from XX/XX/XXXX to XX/XX/XXXX are forgiven and that the debt incurred in XXXX is not part of that forgiveness. 

The XXXX forgiveness letter dated XX/XX/XXXX, was in response to my financial assistance application and that I am still owed this debt. I disagree. The debt was forgiven by the Creditor and because I was late in responding to their request to send additional documentation after they gave the forgiveness letter, XXXX  is now trying to take back their forgiveness and turned over the debt to a collection agency. 

Please help. I am XXXX XXXX XXXX and my son is better acquainted with this matter and I give you permission to talk to my son, XXXX XXXX ( XXXX ) if you need any further clarification. Thank you. 

XXXX XXXX
Product: Debt collection

XX/XX/XXXX, I saw a charge of {$260.00} from Midland Credit Management. I called Midland Credit Management and the person on the phone said a personal check had been written to XXXXXXXX XXXX on XX/XX/XXXX to purchase a XXXXXXXX XXXX  that was used for 6 years when payment on the card stopped. Previous balance on the XXXXXXXX XXXX statement is {$87.00}. The original account number from XXXXXXXX XXXX is XXXX. Date of charge off was XX/XX/XXXX. Current Servicer is Midland Credit Manageent , Inc. Date purchased XX/XX/XXXX. The letter from XXXXXXXX XXXX is addressed at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have never had an account with XXXXXXXX XXXX and I never had a XXXX XXXX. This a fraud and identify theft. Thank you for our attention to this matter.
Product: Credit reporting or other personal consumer reports

I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific issues, including an account with XXXXXXXX XXXX XXXXhat inaccurately reported late payments. According to 15 U.S.C. 1666 and related regulations, this account should reflect " paid as agreed/never late, '' as the current reporting is incorrect. 

Additionally, I pointed out multiple unauthorized hard inquiries on my credit report, including those from XXXX, XXXX, XXXX, XXXX, and C F. Under 15 U.S.C. 1681b ( c ) ( 3 ), I requested that these unauthorized inquiries be deleted from my report. 

I also disputed inaccuracies in my personal information, specifically incorrect addresses that need to be corrected to ensure my credit report is accurate and up-to-date. 

I reminded Equifax of their legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputes and correct any inaccuracies within XXXX days. I referenced case law, such as XXXX XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX, to emphasize that Equifax must conduct a thorough investigation and not rely solely on automated checks. 

I made it clear that failure to address these inaccuracies promptly could expose Equifax to liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance with the FCRA. I expect a detailed written confirmation of their findings, including a description of the procedures used during the investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

If these matters are not resolved within the legally mandated timeframe, I reserved the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or pursue legal remedies. My request for immediate attention to this matter is non-negotiable, and I will not tolerate any delays or negligence.
Product: Student loan

I was unaware that my student loans were brought out of forebearance. I was made aware that student loan payment pause or student loan forbearance that was implemented under the Biden Administration had been lifted by ALL of my student loans being declared 90 days late at the same time!

This tanked my credit by XXXX points! It has ruined my ability to resign my lease for my housing or find new housing. It has ruined my ability to obtain auto financing! It will take months... maybe even years to get my credit back to acceptable levels so that I can function within society and not be denied. 

No warning. No calls. No emails. Nothing! 

Just 90 days late on EVERYTHING!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

On XXXX XXXX I sent out a letter after reviewing my credit score with Transunion that I saw some incorrect information on my account. Once again I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts which Ive listed below. I also sent out a letter on XX/XX/2023 informing them that its been 30 days and I havent received contact from them. Ive received my credit report date XX/XX/2023 from the explaining my credit report from their view. However there are still some discrepancies for accounts ( XXXX XXXX XXXX XXXX : # XXXX Unverified Account ) ( XXXX XXXX XXXX Account Number : # XXXX Unverified Account ) & ( XXXX XXXX Account Number : # XXXX, XXXX Unverified Account ). 

Ive broken each account down that they have listed as accurate thats inaccurate. 

