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

It has come to my attention that there is information in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me and the consumer ; 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Checking or savings account

Its a very long story, but I will do my best to make it quick. I purchased a XXXX piece living room set from XXXX for {$730.00} on XX/XX/XXXX and returned it around XX/XX/XXXX. XXXX stated that they refunded the money on XX/XX/XXXX and my bank Sofi received the refund as a chargeback. I inadvertently disputed the item. It canceled out my refund somehow. The item went through the dispute period and the bank sent a letter around XX/XX/XXXX stating that the claim has been denied after waiting 90 days. They offered to reappeal the dispute to the merchant to attempt to get the funds back and informed me it would be another 90 days to receive the funds. I have gone back and forth with the merchant and the bank and neither is cooperating with me. I spoke with XXXX XX/XX/XXXX and they said again that they no longer have the funds and I need to make a demand with the bank to return my money. XXXX suggested that I go into a local branch to speak with a branch XXXX regarding this issue ; however the closest branch is XXXX hours from my home so this isn't feasible. I have contacted the BBB, FTC, and now your organization. This is the last stop before I file a lawsuit against the bank because they are holding my money and placing the blame on the merchant for it not being returned. I have been waiting for months to have the money refunded to me. Now the bank is telling me I have to wait another 90 days for another dispute for money that the merchant no longer has. I simply just want the bank to do the right thing and refund me my money. I feel very confused and violated as a bank customer. This matter has caused a great deal of anxiety as well as frustration and I am having to take out a tremendous amount of time out of my day on multiple occasions to try to resolve this issue. I have made about XXXX calls from XXXX to present to the merchant as well as the bank and have not received any resolution. I am really hoping that you all can help me or point me in the right direction of someone who can. Thank you for your time and attention to this issue.
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX The above company is request that I pay a debt that the original financial entity had submitted a 1099-C to the IRS, and the IRS has granted the 1099-C and now I have the 1099-C as income to submit when I pay my taxes. So the original financial entity received credit for this debt. and this debt collector is try to make money off a debt that has already been canceled and forgiven. The debt collector is also try to collect more than double the amount of the original debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX XXXX Bal. {$130.00} XXXX XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX Bal. {$1400.00} XXXX XXXX XXXX Bal. {$2000.00} XXXX XXXX XXXX Bal {$2900.00} XXXX XXXX XXXX Bal {$4400.00} Inquires XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC XXXX This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. 
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. 
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
Product: Credit reporting or other personal consumer reports

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, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/year>
Product: Bank account or service

I met all of the requirements for a {$200.00} bonus from PNC bank and now they are not honoring the offer. The offer stated that the bonus would be paid " within 60 days '' from the date that all of the requirements were met. I have an email from PNC dated XX/XX/XXXX stating that all of the requirements were met. I called them last week and spoke to a banker named XXXX at the branch where I opened my account at XXXX, XXXX, MO XXXX. He told me he needed to contact corporate office and would get back to me. When I spoke with him this morning, he stated that I would not be receiving my bonus at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : JPMCB CARD SERVICES XXXX JP MORGAN is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( JPMCB CARD SERVICES ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Therefore, I sent them a certified letter on XX/XX/2023 along with a copy of my drivers license and a copy of a utility bill to verify my identity. 

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

I provided them 10 calendar days to update my Payment history and or delete all late payments from the below account/s. They have not done so.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to 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.
Product: Money transfer, virtual currency, or money service

Can not transfer money from bank to XXXX account
Product: Checking or savings account

I applied for a new account on XX/XX/2019 for a personal checking account. I have not had a personal checking account within the past 90 days of account opening. Also I have not received a checking account bonus within the past 2 years. I spoke with SEVERAL Chase customer service representatives and they are making up rules that I am not eligible for a the {$200.00} checking account bonus even though I qualify per the terms and conditions. Chase has not corrected the problem and applied the bonus to the account as advertised. 

Bonus/Account Information : Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of account opening. 

You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Bonuses are considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ).
Product: Student loan

My student signature private loans through Navient were not deferred in XX/XX/2016 when I returned to college as a full time student without an income. I contacted Navient and was told that I would continue to receive late fees every month if I did not pay my loans. Navient told me there was no way to defer that particular loan or any options to reduce my payments. I have had perfect credit up until this recent issue.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a Bankruptcy reported inaccurately on my XXXX and Experian account. Both Experian and XXXX claimed that the information was verified with XXXX XXXX. However, I've suppressed my XXXX XXXX ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( Experian, XXXX ) managed to still get information from XXXX XXXX. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my Experian and XXXX account be removed.
Product: Checking or savings account

I am writing to address a matter of great concern regarding a recent dispute involving an ATM transaction that occurred on XXXX XXXX XXXX XXXX, at approximately XXXX XXXX. 

On the mentioned date, I attempted to withdraw {$500.00} from an ATM situated on the second floor of XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, no cash was dispensed from the ATM, yet the merchant proceeded to debit my checking account with the requested {$500.00}, along with an additional {$8.00} ATM withdrawal fee. 

Subsequently, on XXXX XXXX XXXX XXXX, I promptly submitted a claim disputing the transaction to Capital One ( my bank associated with the debit card used at the ATM ), providing all relevant details and documentation ( Claim Number : XXXX ). On XX/XX/XXXX, Capital One temporarily credited my checking account with {$500.00}, plus the {$8.00} fee, amounting to a total of {$500.00}. 

Regrettably, on XX/XX/XXXX, I received an email from Capital One denying my claim, citing reasons that, upon thorough examination, I find to be inaccurate. The denial was based on the assertion that their review of ATM systems and information provided by the merchant deemed the transaction valid. However, there is evidence, including video coverage from the ATM and statements from the security team at XXXX, as the resort as cameras everywhere, and proving that the {$500.00} never exited the ATM Concerned by this discrepancy, I contacted Capital One on XX/XX/XXXX, seeking clarification on the persisting {$500.00} transaction in my checking account. During this conversation, the Capital One representative informed me that the merchant of the ATM had confirmed the success of the transactiona statement I find to be fraudulent and untrue. Despite my request to resubmit the dispute claim, the representative declined to do so. 

To my dismay, as of XX/XX/XXXX, Capital One has permanently restricted my checking account. I am deeply troubled by the implications of both the ATM merchant and Capital One potentially engaging in fraudulent activities. Therefore, I am formally demanding the immediate resolution of this matter and the return of the {$500.00} to my checking account
Product: Debt collection

I have 2 Jefferson Capitol Systems on my credit report that is not mine
Product: Student loan

Hello- Nelnet is sending me an email invoice. However, I can not make a payment because since payments have resumed- Nelnet is not sending me a statement nor can I register my an account to make a payment. My balance is compounding and am afraid I will be in default if i can not make a payment before 90 days. I only know the last 4 numbers of this account ( XXXX ) because the online email does not show the actual full account number. 

Please advise- XXXX XXXX
Product: Debt collection

Keep getting numerious calls that call either early mornings or late past XXXXXXXX XXXX & letters in the mail with this agency. They have yet to provide proper documentation for proof of agreement with my signature or contractual agreement for CREDIT COLLECTION SERVICE.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, XXXX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. 

The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. XXXX used Checkr to conduct a background check on my driving record, in which they found a violation stating I was speeding thirty-one miles over the speed limit. I was able to prove to the courts that the infraction was not mine, as I was living in a different state at the time. The courts dismissed it and corrected the record with the DMV. Checkr updated XXXX of these corrections on XX/XX/XXXX. XXXX continued allowing me to be a driver because the speeding ticket was not mine. 

However, XXXX conducted a new background check in XXXX, and Checkr is now using outdated information, preventing me from working with XXXX due to the speeding ticket that was dismissed and is no longer on my driving record.
Product: Debt collection

i received 2 letters from TRS recovery services XX/XX/XXXX. both were charges from XXXX, 1 FOR {$38.00} on XX/XX/XXXX and 1 for XXXX on XX/XX/XXXX. The reason was " stop payment '' they said my XXXX was returned by my bank. I never made an XXXX for these. When i saw the charges, i searched my orders on the XXXX app, and couldn't find one near that date for that amount. XXXX couldn't either. so, my bank issued a refund for both. XXXX says this has " still '' not been resolved '' This WAS the first time they contacted me. they wrote since it was unpaid, it is now in the nationwide database ( what's that mean? ) of their affiliate, Telecheck, they wrote that until this matter is resolved, Telecheck may not approve your checks or the opening of a new checking account at over 300,000 financial institutions that use Telecheck 's check acceptance and new account screening services nationally. and then that if I don't dispute it, pay them. I checked again, there are no orders for those dates matching this " DEBT ''. i sent a dispute letter, certified return receipt requested, and they signed for it on XX/XX/XXXX. CFPB said they can't make it impossible to cash checks etc. Lying about the consequences of not paying is considered debt collector harassment, according to the XXXX XXXX. And I'm judgement proof too ( Public benefits ). My XXXX  meds have stopped working because of this. I forgot to inform them that they were not in my orders, XXXX couldn't find them, and that I'm judgement proof. And I really want to add " so, good luck! '' that's not profane. I want this to stop, it's affecting my health. And since I'm XXXX, it will be hard to get a ride to the Post office to send it certified return receipt requested. I will do this as soon as i can. And I live below the Federal poverty line, so even paying for a ride, and 2 certified letters just adds something to my financial hardship. please do something about this for me. I hope that the fact that they harassed me will invalidate this debt. Reference numbers XXXX and XXXX this was a checking account, not a credit card. I have since removed this account from my digital wallet on my XXXX account. i have no idea why XXXX sent this to collect, since they flagged these transactions as suspicious and couldn't find them in my orders.
Product: Debt collection

I do n't know where this XXXX bill came from.! I 'm trying to fix my credit!!