XXXX XXXX Account XXXX : # XXXX Unverified Account : This account is reporting a high balance of {$710.00} even though the balance is reporting {$0.00}. This account also shows that it was purchased/sold off by another lender XXXX XXXX XXXX XXXX This is violating tax code 15 USC 1681 and needs to be deleted immediately XXXX XXXX XXXX Account Number : # XXXX Unverified Account : As you can see on the credit report the original creditor was XXXX  XXXX. Not XXXX XXXX XXXX. This a Collection/Charge off, it can not report as a late payment. It was once again sold to XXXX XXXX XXXX, Ive requested that Transuion send me a method of verification with my wet signature from this company once again. 

XXXX XXXX Account XXXX : # XXXX, XXXX Unverified Account : This account as well has been charged off. Its reporting a high balance of {$2200.00} with a balance of {$1700.00} & a past due balance of $ XXXXThis is an inaccurate account that is furnishing on my credit report. This particular account has be filed as cancelled debt and the company has filed it on their income taxes but theyre still reporting it as debt.This company never sent me an 1099C form which Ive requested by mail. This is a violation of 15 USC 1681EB. This account needs to be deleted immediately.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act once again. Im also requesting that these inaccurate accounts be deleted immediately.
Product: Credit card

HAVE XXXX CREDIT CARD WITH WELLS FARGO SENT THEM NUMURIOUS FINANCIAL INSTRUMENTS,1099C AND 1099A TO SET THE CARDS OFF, THEY KEPT THE FINANCIAL INSTRUMENTS AND KEPT CALLING EVERYDAY FOR PAYMENT CEO NEVER SET THE ACCOUNT OFF REQUESTED FOR THE FINANCIAL INSTRUMENTS BACK THEY NEVER SENT THEM THEY CALL EVERYDAY TELLING ME IM IN DEFAULT.THEY CLOSED MY CARDS DOWN AND CONSTANTLY SENDING LETTERS FOR PAYMENT, THEY HAVE NUMURIOUS OF FINANCIAL INSTRUMENTS AND WILL NOT SET OFF THE ACCOUNT. 

# XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS Name : XXXX XXXX XXXXXXXX Number : XXXX Name : XXXX  Number : XXXX
Product: Checking or savings account

I receive a monthly deposit from XXXX XXXX XXXX XXXX deposited on the XXXX or by the XXXX of every month. US Bank admits to receiving my ach deposit from opm and hold the funds and deposit it on a later date after the XXXX. The bank also describes the deposit as a ( federal benefit ) not the original names and XXXX number. Altering the deposit and misrepresenting the owner of the funds they high XXXX my deposits for a period of up to 4 days and do not make it available to me BY THE FIRST of the month. I do not agree to share nor invest my money to earn interest while in their possession. Clearly they receive it 3 days in advance to make the deposit on or by the XXXX and they do not release the funds as printed on the check ach/electronic deposit.
Product: Debt collection

My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX 
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. 

Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX  Department of adult protective services ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have never had any business with this company. I have never received any collection notice in the mail from this company LVNV Funding LLC listed as ( Original Creditor ). I have never received any phone calls or ever spoken to anyone from this company regarding this account.
Product: Checking or savings account

I signed up for a free trial for XXXX XXXX cream which claimed that for {$4.00} a sample of their product was to be delivered to my house. 

This scamful, deceitful company sent 1 bottle of their supposedly sample cream and charged my account at 4 different times ; twice for {$53.00}, and twice for {$88.00}. 

Not only is the company indifferent to the fact, but my calls get dropped by their " customer service '' agents. Bank of America claims that due to me receiving a small sample of the cream that was supposed to be {$4.00}, that I'm held liable for the charges incurred. 

As I do research for the company that is running this deceitful scam, the amount of reviews from people having the same issue as I do is surprisingly high. 

My account is now overdrawn for {$230.00} since the charges where put back in my checking sccount due to the claim being closed and will most likely being incurring another {$36.00} for their overdrawn fees. This is very overwhelming. 

Bank of America isn't doing anything at all to help resolve this and they clearly know the issue at hand. I just don't know what to do other than bring this injustice to the law.
Product: Credit reporting

Equifax believes I am dead. About 10 years ago I started the onerous process of trying to get their misinformation corrected. I was not successful. I 've just been turned down for a loan because the lender uses Equifax, exclusively. I would like to see this problem corrected. The other XXXX credit reporting agencies give me an A+ rating.